Now I will take the universal insurance of Ping An Insurance Company as an example to introduce it to you. Because there are many employees in Ping An, there is a lot of saliva, so I will give you a lesson.
Salespeople usually introduce Ping An Insurance Company's universal insurance in this way.
1, 6000 yuan per year, can be saved for life, but generally 10 years is ok, and you can enjoy life-long protection.
Deduct a small part of your 6000 yuan as the guarantee fee, and pay the rest to you in the form of cash value. Our interest rate is higher than that of the bank.
Suppose I am 20 years old, then your security will reach 654.38+0.5 million, including death and serious illness.
4. Cash value can be collected at any time. The money was originally yours, but you can only charge it twice a year for free, and the third time you charge a handling fee.
What I said above should be correct. I don't think there should be any differences. Even if there is a supplement, it is insignificant. I should say there is no mistake in principle.
Now expose the darkness of universal insurance.
First, what is the guarantee cost, what is the cash value, and why should we separate it from traditional insurance and introduce the concept of cash value?
Guarantee cost: the part of 6000 yuan that you use to buy insurance.
Cash value: 6000 yuan-guarantee fee, the rest.
Why should we separate from traditional insurance and introduce the concept of cash value? This is cheating.
For example: traditional insurance, for example, I gave the insurance company 5000 yuan to protect me from death, 654.38+ 10,000 yuan. Anyway, if I die normally during the insurance period, you will pay me 6,543,800 yuan. Even if there is a dispute, it is still a matter of procedure or terms.
For example, universal insurance, I pay the insurance company 6000 yuan to protect me from death, 65438+ 10 thousand yuan. Although my insurance cost is only 3,000 yuan, if I die, the insurance company will still only compensate me for 654.38 million yuan, and the cash value will not be refunded.
Traditional insurance, I pay 5000 yuan 10W for my death. I don't care how the insurance company operates. Anyway, if I die, you can give me 65,438+million, and you can't charge me any more.
Universal insurance, I pay 6000 yuan to protect 10W from death, saying that the insurance cost is only 3000 yuan, but if the operation effect of the insurance company is not good, he can deduct my insurance cost indefinitely, and even my annual premium of 6000 yuan is not enough for him to deduct my insurance cost (it is indeed possible). Of course, there is no such situation now, but it does not mean that it will not happen in the future. Once the time value is deducted, my policy may be terminated early.
Second, can the cash value be withdrawn at any time?
Yes, but it will affect your insurance coverage.
For example, the cash value in your policy is 6W yuan, and the insured amount is 10W yuan. Now you have to take out 5W (you can't take it all, because your protection fee will be deducted, and it will be deducted every day and there is no upper limit on the amount deducted. Once it is not deducted, your insurance will be invalid. So when you take out 5W, is your coverage still 10W? No, your coverage is only 5W. If you want to restore to 10W, you have to take out 5W to make it up again.
Third, is the interest on cash value high?
I don't know, on the one hand, there is no interest in the contract, it is a plan, not a contract; On the other hand, no matter how high the interest is, as long as you take it, it will affect the insured amount, which means that the interest generated here is for the insurance company and has nothing to do with you.
Fourth, is it better to buy insurance as young as possible?
Depends on where you say it.
For example: 20 years old, 6,000 yuan 10 year, insurance150,000.
From the perspective of static financial analysis, when I was 30 years old, I paid a cost of 6W. When I died at the age of 70 (which is acceptable to everyone), the insurance company paid me 1.5 million. I made a net profit of 9W.
From the perspective of dynamic financial analysis, when I was 30 years old, I paid a cost of 6W and accumulated interest (now I ignore interest). When I died at the age of 70, were you worth it? At the age of 70, the purchasing power of 1.5 million may not be as good as that of 30 years old ~ ~ ~ ~ Don't say that it is guaranteed, I will lose money.
This year is 20 1 1 year. If you have 2W yuan in your hand, it's not surprising. Now let you go back to 40 years, 197 1 year. Then you should choose 2W. Think about what this is.
This is the value of time. Judging from the CPI increase in China, we just lost money.
Of course, many people say that buying insurance means buying protection, yes, but do I have protection? You are a salesman, not a claim adjuster. You can't promise me to settle the claim, which means there is no guarantee.
At the same time, there is no guarantee if you don't explain all the disadvantages to your customers.
Finally, I have a question for all insurance salesmen. Suppose I am 20 years old and pay 6000 yuan in cash every year, 10 years. Your company's existing security costs and cash value interest rates are the basis, and the rise of national CPI is the basis. If I insure 15W, how old will I be when I die? In other words, at what age did I die and lose? Thank you. I already have the answer. The answer is very different. The bear was shocked.
Tell me the answer first and then reply to me.
According to the current bank deposit interest rate of 3.25%, it can offset the CPI increase (in fact, it is difficult to offset).
Pay at the age of 20, 6000 yuan per year, 15W, and your break-even period is 20 years.
Pay at the age of 30, 6000 yuan per year, 12W, and your balanced application period is 18.
Maybe you will say, yes, it can guarantee me at least 20 years (based on your 20 years old).
Now I will provide you with a set of data, and you will understand it after a look.
1990, the national average life expectancy was 68.55 years, 66.84 years for men and 70.47 years for women. Tibet, the lowest province, is 59.64 years old on average, 57.64 years old for males and 6 1.57 years old for females.
In 2000, the national average life expectancy was 765,438+0.40 years, 69.63 years for men and 73.33 years for women. Tibet, the lowest province, is 64.37 years old on average, 62.52 years old for males and 66. 15 years old for females.
That is to say, suppose you are a 20-year-old male (you are 25 years old, just do the math yourself). When your insurance has been paid for 20 years since 20 1 1, you are just 40 years old. If this is death, you don't lose money and the insurance company doesn't make money (static algorithm, dynamic algorithm, you lose money). You earn when you die early, and the insurance company earns when you die late.
If you die at the age of 40, that is, when you die in 203 1 year, your life expectancy is lower than 1990, and the average life expectancy of Tibetan men is 19.
He is still responsible for this. I will certainly protect all of you.