Commercial endowment insurance is a kind of commercial insurance. It takes people's life or body as the insurance object. When the insured retires or the insurance period expires, the insurance company pays the pension according to the contract. How to calculate the commercial endowment insurance? Business endowment insurance calculation method steps to understand.
First of all, let me tell you that insurance is not so calculated.
Endowment insurance is generally divided into two parts: 1. Interests specified in the contract; 2. Dividend interests (only for dividend insurance)
1. The interest written on the contract when the contract specifies the interest, such as the insured amount of the contract, and the Survival Fund (or pension expiration fund, etc.) you receive at the corresponding age or policy year, is called the interest stated in the contract, which is a fixed interest.
2. Participating insurance will have dividends, which are mainly from the three poor. Uncertain at the time of dividend.
Do not consider dividends when calculating! It's good to calculate only the benefits stated in the contract, which is guaranteed.
In addition, there may be some universal coverage of endowment insurance, which is not recommended by individuals. The real endowment insurance should satisfy the following three points:
1. Monthly claim function; 2. Lifelong claim; 3. It is better to start from 55 or 60 years old
The so-called 8% guaranteed income is bullshit. If you have guessed correctly, the insurance survival benefit is to return 8% of the insured amount. When the salesman is selling, he / she steals his / her thoughts and claims that the promised income is 8%.
Generally, the income of insurance is about the same as or slightly lower than that of the bank (don't spray on me, go back to self calculation, the bank's fixed deposit of 5 years is 5.5%, and take out and transfer deposit of 5 years, so don't think that only insurance is compound interest). Insurance focuses on protection rather than income. Universal insurance will be slightly higher than red insurance. It is slightly higher than the one-year deposit of the bank, but pay attention to the initial fee and collection fee, as well as the company's published interest rate in the past.