How to buy an investment insurance policy? 8 questions that experts tell you must ask before purchasing

Eight questions you must ask before buying an investment insurance policy

Question 1. Why recommend this investment insurance policy to me? Which point is suitable for me?

Question 2. What is the cost of this investment insurance?

Question 3. Is this the full-term guarantee for "asset reimbursement"? How is it different from the investment-type insurance policy of the "Connected Monthly Interest Allocation Fund"?

Question 4. Why do you recommend only one to me? Can you recommend at least three to me and provide the order of purchase and tell me the reason for recommendation?

Question 5. Regardless of the connection between the policy, the number of funds, ETFs or the full committee account, please ask which funds you would recommend to me to link? Please ask why you recommend these tags?

Question 6. What taxes do I need to pay in the future for this investment insurance policy I bought?

Question 7. Should I buy the change (million-capacity) risk? Or is it better to change the annuity?

Question 8. You said many benefits of this insurance policy, please ask what shortcomings does it have for me and are I need to know?

At present, the channels for selling investment insurance policies can be used, in addition to the direct sales system of the insurance company, it also includes the channels for securities or bank wealth management business, or independent insurance and marketing agency companies. The only difference is that the type of warranty and marketing sold by these channels is "slightly different".

Taking the bank or brokerage channel as an example, the manager usually only sells one insurance policy of the same type at a time, and does not give the insurance provider more than two choices at the same time; but if he is an insurance agent, he will sell different insurance policies from different companies at the same time. Maybe readers will ask me, "Does my rights have different through different sales channels?" In fact, the insurance rights will not have any impact, because the goods sold are issued by the insurance company. The difference is only: the commissions for a certain channel (such as a bank, or its own sales team) may be slightly higher. Therefore, the professional or business staff who sell investment insurance policies are said to be the most important reason for the "company performance assessment" and a small number of people come from "insured friends who make money because of investment insurance policies" that they will take the initiative to ask business staff.

So, is the power from commission really that strong? The business system privately revealed that the commission of business members is almost 1 to 1.5 or twice the insurance management fee. Taking the insurance policy of a certain company's scattered size reduction as an example, the total insurance fee for the order management is 6%, while the commission rate for sales businessmen is 8%. Another insurance company only charges a one-year 2.16% insurance fee, and the commission rate for the operators is 5.1%. Numbers like

, although they don't look high. But don't forget that the minimum guaranteed fee for the general guaranteed fee starts at about 300,000 yuan (of course, there are also the minimum guaranteed fee of 100,000 yuan). Assuming that the insurance payment of a guaranteed customer is as high as one million yuan, then if a businessman sells a guarantee, he can get a commission income of 60,000 to 80,000 yuan. This does not include the company's additional professional performance assessment awards.

Question 8: The insurance policy is much better, but what are the shortcomings or risks that need attention?

"You said many benefits of this warranty. Please ask me what shortcomings or risks are there for me, and I need to know and pay attention to?" Businessmen usually don't say the bad side of recommendations. However, this is an important link for examining employees to think about whether they stand on the customer's stand-alone.

For example, asset rebate is not fixed. Assuming that the equipment has retired and needs this money every month, it is not suitable for this insurance policy at all. For example, many insurance policies with high annualized return may be "interest-protected", but may be completely "unguaranteed (that is, the interest will get the principal)" or even after being converted into Taiwan dollars, there will be a significant amount of compensation. For insurance companies who want to have stable income every month, it may be very unsuitable.

※This article is excerpted from the publication of "If you want to make money, you want to buy an investment insurance policy"