Different consumers have different needs and preferences for insurance. Some consumers prefer insurance products with security, while some consumers prefer financial insurance products. There are many kinds of atrocity insurance, and the functions of some kinds of insurance are very similar. Therefore, many consumers are often confused when buying. Do you make clear the difference between annuity insurance and dividend insurance? If you also want to know, let's learn about it with Xiaobian.
The difference between annuity insurance and dividend insurance
1. Financial risk
Generally, there is no risk in purchasing annuity insurance, because the CIRC clearly requires that insurance companies must draw reserve funds in accordance with the regulations. The reserve between insurance companies is guaranteed by the reserve system. If the insurance company goes bankrupt in time, there is no need to worry about it. However, dividend insurance still has certain risk, and the dividend can be obtained by purchasing dividend insurance, which comes from the distributable surplus generated by the insurance company's dead profit, interest spread and fee differential benefit.
2. Different insurance rules
When consumers take out annuity insurance, they will find that some annuity insurance can determine the time limit, but some have no definite period, but they all take the survival of the insured as the payment condition. If the insured is disappointed, the insurance company will stop paying the insurance benefits. Bonus payment period, the amount of protection in the insurance are determined, will not change.
3. Different sources of income
Annuity insurance is the policy holder according to insurance and general regulation, receive insurance gold within the specified time, but the dividend of dividend type insurance is not fixed, how much dividend depends on the operation of the insurance company, insurance company's investment income and other factors to determine.