Posted by Traditional Hong Kong channels have been included in CRS, and life insurance products to the United States have become an inevitable choice.
With the accumulation of wealth, high-net-worth individuals have begun to focus on "preservation and appreciation" and global asset allocation, and various forms of overseas investment projects have become their inevitable choice.
It is reported that the average overseas investment amount of high-net-worth individuals is as high as 398 million yuan. In terms of overseas financial investment, the investment proportion of foreign exchange deposits is the highest, at 31%; followed by funds, accounting for 15%; and insurance, stocks and standard wealth management The products also have more than 10%.And at present, the smart and wealthy have begun to quietly focus their attention on life insurance in the United States, using the large-amount life insurance in the United States as the secret weapon of choice for dollar asset allocation.
Why should I buy life insurance in the United States?
There are many insurance companies in mainland China. Why do more and more Chinese people have to make a special trip to the United States to buy insurance?The specific reasons are mainly as follows:
1. The U.S. has the most complete financial system, and the U.S. insurance industry is the most secure financial industry
The life insurance industry in the United States has a long history. It has been a mature and developed market since the first policy was issued in 1762.Insurance companies in the United States did not fail, but banks did. The government stipulates that every insurance company must have a special deposit, and reinsurance companies are responsible for risks that it cannot bear.Each state government has an insurance department and a special security deposit as additional reinsurance.The insurance industry is the most secure financial industry in the United States.
2. American insurance companies have a long history and heavy reputation
Many American insurance companies are "century-old stores" that have been in business for more than 100 years.If the words are standardized and the claims are settled in a timely manner, people will definitely lose money if they die (except for suicide in the first two years of course).There has never been a case in the United States where an insurance company makes an excuse for not paying or deliberately delaying the settlement of claims. Once there is a claim dispute, the majority of the legal benefits belong to the insured.The insurance industry in most Asian countries has only a few decades of history, especially life insurance. Many people report that they do not trust their country’s overall insurance management system and claims settlement capabilities, and there is uncertainty to a certain extent whether they can get money in claims settlement. , Especially large insurance policies.
3. The most advanced insurance products in the United States
Life insurance products in Hong Kong and China generally include term life insurance, lifetime life insurance, and savings dividend universal insurance.In addition to these three types of insurance in the United States, there are investment-type and index-type universal insurance.The latest type of insurance in the United States, as a kind of guaranteed investment insurance, can follow the stock market index to obtain income and ensure that only profit is not lost, and it has gained more and more people's favor.At present, these financial products are not available in Asia, and they are the most advanced insurance products in the world.
4. American insurance products are the cheapest and the most cost-effective
The main clients of American life insurance are North American residents. The North American region has more advanced medical services, a long life expectancy, a relatively stable investment environment, relatively transparent investment channels, and low inflation in the United States. Policy risks and local wars are almost negligible. With few large-scale natural disasters and high per capita GDP, coupled with the result of fierce competition from more than 1500 insurance companies in the United States, the cost of insurance in the United States is lower, and premiums are also the cheapest in the world.A company has done a special comparison and found that in the United States, China, Hong Kong and Taiwan buy life insurance with the same amount of insurance, the United States’ premiums are only one-fifth of China’s, one-third of Hong Kong’s, and one-half of Taiwan’s. .In other words, to buy the same insurance, the money spent in mainland China is about 5 times that of the United States.
