What is the function of universal insurance?

Answer the question first. Universal insurance has two functions: one is to provide life insurance protection; The second is to bring wealth management benefits. You can read this article first and learn about universal insurance: financial management with universal insurance, stable and safe income? Universal insurance from the beginning!

Let's talk about these two functions of universal insurance ~

1. Protection function of universal insurance

Universal insurance has a protection account, which can provide life insurance protection for the insured. Once the insured is in danger during the insurance period, the insurance company will pay the corresponding death insurance money (usually a certain percentage of the account value) according to the contract.

2. Financial function of universal insurance

In addition to the protection account, universal insurance also has an investment account, which can realize its financial function. The better the operation of the funds in the investment account, the higher the return to the insured. However, it should be noted that the funds in the universal insurance investment account are unpredictable, so the specific benefits it can bring to the insured are also uncertain. For more details, please see this article: How much can you earn by buying universal insurance? Don't be happy after being sold ...

Finally, what Senior Sister wants to say is that no matter what insurance you buy, everyone should be cautious and shop around before starting. Here is a list of the top ten universal insurances worth buying in the market. You can refer to it: the top ten universal insurances worth buying!

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