Abortion of middle-aged people: from morning till night, scrimp and save, and dare not get sick. ......

Not long ago, I recorded the songs of Beijing, Chongqing, Guangzhou and Nanjing. The songs of middle-aged people in Beijing made everyone sigh: It's really difficult. The fashion in Chongqing and Guangzhou revolves around eating a word, from morning till night; The tone of Nanjing now is all kinds of learning; The popular tune in Beijing is to show the hardship and bitterness of a middle-aged person, which is simply the extreme operation of migrant workers: commuting at least 50 kilometers every day, from Shunyi District to Haidian District, feeling anxious and busy. On days when you don't have to travel, you have to go to the supermarket to buy food after work, and you have to study hard until late at night before you can be admitted to graduate school. In addition to studying, children will be sent to early education classes. If you catch up with a business trip, you can only go for work if you are nervous about reviewing. Unexpectedly, such an examination found that nucleic acid was positive. In this way, we can only give up the hard-won postgraduate entrance examination.

According to the survey of CCTV financial channel "Good Life in China", the report found that middle-aged people aged 36-45 were the hardest. They are in the struggle period of their lives, working hard for promotion and salary increase, and making a big screen for the good life of their families. As for leisure time, they are the least. In this era of great pressure, middle-aged people are under the pressure of mortgage, car loan and sub-loan, and live a life that they dare not get sick and take time off.

While struggling, they also hope to bring some extra income to their families through "after-sleep income". China Asset Management Association issued the National Public Offering of Fund Investor Survey Report. In the past three years, investment was mainly made by middle-aged people aged 30-45, accounting for 42. 1%. After 90, investors followed closely, and their investment enthusiasm was high, reaching 34.2%; Investors over the age of 45 accounted for 23.7%.

Although investment can bring certain benefits, it is also very important for many middle-aged people to have certain protection. According to the survey of Portrait of Middle-aged Men with Insurance, 2.57 million middle-aged men have certain plans for personal and family security. Especially men aged 40 -49 and 50 -59 have bought medical insurance and life insurance, and the older they are, the more people buy them. In the interview, we can see that as the interviewees grow older, they need a stable guarantee.

If there is a product that can not only provide protection for life, but also get a certain investment income, then it will be the best of both worlds. Many people will think of linked insurance. Today, let's talk about those things about investment-linked insurance:

1. What is linked insurance?

2. Who is suitable for buying?

3. What are the insurance skills?

4. How to choose a suitable investment-linked insurance?

1. What is linked insurance?

Investment-linked insurance is essentially variable life insurance, which is a whole life insurance product. It is characterized by death insurance and its variable cash value. It has both security and investment functions. Investment-linked insurance is mainly aimed at the insured's disability, death, survival insurance payment and other insurance liabilities. In case of accidental death or other diseases agreed in the contract, and some of them are exempt from insurance premiums and major diseases.

In addition, in terms of investment, there are several accounts, including guaranteed income account, fund account and development account. Each account has a different income combination, corresponding to different investment risks. It is worth noting that the investment account does not necessarily have a return on investment, nor can it guarantee that the principal will not be affected. All investment gains and losses shall be borne by the insured.

2. What are the specific functions of investment-linked insurance?

Investment-linked insurance divides the premium of the insured into two parts, one is protection and the other is investment, which are independent of each other.

1, guarantee function

The scope and degree of investment-linked insurance protection vary with specific products. In addition to the above, some types of insurance can provide protection against death, accident and total disability, and other additional risks can be selected. It is worth noting that if the insurable option is selected, you can insure more within the allowable range after the policy takes effect, and you don't need a medical examination; Except that you can choose the insurable option.

2. Investment function

Investment-linked insurance cannot have both insurance and investment functions. However, due to the uncertain return, there are uncertainties and risks in the future investment return. Investment is not just looking for someone to invest, but looking for investment experts from insurance companies to operate. Because the fixed interest rate of the policy is cancelled, the investment strategy is relatively positive. Generally speaking, we will invest in government bonds, corporate bonds, funds and other channels. Generally speaking, the investment income needs to be deducted from the management fee, and the rest belongs to the customer. If the return on investment is good, the investment will get a higher return accordingly; If the return on investment is not ideal, it requires the insured to bear the risk himself. Investment-linked insurance is very transparent in charge, and the insured can actually check the deduction and account status on the computer or mobile phone.

3. What kind of person is investment-linked insurance suitable for?

Through investment-linked insurance, the insured has the opportunity to obtain high returns, but high returns are also accompanied by certain investment risks and losses. Therefore, investment-linked insurance is more suitable for people whose economic level reaches a certain income stage, and they can invest some funds; In addition, these people have a certain judgment on the capital market, and they hope to pursue high returns, undertake high risks and have a rational investment concept. Simply put, investment-linked insurance is more suitable for people above the middle class who can withstand certain risk pressures.

Fourth, how to choose link insurance?

1, depending on investment ability

Investment-linked insurance mainly depends on the investment ability of insurance companies. The most important thing at this time is to refer to past investment performance. Want to refer to the past performance, you can look at the monthly account report published by the insurance company, and you can go to official website to inquire about the income of this linked insurance. In addition to comparing the past performance ability, you can also look at the investment-linked insurance analysis report issued by brokers. Generally speaking, we will give a comparison of various investment-linked insurance accounts.

2. See if the account is stable.

In addition to the investment account, it depends on whether the currency account can generate stable income, preferably the rate of return that has been growing positively in the past. In addition to looking at the currency account, we should also look at the risk account to examine its anti-risk ability and profitability to see if it can outperform the broader market. Simply put, if this investment-linked insurance can rank high among similar products, then overall, this account has strong profitability and can be considered.

5. What else should I pay attention to in investment-linked insurance?

When applying for investment-linked insurance, you should also pay attention to the following points:

First of all, investment-linked insurance has no fixed income, even if it is a currency account, the income is not guaranteed. Be sure to explain the possible losses.

In addition, because investment-linked insurance focuses more on investment and the protection category is relatively weak, we should pay attention to whether the protection meets our own needs in terms of accidents, medical care and other protection.

In addition, investment-linked insurance needs to pay a certain management fee. If it is only a short-term investment, it is necessary to consider whether the income can cover these expenses.

Finally, be sure to know your final demand for this money. Before buying, you should have a clear understanding of the redemption conditions, risk size, hesitation period, premium, etc. of the investment-linked insurance, and also know your risk tolerance, so as to choose the appropriate investment-linked insurance. In case it is found inappropriate after insurance, it is easy to generate risks brought by surrender.

Sixth, write it at the end.

When choosing investment-linked insurance, it is important to consider the risks arising when premiums are allocated to different accounts. At the same time, we should also pay attention to asset management fees, handling fees and policy management fees. Don't choose blindly, so as not to cause unnecessary losses. If you are still confused and don't know how to choose linked insurance, you can consult a professional excellent insurance broker. Because professional insurance brokers will make a comprehensive evaluation and tailor the plan according to your problems and needs, Baibaojun has a professional and powerful insurance team to match the exclusive consultant that suits you best. Baidu searches for "Baibaojun" to provide you with more professional insurance.