保险公司炒股赚钱了 分红险万能险可“分钱”

Group 1 - The trend of insurance capital entering the market is becoming a significant indicator for investors' decisions [1] - The floating returns of participating insurance and universal insurance are linked to the investment performance of insurance companies, with guaranteed returns remaining fixed [1] - The guaranteed return for participating insurance currently has a maximum preset interest rate of 2%, while the dividend portion depends on the company's investment performance [1] Group 2 - The dividend realization rate is an important metric for consumers when purchasing participating insurance, with many companies reporting rates at or above 100% for 2024 [2] - The actual dividend amount may differ from the expected amount, as seen in the comparison of different products where higher realization rates do not necessarily equate to higher actual returns [3] - A North American actuary emphasizes that the dividend realization rate should not be the sole basis for comparing different insurance companies, as it must be considered alongside the sales demonstration of dividend benefits [3] Group 3 - Universal insurance offers a guaranteed interest rate but deducts initial account management fees, which can affect the cash value perceived by the policyholder [4] - Consumers are advised to understand the payment methods and associated fees of universal insurance, including initial deductions and withdrawal penalties [4] - Some insurance companies have imposed restrictions on additional premium payments, which can impact the flexibility of the policyholder's investment [4]