Car insurance and savings

Function of life insurance savings
Should be said that life insurance is not only saving feature, as well as the investment function. A balanced system of life insurance premiums, net premiums deposited in the reserve for most of it is the insurer's liabilities. In order to achieve the commitments of the insured to ensure the solvency of insurance companies must use a reliable reserve asset value in order to obtain sufficient return on investment. Therefore, life insurance, in addition to access to protection, but also is an investment and savings, the insured can receive investment income from insurance companies ─ ─ ─ ─ income dividends and savings interest. And everyone can enjoy the insurance policy, such as mortgage, surrender, select the right mode of premium payment.
With the improvement of China's financial markets, raising the level of people's income to buy life insurance, stocks, bonds, treasury bills, real estate, also become the choice of increasing the value of the currency. Life insurance premiums generally have three components: accident insurance, sickness insurance and value-added insurance of death. The main function of the first two premiums is to protect the insured due to accident, disease, accident or death caused by high residual losses, can be seen as a consumer; value-added part of the premium is the role of the main added value in accordance with the policy interest rate intended to meet the income person's pension, further education and other needs, with the investment function. China's insurance market life insurance insurance, complete functions, the majority of comprehensive insurance, from the risk, security, reliability and profitability perspective, with the investment function. And to participate in private insurance will also enjoy some preferential policies, such as tax holidays, etc., compared with other investment instruments, it is quite excellent.
We use a simple formula to calculate the insurance value of investments:
Insurance = 1 yuan (years) escape from danger you might lose 1,000 yuan + (years) 1 per principal + interest (income). Of course, you better not crash, you receive at least 1 per Insurance = (years) 1 per principal + interest (income). Starting from the fall to earth, can participate in pension insurance. If the parents of children 1 year of age for a one-time purchase of 150 old-age insurance, and children over 55 years of age, can receive 100 yuan per month until death, death, can have a lump sum of 2,000 yuan. If children live to 75 years old can receive a total of 26,000 yuan, the more live longer lead. Not yet reached pension age had died, as long as the insured up to six months time, can receive 2,000 yuan, was killed by accident, you can receive at any time of 2,000 yuan. No matter how calculated, which are value for money 150. The most typical means of investment bank savings formula ─ ─ What is it? 1 yuan savings = (years) 1 per principal + interest (interest rates will change with inflation adjustments).
Formula for investing in stocks is: 1 yuan = 1 per share earnings uncertainty principal +; or 1 per share = 0.1 per principal. It can be seen, the insurance is a kind of protection, and both investment income.
Savings effect of family property
Two types of household property insurance - property insurance and the average family household property endowment insurance. Family property which has a disaster compensation endowment insurance and savings dual nature. In other words, the insured's premium to the insurance company is the form of savings, and insurance, the insured to pay a fixed insurance savings, interest savings transferred to the premium, the insurance expires, regardless of the period of insurance has occurred, the insurance savings shall be returned to policyholders. But because the current bank interest rates low, some insurance companies have stopped selling the insurance.