Update1:yauett &; Danny.yu 168: Please don't advertise here. I hope you can answer the question directly. In another answer, someone said that "the dividends of the two insurance companies are quite different from the expectations (as it happens, both companies have blue backgrounds)." . knowledge.yahoo/question/？ qid = 7006 1 1 1004849

Update 2: Thank you for your detailed reply. I believe that major insurance companies will not deliberately produce a deceptive product, but it is obvious that Company D is not honest enough (the dividend issue is obviously an insurance company's business, not an agent's business), which leads to many complaints. A friend of mine bought a burglary insurance at the biggest bank in Hong Kong. Once it was stolen, he called the customer service department at lunch, but even the responsible colleague went to dinner and asked my friend to call later. This bank boasts a good service model, but it is a D service. There is nothing to say, but it is really a good method. I don't mind the poor service, but I don't like the crazy talk of D company. I might as well book it myself, but it's just a dry sample.

Update 3: When it comes to dividends, I understand that most of them are affected by bad market conditions, but good insurance companies should make good predictions. There is no reason to estimate relatives wrong or wrong. If the estimate is wrong, to be honest, the insurance company should earn less D by itself, so that the customers of D can get the expected income? You earn less, we will bear it. Is there any insurance company with D that will earn more than D customers? If I ask another question, "Is there a difference between the actual dividend and the predicted dividend of frontier insurance companies in general?" ",you compare opinions will be easier?

I believe all insurance companies are credible, because there is legal supervision.

In fact, the payment of dividends is not guaranteed. Actuaries of insurance companies only predict how many dividends may be paid in the future according to the factors at that time, so when the economy is good, they will certainly predict more dividends. When the economic environment is worse than expected, it is normal that the expected dividend cannot be paid.

There is a big difference between the forecast and the actual income of some insurance companies because they are more enterprising and invest their customers' money in some high-yield projects. If you expect higher returns, you have to take higher risks, that is, when the economic environment deteriorates, the actual returns may be far less than the expected returns. If the insured chooses this scheme when applying for insurance, then he/she should not complain about the actual return.

I try to compare the ten-year life insurance policy of an insurance company whose A prefix is often renamed (the logo is blue) and an insurance company whose M prefix is listed in mainland China and Hongkong (the logo is green). The annual premium paid by Company M is about 30% more expensive than that of Company A, but the predicted "total cash value" after 20 years is only more than that of Company A 18.6%. At first glance, Company A's plan is flatter than that of Company M, and the return is relatively high.

But after careful analysis, after 20 years, the guaranteed cash value of Company A is 40% of the non-guaranteed accumulated dividends, that is, 70% of the total cash value comes from the non-guaranteed part. The "guaranteed cash value" of Company M is11%of the "non-guaranteed accumulated bonus", that is, only 47% of the "total cash value" comes from the non-guaranteed part.

Assuming that due to the deterioration of the economic environment, the actual income of both companies is 30% lower than expected, then the "total cash value" of Company A will be reduced to 79% as expected; On the other hand, when the actual return of M company is 30% lower than expected, the "total cash value" is still 86% of the forecast. At this time, the "total cash value" of company M is 30% more than that of company A. Please note that the deterioration of economic environment may have a greater impact on company A because company A invests in relatively high-risk projects. ..

The above example is only a very general calculation, but the ratio of "guaranteed" and "unsecured" of the two companies reflects the impact of changes in the economic environment on "total cash". More "guaranteed" comes at a price, because M company pays a higher premium every year, and this higher annual premium will play a role when the economy deteriorates. What deserves our consideration is whether insurance companies will share extra profits with policyholders when the economic environment is better than expected.

Personally, life insurance is a defensive investment tool, whose main function is protection, so it should have stable characteristics. It is unrealistic to expect a life insurance policy to bring high income, just like in China chess, it is hoped to kill the enemy with a taxi, or the goalkeeper of the football team will score goals.

Insurance companies are commercial organizations and want to keep profits. Therefore, it is understandable to reduce dividends when the investment environment deteriorates. However, when you choose an insurance company, you might as well compare their adversity tolerance, including their history and scale: history shows that they have faced many economic downturns, and if they are still not abandoned by the insured, they are the companies that can successfully survive the downturns; Large-scale companies have the ability to withstand greater adversity and will not change the dividend forecast in the plan at will, which is a great guarantee for the insured. , reference: [email? Protected], in fact, every insurance company can be trusted, because I believe in * * *, just like you asked me about my trust in neighboring banks, all financial institutions such as banks and insurance companies have good supervision, don't you think? As for your question, I personally think that your question is not the insurance company's problem, but the communication problem between the agent and you, the dividend problem and the compensation problem. Problems can be reported to agents and insurance companies. If you can't solve them, you can invest in the insurance supervision office, which will give you justice (OCI/). Because of the legal supervision in China Mainland and Hong Kong, most life insurance companies in China Mainland and Hong Kong are also very reliable. I suggest you look for those in China and Hongkong. There is little possibility for insurance companies to cheat insurance because they have to bear a lot of legal responsibilities.

On the contrary, due to the characteristics and competition of the industry, the quality of the company's agents may be uneven and the turnover of personnel may be great. I'm sure you don't want to buy from an agent of one company today, and tomorrow he/she will say that he/she has transferred to another company, leaving you with a low salary, and even asking you to move the order and make you lose money. I suggest you refer to the following points:

1. How long have you known this broker? Is it credible?

2. Has he/she made a detailed financial analysis with you and paid attention to the reasons why you bought insurance, such as retirement or family security? Or some of hardsell's products you don't need?

3. Are you advised to buy some products with high premium, but they are not needed or guaranteed? Because the premium will affect the agent's task, promotion and even competition ranking, especially at the end of the season and year.

4. Does the agent often change companies? How long did you work in your last company?

5. Look at the agent's card. Have you won awards for many years, such as the industry-recognized MDRT? If so, you can rest assured that only diligent brokers can win awards every year.

6. Be careful if you are finally asked to sign some blanks.

The dividend distribution you mentioned is not sufficient, and there are usually two situations:

1. Dividend distribution is exaggerated in the sales process, so that customers can't receive the expected income. Generally speaking, the agent will have a sales proposal, including your gender, age, products purchased, smoking or not (if the products are applicable), and there should also be a report listing the annual dividend return, which should be checked with the agent in detail.

2. The insurance company made an estimation error when designing the product, and could not distribute the promised bonus in the policy package when the sales or economic environment changed after that day. You can check with the relevant companies.

Experience is less than 90% because of the reason 1, because the suggestion is a &；; #39; Estimate &; #39; Unless the product is specified, the sales proposal is not 100% guaranteed. If you don't know or have any questions, you should try to find out. The two companies you mentioned should also be more reliable. You should know that everything is subject to the terms listed in the insurance policy, because it is a contract between the insurance company and the customer.

Secondly, due to the increasing number of accidents and medical claims in recent years, if there is a long-term claim record or the insurance company thinks that the risk of future claims will increase, the insurance company may increase the price or even refuse to renew the insurance, such as cancer. Generally speaking, if you don't claim much for a minor illness within one year, it's no problem, especially for those big companies, it's only nine Niu Yi cents.

Finally, please remember that insurance is also one of the important responsibilities of you and those around you. Before buying a security with your hard-earned money, please think more, listen more, ask more and compare more.

I'm glad you suggested not to advertise here. I've seen too much recently.

Supplementary explanation:

I understand that you are dissatisfied with the services of those big companies. I had a similar experience. I cancelled my account because of the poor service of a big bank. I suggest that your friend can make a written complaint to that department. As for the bonus, if your insurance policy was purchased many years ago, the bonus may be different. Because the economic environment has changed rapidly in recent years, some products are different from those originally estimated, but this situation should be limited to some old products of some companies, so it is difficult to make a general overall comparison.

2006- 1 1-2 13:

Don't forget, many years ago, the environment was worried about paying bills, but then there were economic bubbles, deflation and other problems. It can be said that if most of a company's products are so poor, it will be difficult for it to survive in the China and Hongkong markets. I wonder if you can provide more substantive information, such as products, purchase period, dividend expectation and actual difference income, so that we can study it together. Have you asked the company about your order? What's their answer? In fact, most companies think it is possible to have a D field in the middle.

As for you want to buy life insurance/medical care, you have to go back to your time to eat or smoke men/women to calculate the premium.

In terms of return, there are savings/guarantees.

Savings can be used for several years without washing, and the return can be as high as 400%

Guarantee that the premium is relatively flat d

As for what kind of protection can meet your needs, you need to know more. If you have any questions, you can.

Send email at any time. ) Ask questions at any time. You're welcome. AXA and AIA are trustworthy. Reference: My mother and my classmates are in the insurance industry.