{"id":10400,"date":"2025-08-25T07:21:16","date_gmt":"2025-08-24T23:21:16","guid":{"rendered":"https:\/\/doolounge.com\/broker-qa-007\/"},"modified":"2025-09-01T09:25:19","modified_gmt":"2025-09-01T01:25:19","slug":"broker-qa-007","status":"publish","type":"post","link":"https:\/\/doolounge.com\/en\/broker-qa-007\/","title":{"rendered":"Q7: Can insurance protect against inflation?"},"content":{"rendered":"<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"940\" height=\"788\" src=\"https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17560776109972769551791860066266.jpg\" alt=\"\" class=\"wp-image-10399\" srcset=\"https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17560776109972769551791860066266.jpg 940w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17560776109972769551791860066266-300x251.jpg 300w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17560776109972769551791860066266-768x644.jpg 768w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17560776109972769551791860066266-14x12.jpg 14w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Generally, the payment amount of traditional insurance products is fixed. If we rely solely on such products to cope with long-term inflation, the actual purchasing power will gradually shrink.<br><br>Variable interest insurance policies will adjust the payment amount according to the declared interest rate and have a certain degree of resistance to inflation.<br><br>The investment type invests part of the premium into the market. If operated properly, the returns have the potential to outperform inflation.<br><br><br># Retirement Financial Management Q&amp;A 100 Questions<br># Zhihui Insurance Broker<br># I am an asset risk controller<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-995f960e wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed is-type-wp-embed\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"HWM5SIG8gq\"><a href=\"https:\/\/doolounge.com\/en\/broker-qa-006\/\">Q6: Is insurance enough for retirement planning?<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"Q6: Is insurance enough for retirement planning? \u2014 Chen Fa.\" src=\"https:\/\/doolounge.com\/broker-qa-006\/embed\/#?secret=X1SRDZIW5G#?secret=HWM5SIG8gq\" data-secret=\"HWM5SIG8gq\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-embed is-type-wp-embed\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"7pL4Ai3PxW\"><a href=\"https:\/\/doolounge.com\/en\/broker-qa-008\/\">Q8: Is whole life insurance related to retirement?<\/a><\/blockquote><iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; visibility: hidden;\" title=\"Q8: Is whole life insurance relevant to retirement? \u2014 Chen Fa. Miscellaneous\" src=\"https:\/\/doolounge.com\/broker-qa-008\/embed\/#?secret=JwCdhn5lpF#?secret=7pL4Ai3PxW\" data-secret=\"7pL4Ai3PxW\" width=\"600\" height=\"338\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Generally, the payment amount of traditional insurance products is fixed. If we rely solely on such products to cope with long-term inflation, the actual purchasing power will gradually shrink.<\/p>\n<p>Variable interest insurance policies will adjust the payment amount according to the declared interest rate and have a certain degree of resistance to inflation.<\/p>\n<p>The investment type invests part of the premium into the market. If operated properly, the returns have the potential to outperform inflation.<\/p>","protected":false},"author":2,"featured_media":10399,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"activitypub_content_warning":"","activitypub_content_visibility":"","activitypub_max_image_attachments":4,"activitypub_interaction_policy_quote":"anyone","activitypub_status":"federated","footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"enabled":false},"version":2},"jetpack_post_was_ever_published":false,"beyondwords_generate_audio":"","beyondwords_project_id":"","beyondwords_content_id":"","beyondwords_player_style":"","beyondwords_language_id":"","beyondwords_title_voice_id":"","beyondwords_body_voice_id":"","beyondwords_summary_voice_id":"","beyondwords_error_message":"","beyondwords_disabled":"","beyondwords_delete_content":"","beyondwords_podcast_id":"","beyondwords_hash":"","publish_post_to_speechkit":"","speechkit_hash":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":"","speechkit_error_message":"","speechkit_disabled":"","speechkit_access_key":"","speechkit_error":"","speechkit_info":"","speechkit_response":"","speechkit_retries":"","speechkit_updated_at":"","_speechkit_link":"","_speechkit_text":""},"categories":[817,860,1263],"tags":[861,1350,1351,881,1303,1349],"class_list":["post-10400","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money","category-insurance","category-secret","tag-861","tag-1350","tag-1351","tag-881","tag-1303","tag-1349"],"blocksy_meta":[],"featured_image_urls":{"full":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17560776109972769551791860066266.jpg",940,788,false],"thumbnail":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17560776109972769551791860066266-150x150.jpg",150,150,true],"medium":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17560776109972769551791860066266-300x251.jpg",300,251,true],"medium_large":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17560776109972769551791860066266-768x644.jpg",768,644,true],"large":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17560776109972769551791860066266.jpg",940,788,false],"1536x1536":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17560776109972769551791860066266.jpg",940,788,false],"2048x2048":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17560776109972769551791860066266.jpg",940,788,false],"trp-custom-language-flag":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/08\/fb_img_17560776109972769551791860066266-14x12.jpg",14,12,true]},"post_excerpt_stackable":"<p>\u4e00\u822c\u50b3\u7d71\u4fdd\u96aa\u5546\u54c1\u7684\u7d66\u4ed8\u91d1\u984d\u591a\u70ba\u56fa\u5b9a\uff0c\u82e5\u55ae\u9760\u9019\u985e\u5546\u54c1\u61c9\u5c0d\u9577\u671f\u901a\u81a8\uff0c\u5be6\u969b\u8cfc\u8cb7\u529b\u6703\u9010\u6f38\u7e2e\u6c34\u3002<\/p>\n<p>\u5229\u8b8a\u578b\u4fdd\u55ae\u6703\u6839\u64da\u5ba3\u544a\u5229\u7387\u8abf\u6574\u7d66\u4ed8\u91d1\u984d\uff0c\u6709\u4e00\u5b9a\u7a0b\u5ea6\u7684\u6297\u901a\u81a8\u80fd\u529b\u3002<\/p>\n<p>\u6295\u8cc7\u578b\u5247\u5c07\u4fdd\u8cbb\u7684\u4e00\u90e8\u5206\u6295\u5165\u5e02\u5834\uff0c\u82e5\u64cd\u4f5c\u5f97\u5b9c\uff0c\u5831\u916c\u6709\u6a5f\u6703\u8dd1\u8d0f\u901a\u81a8\u3002<\/p>\n","category_list":"<a href=\"https:\/\/doolounge.com\/en\/category\/money\/\" rel=\"category tag\">\u8ca1\u7d93<\/a>, <a href=\"https:\/\/doolounge.com\/en\/category\/insurance\/\" rel=\"category tag\">\u4fdd\u96aa<\/a>, <a href=\"https:\/\/doolounge.com\/en\/category\/secret\/\" rel=\"category tag\">\u6709\u9322\u4eba\u7684\u79d8\u5bc6<\/a>","author_info":{"name":"\u9673\u6cd5","url":"https:\/\/doolounge.com\/en\/author\/doolounge\/"},"comments_num":"0 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