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After engaging in insurance for 20 years, the interest rate from traditional insurance policy is 8% to 2.25%, because traditional office premiums become more expensive as the interest rate is lowered. In 2002, when the interest rate was set at 4%, Taiwan also started to have investment-type insurance policies. It was known that investment-type insurance policies are much cheaper than traditional insurance policies, but there are risks. After experiencing the financial tsunami in 2008, we learned more about the advantages of investment-based insurance.
Investment-oriented insurance products are a type of financial instrument that has functions such as investment, insurance, tax, financial management, asset preservation, and pre-production tax sources. Assets are allocated through investment-based insurance policies, and long-term ownership is also a good retirement planning tool. First, you can achieve financial goals and complete financial freedom. When designing the beneficiaries when planning insurance protection, the use of insurance policies can solve the problem of property distribution and can also be used for asset transfer.
Taiwan’s insurance has the highest penetration rate in the world. According to the statistics of the insurance center, the average premium per person (ie, insurance density) reached NT$150,000, and the insurance coverage was only 560,000 yuan. The protection was obviously insufficient. Through investment-type insurance policies, you can increase security, meet different stages of demand, and achieve the significance and function of insurance. At the same time, you can also achieve the virtues of the country's love for savings. In this process, we also participate in many cases of clients. I will also share in the cases to let more people understand the advantages of investment-type insurance products.
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