理财保险 20100301452 刘颖诗.pptVIP

Universal Insurance Variable sum insured, premium and fee period Besides initial and management costs, one part for protection, another part for investment ( protection + risk) Sole investment account High transparency Insurance with dividend The policyholder(投保人)can get the dividend share basic on the business result of the insurance company every year. (not sure) Mainly protection, dividend supplementary (Protection+dividend) Low protection interest rate Unit-linked Insurance equity-linked or variable life Insurance protection Value of the policy LINK TO a individual investment unit (protection + investment) Variable death benefit and surrender value(退还金额) Financial insurance Financial insurance Investment choice Background Investment Premiums Returns Outline Suggestion Financial insurance Background Financial insurance Stock Fund Insurance Bond Investment Financial insurance Fund ◆The investors have little chance to know about the fund manager’s strategy ◆Limited choices on the type of funds ◆Can be easily effected by the economic cycles Financial insurance stocks ◆Instable policy ◆ Lack the basic knowledge ◆ Lack of transparency in the information provided, such as financial statement and management situation Financial insurance Financial insurance Financial insurance Investment choice Investment Choice Top insurance companies of China Mainland China Life Ping An China China Pacific Insurance Peoples Insurance Company of China (PICC) AIA Quality Of Service Levels Better Market Reputation A good insurance agent Financial insurance Investment Choice Financial insurance Types Universal Insurance(万能险) Insurance with dividend(分红保险) Unit-linked Insurance(投连保险) Suitable people: Not in the high-level income Avoid risk Free option Suitable people: Middle-income Low risk conservative investors Suitable people: Higher income High risk, high benefit Financial Literacy Returns fro