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Investment-linked insurance is increasingly being chosen by many people for their personal financial plans thanks to its ability to combine financial protection and profitable investment opportunities. Follow the following article now to better understand the characteristics and benefits of this type of insurance!
Investment-linked insurance is a modern insurance product combining life insurance and financial investment, simultaneously brings two core values: financial protection against risks and profit opportunities from investment funds.
This type of insurance not only protects participants against risky situations such as: death death or permanent total disability but also opens up opportunities to increase assets through investing in financial funds. Investment-linked insurance is especially suitable for those who want to find a long-term, safe but still profitable financial solution.
Operational mechanism of investment-linked insurance is built on dividing the insurance premium into two clear parts:
Investment-linked insurance is currently classified into general life insurance and unit-linked insurance. Each type of investment-linked insurance has its own unique characteristics and benefits as follows.
Joint insurance kUnit-linked:
Universal life insurance is sproduct give allows participants to invest in Universal Life Funds managed by insurance companies. These funds usually Focus on investing in stocks, bonds and other financial instruments. When participating in universal insurance, customers will receive all profits and risks from these investments.
Although it is impossible to accurately predict profit levels, this type of insurance has an interest rate that is always guaranteed to be no lower than the interest rate committed to the insurance contract, helping to minimize risks for customers. This type is suitable for those who seek high profit opportunities from investment but can still protect financial stability.
Unit-linked insurance (Universal Life)
Unit-linked insurance is a product allows customers to invest in qThe unit-linked fund is established by the insurance company but does not commit to a fixed interest rate. The profits earned when participating in this type of insurance completely depend on the performance of the funds that customers choose.
Unit-linked insurance is highly flexible, allowing customers to adjust insurance premiums and investments according to personal financial needs and goals. This type of insurance is suitable for those who want to maximize profits from investment funds and are willing to accept market fluctuations.
Both types of insurance offer very good profit opportunities with different levels of risk and profit. Customers need to consider carefully before choosing the type of investment-linked insurance that is right for them.
Investment-linked insurance is increasingly gaining interest and popularity thanks to the outstanding benefits that this type brings to participants:
Besides the outstanding benefits mentioned above, investment-linked insurance also has some disadvantages that participants need to consider:
Participating in investment-linked insurance depends on each person's financial goals and risk tolerance level. If you are looking for a comprehensive financial solution that both protects against risks and increases assets, this is a product worth considering. However, you need to make sure you clearly understand the operating mechanism, costs and risks related to this type of insurance before signing the contract.
Compared to media insurance, investment-linked insurance is considered a more progressive and comprehensive type. The following is a comparison table of its features Investment-linked insurance and traditional insurance:
Each type of insurance is designed to meet different customer needs. Accordingly, traditional insurance will be suitable for those who prioritize absolute safety, stability and transparency with the desire to protect finances against risks and unexpected events. On the contrary, investment-linked insurance will be suitable for people with a stable financial background who want to both protect their finances and take advantage of opportunities to increase long-term assets through investment.
When choosing investment-linked insurance, you should carefully consider influencing factors such as personal goals, financial situation and your ability to accept risks to make an appropriate decision. Specifically:
Investment-linked insurance offers many attractive conditions for profitability, but the customer is the one who bears all risks and losses during the investment process. Therefore, in addition to choosing the appropriate investment-linked insurance product, you also need to keep in mind some important factors to protect your personal interests and achieve the following financial goals:
Southeast Asia Commercial Joint Stock Bank (SeABank) is one of the most prestigious and popular commercial banks in Vietnam. SeABank is always a pioneer in providing diverse and flexible financial products, meeting the increasing needs of customers. With strategic vision and close cooperation with Prudential, SeABank provides optimal investment-linked insurance solutions to both protect finances and effectively increase assets for customers.
PRU investment-linked insurance product – FLEXIBLE INVESTMENT
PRU – FLEXIBLE INVESTMENT is a unit-linked insurance product that helps you and your family feel secure against all risks, while opening up effective investment opportunities with a diverse fund portfolio.
The team of consultants at SeABank is always dedicated and ready to advise and support customers in optimizing benefits from products. Choose PRU - FLEXIBLE INVESTMENT with SeABank to build a solid financial foundation for today and tomorrow!
If you want to find out more information about the unit-linked insurance product PRU - FLEXIBLE INVESTMENT at SeABank, please contact the Hotline or go to SeABank's nearest branches and transaction counters for detailed advice.
Investment-linked insurance is a flexible financial solution, combining protection and profit opportunities from investment funds. Hopefully the above article has provided useful information to help you choose the right insurance product to protect your finances and optimize your assets in the future.