Insurance common sense

   What is the insurance?

    Insurance can be treated as mankind an invention the greatest a kind of system, it develops mankind mutual aid a cooperation well of spirit.Positive such as beard proper Doctor say, insurance is living for die hour do of preparation;It is also the performance of a kind of benevolence and sense of responsibility.

    The householder bought insurance, can at the family suffer mishap of time, be free from the drift from place to place,homeless and miserable to live life of refugee of bitterness, and maintain basic self-respect of human nature;The mother bought insurance, can trust while have no cares at home circumstance of care family.

    For the society, nation, the insurance has function of stabilize the economy more;the economy is flourishing of nation, widespread but speech, all have good insurance system.

   Reveal in fact, the insurance was the concrete performance of[with]"love", is the incarnation of[with]"responsibility".

    What is the use that guarantees insurance life long?

Life long the guarantee insurance provides a for life life guarantee for the customer, in the meantime and certainly save function.It is applicable to the following a few circumstances more:

    1) the home life pressure heavier customer:such as just became a house the customer who establish a career, need customer who bring up the sons and daughters and education sons and daughters;

    2) plan the customer whom the premium did a basic life of a life time empress family to guarantee;

    3) the plan hands over the customer of the accept death tax with the premium:The death tax has already practice abroad for a long time, Chinese mainland will also in open to advertise for death tax soon, premium in the meantime is be not included in inheritance, so the premium can used for handing over accept death tax;

    4) do to retire living expenses by premium:life long insurance and have already saved function, the customer can think at the oneself fitting period will life long the insurance annul contract, getting to return to insurance policy to save amount of money the backlog, Be retire the living expenses or other purposes.

    What function does the additional insurance have?

    Compare with lord nearly, additional insurance can't insure alone, can depend on a lord insurance, but it have lord nearly can't compare to of advantage:

    1,the additional insurance schedule to the business fee share less, make the insurance fee is cheap.

    2,own more delicacy a more special and more extensive guarantee a demand, make additional insurance guarantee the contents enrich.

    3,additional the insurance is each big insurance company display profession,creativity,service of basic point of departure.

    If you are just plan to buy insurance, never forget at the time of purchasing the lord insurance, additional and several practical dditional insurance. If you purchased before of the insurance have no additional, you also had right to add to add now, making your guarantee more overall.

    Insurance fee with protect a sum to have what differentiation?

    The insurance fee means policy holder according to the engagement of the insurance contract, pay for acquiring the insurance guarantee to the expenses of the insurance company, is the amount of money of each item fee rate watch.Protect the sum means in order to undertake indemnification to pay the tallest quota of[with] the premium responsibility perhaps, the insurance company usually is the insured amount that the insurance policy states clearly in writing up.Protect the door pays a certain insurance fee but acquires to certainly protect a sum.

    What BE"the insurance policy cash value"?

    The insurance policy cash value call"annul contract to send back a gold" again, meaning the life insurance contract while taking place to annul contract or returning insurance policy can return to return of amount of money.In the long-term life insurance contract, in order to implement a contractual responsibility, the insurance company usually needs to lift responsibility reserve of save the certain quantity, being policy holder in the insurance term of validity inside because of hence request to annul contract or return insurance policy, the company is by rule, subtracting the responsibility reserve that lift to save to annul contract surplus amount after deduct to send back to the policy holder, this part of amount of moneys is to annul contract a gold, that is return insurance policy the cash value have by insurance policy.The insurance policy cash value takes charge of the section approval confirmation through insurance.

    What is give bonus insurance?

    Answer:So-called give bonus insurance, be point insurance company after each fiscal year be over, will up one fiscal year that type of dispensability surplus that give bonus insurance, press certain comparison,with the cash bonus or increase in value the way of the bonus, assign to the customer's a kind of insurance.

    Is the bonus from since then?

Answer:The bonus come from die a bad benefit of bad benefit,benefit produce of dispensability surplus.

    Die a bad benefit, mean the insurance company actual risk occurrence rate low in the risk occurrence rate anticipate, namely actual the death toll ratio schedule to the surplus produce by the death toll in a little moment;

    The benefit differs a benefit, meaning the actual investment income of insurance company is high in anticipate of investment income the surplus produce;

    Because the insurance company wants to consider three factor while collate and stipulate fee rate:Schedule to death rate,schedule to invest the repay rate, but the fee rate collate and stipulate as soon as, can't change to move at will.But the guarantee term of the endowment policy usually long several decades, in this endless time, the circumstance of the actual occurrence may expect together of the circumstance have difference.Once the actual circumstance good to expectation circumstance, will appear above a bad benefit, the insurance company is part of this bad the profits of[with] the benefit creation according to certain comparison allotment give customer, this be the source of the bonus.

    Bonus does would ever allotment give customer?

    Answer:Will rule according to protecting inspect , insurance company should that year degree the big part that give bonus the insurance surplus assign to the customer.In the concrete allotment process, because the dissimilarity gives bonus insurance policy and will have a dissimilarity to the contribution that dies a bad benefit,benefit to differ a benefit at the different age, insurance company will according to contribute the principle decision to assign amount of money.In the meantime, the insurance company will also send to give bonus the accomplishment report toward each customer, explain that type of give bonus insurance of the investment income condition,that year degree surplus and dispensability surplus,that customer deserve the bonus amount of money and its calculation foundation and the calculation method, attaining well is transparent to the customer.