Hello everyone, I am both beautiful and intelligent, the embodiment of hero and chivalry, Mr. Lu.
I wanted to buy a wrench to tighten the screws, but was recommended a hammer. This kind of thing can be said to be common in the insurance industry.
The reason is that the insurance terms are too complicated. What customers buy mostly depends on the salesperson, so it is easy to be deceived by some salesmen with ulterior motives.
Take forced savings through insurance as an example. The customer himself wanted to force himself to save a sum of money, but the final result was that the interest was not received and the principal was lost. This kind of case is very common in life.
Of course, you cannot rely on insurance for such a bad thing. Insurance is just a tool, and different types of products solve different problems.
But the key to the problem is mismatching the tools. I bought a hammer to tighten the screws, but of course it didn't work.
Today’s article is to talk to you about what kind of insurance is most suitable to buy if you want to force savings.
1,
Why should we force savings?
As far as I know, in most cases, people spend too much money and cannot save money, so they want to force themselves to save money.
I checked online and found that there are many ways to force savings, such as odd deposits, lump sums, , bank fixed deposits, fixed fund investments, , etc., but few recommend using insurance to force savings.
Let me first analyze some of the mainstream methods:
① Bank time deposit: After paying your salary, take part of it and deposit it in a bank time deposit.
This method seems to be good, but I checked, time deposits can be withdrawn in advance, but the withdrawn part will pay interest according to the current interest rate.
, in the final analysis, it depends on the individual's self-control ability, because it is too easy to take it out.
② Fund fixed investment: regularly allocates a portion of funds for fund fixed investment every week or every month.
This is a very good way. If you are lucky, you can get good profits.
But this method has certain difficulties. Whether can choose a good fund , and whether can consistently insist on investing when the fund faces a long-term decline, these are all more testing.
Moreover, the fund can be redeemed at any time. It can only play a certain role in forced savings when is locked , but when being locked up, it is a test of one's mentality.
③ Open a special savings card: Separate from the salary card, open a new savings card, and transfer part of the money to this card as soon as the salary is paid. The method
, how should I put it, seems useless.
The above three methods are the three more mainstream methods that I have found. If you want to achieve forced savings through these three methods, in fact, you still need more self-control because there are still too few obstacles to withdrawing funds. .
But for people who need forced savings, what they lack most is self-control, so I don’t think the above three methods will be very effective.
But insurance is different. Insurance adds the factor of "other control" .
Friends who have bought insurance should know that if you surrender the policy during the payment period, you will often suffer losses. The earlier you surrender the policy, the more serious the loss will be.
This means that once the first payment is started, all subsequent payments must be completed, otherwise there will be a loss of money. I think this form of
can truly realize the "forced" saving of .
2,
Having said so much, what type of insurance is more suitable for forced savings?
The answer is increased lifetime .
Why? Let’s look at a case first:
A previous customer wanted to force savings. I made the following plan for her. The first 5 years were "payment period" , and the capital was paid back at the end of the 6th year. That is to say, the first 6 years were " "Compulsory savings period" , if you surrender the policy during this period, you will suffer losses.
Then starting from the 7th year is the "receipt period" . During the collection period, you can flexibly withdraw according to your needs at any time. You can surrender the policy at once and withdraw all the money, or you can withdraw part of it, and the remaining part is in it Continue to compound interest.
The picture above shows the benefits of the policy without claiming it. If you claim it outside during the claiming period, the benefits of the subsequent policy will also change accordingly.
In the above example, we can see three important periods during which incremental whole life is used for compulsory savings: payment period , compulsory savings period , and collection period .
Payment period: The payment period of incremental whole life generally includes 游/3/5/10/15/20 years. Based on this, you can choose your own saving years. You can choose 3 years or 5 years in the short term, and you can choose in the medium term. 10 years. You can choose 15 years or 20 years in the long term, depending on your plan for the funds.
Compulsory savings period: If you surrender the policy during this period, you will suffer losses, so you can force yourself to save. The mandatory savings period and the payment period are different . The minimum mandatory savings period for 3-year payment is 3 years, usually 5 or 6 years. Different products are different; the minimum mandatory savings period for 5-year payment is 5 years. years, usually 6 or 7 years; 10 years, the minimum mandatory savings period for is 7 years, usually 8 or 9 years...
Collection period: When the collection period comes, that is, the principal is all there, and A period of certain profit. During this period, you can flexibly withdraw part or all of it according to your personal needs. If you don't withdraw, you can continue to grow with compound interest.
During these three important periods, before we purchase an incremental whole life insurance policy, we can all be clear about it. There are no uncertain factors. This will also make it easier for us to plan our own mandatory savings plan.
The above are the advantages of using incremental whole life to force savings.
Of course, there is a disadvantage. If you need money urgently during payment, you will suffer a lot of losses if you choose to surrender the policy.
Therefore, you must be clear about your plan before purchasing insurance, and make sure to use forced savings to purchase insurance with money that will not be used during the period.
3,
product recommendations.
recommends three products. These three products represent three different compulsory savings needs . You can choose according to your own situation.
html A 130-year-old woman pays an annual premium of RMB 10,000 for 5 years. The benefits of the three products are as follows:
① Junkang Life Jinsheng Jinshi (Gold Edition)
Compared with the other two products, the advantages of Jinsheng Jinshi (Gold Edition) are has the fastest return on costs.
The payment period is 5 years, and you can receive the entire principal + a certain amount of interest in the 6th year. For those who want to get the money back as soon as possible, this product can be considered.
However, the later benefits of this product are relatively low and are not suitable for long-term savings.
② Hengqin Life Insurance Chuanshi No. 1 (Exclusive Edition)
Chuanshi No. 1 (Exclusive Edition) has low benefits in the first 10 years, but the subsequent benefits of are higher than those of the other two products .
If you are saving some spare money, do not consider taking it out too early and make a long-term plan. This product is more suitable.
③Hetai Life Insurance Inc.
Inc. has the best overall performance among these three products.
Although the return on investment is not as fast as that of Junkang, it is only one year late. The important thing is that this product has very high benefits in both the early stage and the later stage (the later stage interest is a little lower than Hengqin).
There is also a unique advantage. You can choose to pay monthly premiums , and you can start investing with a minimum of 200 yuan. This is a very useful feature for office workers, especially those who live on their own.
You can choose to take out insurance on the pay day. As soon as the monthly salary is paid, a premium will be deducted as compulsory savings. Think about it, this kind of savings may be what the earners need most.
Well, this article ends here.
The next article will talk about pension annuity insurance suitable for the elderly, so stay tuned!
I am Mr. Lu, a full-time insurance broker who is committed to family insurance planning and subsequent claims services. There are no tricks, only sincerity. If you have any insurance-related questions, you can leave a message below the article or send me a private message.
hope it can help you.
