What endowment insurance is better to buy?

There are many kinds of endowment insurance, all of which are supplements to social security. Choosing the one that suits you is a good commercial endowment insurance. The following are three main types of commercial endowment insurance at present. You can choose the one that suits you according to your personal needs and the right person. Annuity insurance product information

I. Traditional endowment insurance

Traditional endowment insurance has the characteristics of low risk and low income. That is, the insured and the insurance company agree on the income, the agreed period, and the agreed collection method. , and sign the contract at the same time. Because it is a fixed income, the traditional endowment insurance is more suitable for conservative people, and the accumulation of wealth can be realized by purchasing endowment insurance.

Two. Dividend endowment insurance

Dividend-based endowment insurance divides the income into two parts: fixed income and dividend income on the basis of traditional endowment insurance. According to the regulations, an insurance company can give a part of its operating surplus to the insured through dividends. This makes the participating pension insurance both stable and uncertain. Dividend-sharing pension insurance is suitable for people with moderate risk preference, hoping to get some excess income and not take too much risk.

Third, investment-oriented endowment insurance.

Investment endowment insurance is more challenging. It links the account of the insured with different investment products, and there is no guarantee of income, and the risk is borne by itself. Investment endowment insurance has the characteristics of high risk and high return. Investment endowment insurance is more suitable for people who like challenges and try their best to change their bicycles into motorcycles. For conservative people, it is recommended not to try.

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