What savings dividends insurance?
Savings dividends insurance，It refers to obtaining life insurance，The insurance company will actually engaged in the production of distributable surplus，By a certain percentage、Cash dividend or value-added bonus of way，Assigned to the proposition varieties of life insurance policy holders。It comes with security function，But the body is the dividend payout，If you encounter premium income plus death or total disability is primarily paid by the return policy。(source：Baidu Encyclopedia)
Flexible life insurance protection contributions
The contribution period with a limited lifetime guarantee to obtain 100-year-old fixed premium option with different contribution period
Stable returns easy withdrawals
Will be issued to ensure the cash and non-guaranteed bonus may take the whole sum or periodic times to withdraw money
Life insurance benefits plan、Savings Insurance Plan、Pension Plan
Life Savings Insurance Plan benefits plan Pension Plan
For the masses For the masses For the masses
I think through the long-term savings plan，On day To think through the long-term savings plans and Seeking a stable retreat outside the MPF
Annual or after a specified period of withdrawal Obtain assurance and non-guaranteed dividend of people Hugh's income
Fixed cash people
√ Medium to long-term plans √ Medium to long-term plans √ Medium to long-term plans
√ Life lifelong protection to 100 years old √ Life lifelong protection to 100 years old √ Life lifelong protection
√ Many premium contribution year option，Case √ Options available public funds：Lump sum premium √ Options available public funds：Lump sum premium
Such as the eight-year period or a defined contribution year，Such as the 3-year period or a defined contribution year to 75 years old
√ Optional flexible cash withdrawal √ Optional flexible cash withdrawal √ After the expiry of the contribution period，Optional flexible support
√ Quota premiums √ Fixed premium to take cash
√ Cash value √ Cash value √ Coverage may adjust premiums
√ Cash value
Q1: What are the three major Hong Kong financial goals?
Raising the next generation：20%；Real Estate：27%；Pension savings：27%。(Data Sources：Investor Education Center in October 2015)
Q2: I have purchased insurance，Whether from worry?
it's not true，Because this is only the first step。You should regularly review the coverage of an insurance policy if you need to meet。Different life stages have different needs，When new life comes to meet，You may need to increase protection；When you are ready to retire，It should consider pension plan。