From 2065438 to 2004, a large number of insurance policies appeared in Guangdong insurance market. Many insurance companies in Guangzhou have several large insurance policies with premiums of more than 2 million yuan, of which the maximum annual payment is more than 7 million yuan.
At present, domestic insurance companies set different premium thresholds for large-value policies, ranging from 10 million yuan to10 million yuan. Compared with foreign countries, domestic large-value insurance policies have the characteristics of low threshold and stronger leverage financing function.
Take the large financing policy of an insurance company as an example. The payment period is 3 years, 5 years and 10 year respectively, in which the minimum annual premium of each policy is 30,000 yuan, 20,000 yuan and 15000 yuan respectively, which means the minimum threshold is 90,000 yuan. After the second anniversary of premium payment and the third payment, you can apply for a loan with a maximum leverage of 20 times.
Many rich people spend most of their money on illiquid investment tools such as stocks and corporate bonds, and it is difficult to raise funds when they or their families face risks. In order to have sufficient cash flow protection in the event of an accident, you should divide part of your wealth into life insurance to relieve the worries of investment. This is often said that banks, stocks and insurance are the three major directions of family investment.
In fact, insurance is also a good way to avoid taxes. Investors can insure themselves with huge personal insurance before their death to improve their social status. In this way, some of your wealth can be inherited by your children tax-free in the future.