The algorithm of universal account is daily interest and monthly compound interest.
For example, 1 10,000 yuan, the next year is10.05 million yuan, and there are guaranteed interest rates of 2.5% and 1.75% in the contract, which are usually calculated according to the guaranteed price. For example, if a new company product is called account A, the execution interest rate of account A B is 6.8%, and the execution interest rate is 6.8%, but the interest rate of account A will be lowered to 4% or 3.5.
Since the "Regulations" were implemented in the insurance industry, the upper limit of the evaluation interest rate for insurance companies to protect themselves according to the principle of prudence is the upper limit of the evaluation interest rate stipulated by the universal life insurance minimum meeting formulated by 3.5% insurance companies every year.
widening of capital
Types of universal insurance
1, heavy safety type
The insurance amount is high, the investment account funds are small, and the loss of early surrender is large. For example, Sino-British Life Insurance's "Golden Pineapple B" guarantees 50 times the premium, and the first-phase deduction cost is as high as 65%, which is suitable for the investment risk-taking awareness and ability without other risk protection, but it must be guaranteed for a long time.
2
This kind of insurance has low amount, large family funds and small loss of surrender. For example, the amount of NG Pacific Antai Insurance is 5 million yuan, which is only 5% of the initial deduction. However, due to the existence of natural rates, the risk premium of young people is very low, and it can also play a role of hedging rather than saving.