Ji'nan's rich people pay hundreds of thousands of premium annually, who has bought large insurance policies.
source: Ji'nan times
when commercial insurance is "luxury" for most citizens, a few wealthy people in Ji'nan have to pay hundreds of thousands of yuan or even millions of yuan per year. The reporter investigated many insurance companies to understand that the majority of the large policy holders are the owners of individual business. Compared with other financial methods, insurance financial management brings them more sense of security.
[b] Ji'nan market is frequently a large insurance policy [/b]
Ji'nan market frequency of a large amount of insurance premium over hundreds of thousands of dollars, the reporter learned yesterday, as the life insurance industry second echelon Taiping Life, only Shandong branch this year, the new annual premium of 5 million yuan to the customer 1, new annual premium 500 thousand yuan to add On the 4 customers, new annual premium of more than 200 thousand yuan and 23 customers, of which the vast majority of business owners.
more large insurance policies "hidden" in life insurance industry's first tier China life, China Ping An. Cao Jiping, the first insurance agent for China Life's Ji'nan branch, said: "every year my clients will increase two or three years to pay tens of millions of dollars, and the owners are getting more and more acceptable to the insurance, but they are very tense, want to meet them and make sure about all aspects of the insurance. Chu, the difficulty is very big. "
Ping An Life Ji'nan branch responsible person told reporters that in recent years large policies have increased rapidly. In recent years, an enterprise owner in Ji'nan has a one-time premium of about 7000000 yuan for universal insurance.
Business Department of a number of life insurance companies, the rich insured both balance management and security, which is more focused on financial management, investment insurance to bonus insurance and universal insurance. Because of their abundant funds, they do not attach much importance to the insured amount of life insurance, and attach more importance to the long-term payment of survival fund. A customer who pays tens of millions of yuan per year is insured for the "Fu Shou Lian" for the child. The child can receive 10% basic insured survival insurance every other year. The survival insurance is 88 years of age. "This is a good way to make your wealth hereditary, even if your children can't copy your ability to create wealth, you can also make their lives rich," the insurance agent said.
[b] enterprise owner can guard against bankruptcy risk [/b]
Ping An Life Ji'nan branch business department manager Zhang Aiyun introduced, more and more enterprise owners tend to insurance financial management, one of the most important reasons is that the security of the insurance is incomparable to other financial ways. The exclusive nature of insurance is that the enjoyment of the rights of a policy asset is protected by law and not for other reasons. Under the background of the financial crisis, many small and medium-sized enterprises collapsed overnight, and once the business owners with a lot of money became penniless or even heavily indebted. Once the owner is bankrupt, its bank deposit, stock, property, car and other property all enter the liquidation, but the insurance policy is protected by law, and it will not be used to pay off the debt because of bankruptcy. Therefore, the enterprise owner can still maintain the original standard of living of the family by relying on the regular high return of the policy. Another advantage of
Insurance and financial management is reasonable avoidance of estate duty. Some business owners have huge assets, hoping that the children will inherit the legacy after a hundred years, but they are worried that the state will introduce a "inheritance tax law" and pay a high estate tax. In this regard, the insurance experts said that, according to the current law, any insurance income is duty-free, and the business owner can achieve the purpose of tax avoidance through the purchase of insurance. If the owner can insure the insurance for the survival of the insured, or to insure the child with the educational insurance, and designate the child as the beneficiary, the full payment of the premium will belong to the child's own property. Business owners can also be used as insurers to insure high life life insurance, with their own as the insured, children as beneficiaries, and after a hundred years of business owners, children can also get insurance.
private enterprises generally need turnover funds. If a large number of funds are used to buy insurance, how do they need money to do business? For this, the insurance industry has already provided a solution. The business owner can go directly to the insurance company to deal with the loan on the basis of the policy, and the amount of the loan can reach 80% of the value of the cash price of the policy.