[Korea gimmingyeong financial newspaper reporter] # 1 A housewife Mr monthly subscription jeokriphyeong savings insurance products on the lookout for a financial instrument (maturity 2010) increased the interest rate in order to prepare for jeonsegeum impression after two years. But two years after aware belatedly regretted that the attempt to terminate the Endowment insurance reimbursement know the result of principal payments by more than 10% compared to the damage caused to an additional payment jeonsegeum.
C # 2, upon receiving a 40-year-old office worker said, my father was diagnosed with cancer soon learn that contain renewal of the idea that I should join a cancer insurance premiums paid May least 甲 insurance hyeongam insurance. One day, renewal premiums are impressed by a large margin "is unfolding commodities invitations Join in the past heard the news Bonnie is the total paid premiums more expensive than the non-renewal-type product subscription time to estimated future renewal premiums continued to rise, retirement belatedly it realized that after the age of 60 must continue to pay the premiums until maturity.
It will be in accordance with common practice around with, lack of understanding of the financial product called 'insurance'. Naenwatda the Financial Supervisory Service (FSS) 'insured before the required check points five different' for convenient financial lives of the people 28 days.
First, weigh carefully whether you take a long-term contract. Insurance is a financial product to prepare for future risks. If you terminate the contract early because pas designed to maintain long-term disadvantages, such as the premise may be greater that receive less reimbursement than the revocation of principal.
If the findings of the Financial Supervisory Service of Savings Insurance may terminate in two years, depending on the product hwangeupryul too early in the life insurance of 90% two years showed hwangeupryul perching on the mid-70% out of 30% even after 7 years.
There is a fear greater the variable investment-type insurance products sold by insurance too if you want to revoke the initial product, combined with the 'insurance' and 'equity' or fund performance is worse when the loss of principal.
Therefore, to insure their income before ttajyeobogo well as premiums paid burden is desirable to sign up for judgment when they can maintain a long-term insurance contracts.
The purpose of insurance is also necessary advice whether to try to raise long-term lump sum, like whether or annuity guaranteed risks.
Protection-type insurance risk for the primary purpose of the guarantee can be relatively large compared to the insurance premiums paid in the event of accident insurance coverage, and in some cases the refund amount received at maturity or no.
On the other hand, most of the savings insurance premiums are linked to a certain rate or asset management performance. So gotta get this money refunded only ensure greater history than the relatively limited compared to protection-type insurance premiums paid at maturity may be less accidents and insurance.
It also requires attention to the lump affordable premiums. Even if you pay monthly premiums cheaper to pay a premium for decades when total premium is large enough to amount corresponding to the price for luxury cars. FSS will advise Up After reviewing the basic information, such as insurance premiums and coverage by product carefully through the financial consumer information portal 'Fine.'
To take a look at your coverage and claims payments limit the reason is very helpful in the future. If you do not receive, because often the only ensure gotta deceptively low premiums were necessary insurance jeongjak later. FSS recommend carefully examine the insurance policy. In particular, customers should familiarize yourself with the coverage, limitations, insurance payments and consumer rights and obligations and the like.
Examine whether the update type is also necessary to prepare for future increases in premiums. Most insurance policies include a period of time after you sign up and pay premiums once "update-type" changes the last premium payment until terminated has the same 'non-renewal type. Especially because you have to pay a premium at maturity after 60 years if you do not have a fixed income after retirement can increase the payment burden of the renewal type of insurance products.
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