Quick return to overdraft protection dividend risk lagging behind inflation 10 products carefully selected

Rapid return "hen", collect the cash value of future earnings on insurance policies prematurely and protection will adversely affect the financial weekly reporter Zhu Changbin/text May 2011, the consumer price index to create a new high over the years, rose 5.5%. Although the bank deposit interest rates several times to improve, but still miss the CPI's footsteps. The money in the Bank, only watched the currency depreciation. Xiong Tao usually focus on family finance, apparently not ready to put money in the Bank. She recently saw the community banks in sales next to several financial-insurance products, bank manager told her, "This compared to several other insurance products for premium short lock time, will soon be able to see investment income, inflation so high against inflation situation very well. "Recommended reading insurance weekly: Storm safe involvement haixin shares owned pipe investigation storm disaster danger-don't forget to vote Wade was the protection of health is expected within months of funds granted 1 billion insurance product specification for more selling short China insurance regulatory Commission to be more variable annuity insurance into a bear market life-saving straw tendencies on the other side of risk capital investment balance? Deciphering the trader password grasp trends in the main fact is that this is not the case, rapid return of principal can give policyholders are well protected from inflation? China life insurance product development actuary tell Money Week reporter Chen Jin-song, "fast return means that policyholders can quickly get back to their capital, but the product itself does not protect against inflation. Inflation to relying on dividends or insurance insurance products and investment income to fight. "Sources of quick return to policyholders pay premiums, and collect the cash value of future benefits for insurance policies prematurely and guarantee functions will have a negative impact. Insured can lead to survive 3 months gold, rapid return "hen" "Bank staff recommended insurance product before most of them receive a long time, is also to receive money from the insurance company after five years at least, very much in the recent recommended products can quickly receive live gold. "Xiong Tao noted that changes in Bank outlets selling insurance products. Insurance products the guarantee period is relatively long, premiums for policyholders have certain "lockout period" If the early redemption will lose part of the premium. Traditional dividend coverage is "one to three years", but in order to meet policy holders want to quickly see the benefits of psychological, shrinking product life insurance company introduced recipients experience. Happy people Shou Xiangli endowment insurance (participating) survival gold payments once every two years, one year after the entry into force and provides policy basic insurance amount is able to get insurance policy 8% for the existence of gold. Survival gold returned more quickly by contrast China life insurance, endowment insurance, China life insurance product "Tong Xin lock endowment insurance (participating)" provides the insured in the policy the date 90 days to get your return the amount of insurance 3% survival of gold. And some of the old-age pension insurance is returning gold survival period down to the extreme, Taikang "happy life a life annuity insurance (participating)" show insurance interests, policyholders hesitated for survival first payment after the expiration. A small insurance company banking and Insurance Department official told reporters in Beijing, "channels of banks and insurance companies since the end of last year was a heavy blow, the insurance company to maintain the scale of premiums would like to a lot of ways, shortening some bonus return life is one of the risks. Although only returning for a moment, but it is very attractive to some customers. "Survival gold quick return to a certain extent to ensure that the customer's funds liquidity, but to the applicant, this is not necessarily a good thing. Overdraft in the future: the future payment of insurance premiums is reduced by the policy, basic insured amount is lowered life insurance life insurance Feng Yingying considered too eager fast return insurance product, is not able to do to maximize the benefits for policyholders: "Although some types of customers will find this product more attractive, but I'm not usually very recommended that they purchase. "She believes that the customer if necessary to ensure cash flow, there are many other financial products to choose from," I will explain them, but is soon to be attracted to this part of the cash, can choose a different financing tools. "The so-called wool from the sheep, quickly returned to the return of products survival gold have come from the premiums paid. China life insurance actuary tell Money Week reporter Chen Jin-song, "fast return means that policyholders can quickly get back to his capital. "But he felt that the insurance products protect against inflation was achieved through stability and better investment returns, not through the rapid return of principal. Another quick return will reduce the amount of funds available for investment of insurance companies, increases the difficulty of insurance companies ' profits, forcing the country to reduce the policy paying insurance premiums or reduce the basic amount of the future. Quick-return product push more might already not very mature insurance markets more to ignore nature of insurance products to safeguard. In response to this phenomenon following media Biological Aerated, regulators to limit fast return insurance product. China life insurance finance manager Zhang Jie told reporters, "we usually want to take a customer-oriented insurance products cover features, weakening insurance investment income as possible, because on the advantage benefits insurance products may not be too large. Quick-return insurance return of shorter duration, or more strict focus on the killing. ”