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由于物价上涨和加息预期加强,传统寿险的魅力悄然减退,投连险得到越来越多市民的青睐。据介绍,投连险的现金价值和身故保险金可以根据投资账户的实际投资业绩发生变化,从而能有效抵制通货膨胀的压力。眼看着月月CPI都创新高,吕先生在盘点自己的保单时,开始担心已有的10万元的寿险保障和10万元的重疾保障难以满足十多年以后的需求。于是,吕先生考虑加保,但目前一年期存款税后利率已达到3.42%,而寿险预定利率仍未突破2.5%,吕先生觉得眼下投保传统寿险有些不划算。
Due to rising prices and the expectation of raising interest rates, the attractiveness of traditional life insurance quietly subsided. Investment-linked insurance has attracted more and more people’s favor. According to reports, the investment-linked insurance cash value and death insurance can be based on the investment account of the actual investment performance changes, which can effectively resist the pressure of inflation. Looking at the monthly CPI have hit a new high, Mr. Lu in inventorying his own policy, began to worry about the existing 100,000 yuan of life insurance and 100,000 yuan of disability protection difficult to meet the needs of more than 10 years later. As a result, Mr. Lv considered adding insurance, but the current one-year deposit tax rate has reached 3.42%, while the life insurance rate has not yet exceeded 2.5%, Mr. Lv think now insured some of the traditional life insurance is not worthwhile.