What's all-powerful? Is it really all-powerful? Many customers do not fit for their own security because of this misunderstanding, and others have conflicting minds about everything because of this name, which leads to a disproportionate difference between expectations and practice. What's the all-assy?
I. What's the hac?
Hac consists of the financing and securing of two functional personal risk products, whereby the insured enters two accounts separately when they pay the premium to the firm, one of which secures that the account is used to ensure that the other is used to finance. In the meantime, it is ensured that the establishment of the amount and the amount of the contribution is in the hands of the insured, which can be adjusted according to the needs of the insured person at different times, that the funds of the contribution account are financed by the firm in charge of the contribution, that the benefit is not capped, and that a minimum interest rate is guaranteed。
Where's the all-power edge?
Pay sensitive. Insured persons are free to choose to change the period of contributions, to delay or suspend contributions in the event of future changes in income, to continue paying contributions after three or five years or more, and to make one or more additional contributions。
The guarantee is subject to adjustment. Insured persons are able to select themselves within the bounds, or to change their fundamentals at any time, and then satisfy the different needs to secure funding。
The receipt of the value of the policy account is facilitated. The insured person may collect the value of the policy at any time。
Three. How close is it?
The proceeds of practice may be the tipping point. It is uncertain that the uae has a guaranteed return but that it is higher than that。
The proceeds of funding are not a success story. Customers need to carefully read the cost portion of the conservative clause when purchasing the ai risk, knowing that the proceeds from prior-period accounts will be offset in part by some costs and that the product will need to have a real return on talent for a period of time。
There is a risk of repossession. Owing to the large costs of purchasing fully functional risk insurance net of initial costs, hazard management charges and so on, the personal account value of the policy in previous years would be very low and the loss of the refund would be significant。
Iv. Who's supplementable to buy all-ower?
(a) a steady continuation of income;
There is a substantial amount of money and there is no other intention to fund it in the long term;
(b) there is a necessary funding and a dangerous perception, but there is no time or effort to make other funding;
There is a medium- to long-term reserve for the return of the full power risk, which should be at least five years in the medium to long term。
V. What should be noted?
Contribution. Costs deducted from the requirement for euratom: initial costs, hazard-conservation fees, policy management fees, loan account management fees, additional risk-conservation fees, some companies also charge partial handling fees. The initial cost is 50 per cent, while the hazard-conservation fee and the policy management fee are charged monthly
Funding is uncertain. The measurement of future gains in the product statement is descriptive, with minimum guarantees that the proceeds from the contribution above the interest rate are uncertain, and the presentation of benefits also includes advanced, middle-class, low-grade, and single- and compound interest, which the insured must identify。
Frequent receipt of account value may affect the accumulation of later gains and may also affect policy benefits and reasonable demand arrangements by withholding related costs。
