People spend all their spare money on wealth management products and stock trading. Because of the outbreak of the epidemic, the stock market fell, and financial management lost money, many people did not know where to invest their money. No, the predetermined interest rate is 4.025%, and the risk-free annuity insurance products have become the beacon of financial management.
Before, there was a very popular wealth life C, which attracted many people's attention with the slogan of "Give for a while and get a lifetime". So, senior, let's take a look at the benefits of this product today!
You can compare it with other annuity insurance products first and explore what is good about it: want to buy high-yield annuity insurance? Don't miss this 10 model again!
Then we begin to introduce today's core content, remember to take notes!
First, Taikang Wealth Life C benefits announced!
As usual, senior first showed the product drawings of Taikang Fortune Life C:
Then, let's analyze what guarantees Taikang Fortune Life C can provide. What is the specific return on investment?
Senior, the following information shows that "30-year-old Lao Li insured Taikang Fortune Life C with an annual payment of 1 1,000 yuan, with an insured amount of 8,350 yuan for five years". Let's pick up a pen and paper and work it out together!
1, survival insurance
Before the age of 60, you can receive 10% of the basic guarantee amount once a year; After reaching the age of 60, you can receive 20% of the basic insurance amount every year.
Then, before the age of 60, the old man receives 8350* 10%=835 yuan a year; Lao Li can get 1670 yuan every year after he is 60 years old.
Taikang Fortune Life C is a lifelong product, which means that the longer you live, the more money you can get!
2. Continuous insurance premium
Taikang Fortune Life C continuous insurance premium is paid at 2% of the annual premium. If the insured chooses to pay in three years, he can receive it in three installments. That's the inference!
However, senior sister wants to tell you that if you choose wholesale delivery, you won't get the continuous insurance money.
According to Lao Li's case, if you pay 654.38+00000 yuan a year, you choose to pay it in five years. In this way, old Li Can finally gets renewal money, and one year in 200 yuan is equivalent to 654.38+0000 yuan.
After reviewing and summarizing, it can be explained that the longer the payment time, the more sustained the insurance premium can be obtained!
3. Special survival insurance
As long as you reach the fifth anniversary of the policy, you can start to receive Taikang Fortune Life C Special Survival Insurance, the amount of which is 50% of the premium, and you can only get it once ~
If the small partner chooses to pay in one lump sum, it is impossible to enjoy special survival insurance!
It is understood that Lao Li has paid a five-year premium of 50,000 yuan, and can get 25,000 yuan from the fifth policy anniversary.
Of the above three security responsibilities, how much can Lao Li reimburse after insurance?
① Renewal premium: 1 ten thousand x2%x5 years = 1 ten thousand yuan;
② Special survival fund: 1, 000 x 50% = 5000 yuan;
③ Survival allowance (35-59 years old): 8350 yuan x 10%x25 years =20875 yuan;
④ Survival allowance (60-80 years old): 8350 yuan x20%x2 1 year =35070 yuan;
That is to say, Lao Li * * * received 6 1945 yuan, and after deducting 50,000 yuan of premium, he finally earned 1 1945 yuan.
If you prefer to receive it in one lump sum, you can also arrange to receive all the survival insurance money in one lump sum, which is equal to 3.6 times the insured amount.
It doesn't matter which payment method you choose, this benefit is definitely not enough!
However, fortunately, the product has been discontinued! However, the key to the breakdown of this product is that I hope you can pay attention to it. If faced with such a low-yield product, don't be stupid enough to buy it.
Then, let's compare Taikang Wealth Life C with whole life insurance and whole life insurance, which are also wealth management insurance, and see what the difference is.
2. What's the difference between Taikang Fortune Life C and whole life insurance?
The increased whole life insurance has the characteristics of increasing insurance coverage, which plays an important role in providing death protection and realizing wealth inheritance.
For more information about the increase in whole life insurance, please poke here:
Who's whole life insurance? Is it worth starting with?
Moreover, the increase of life span can not only quickly withdraw funds, but also facilitate the acquisition of funds. People who have bought it call it a cash flow planning tool.
So, compared with Taikang Fortune Life C, what are the advantages of whole life insurance?
What it does well is that the investment liquidity is good and it is more convenient to raise funds.
Receiving an annuity regularly after several years is the contract clause of paragraph C of Taikang Fortune Life Insurance. Compared with this provision, it is especially clever and convenient to increase the way of receiving funds in whole life insurance.
In addition, there is no time and quota limit for its insurance relief. The only condition for surrender is that the cash value of the policy is not zero, which is more in line with cash flow planning!
Compared with the increase in whole life insurance, Taikang Fortune Life C can better resist the risk of longevity, which is also one of the advantages. After all, it guarantees life annuity insurance, and you can get it as long as you are alive.
However, both annuity insurance and whole life insurance can be called wealth management insurance, which has advantages that other investment and wealth management products do not have.
It should be understood that such a wealth management product with long-term stable compound interest growth will reduce the risk coefficient, but it can also fill the hole caused by the unstable income of other wealth management products.
Speaking of which, senior, I believe most of my friends want to know what an excellent incremental whole life insurance looks like. Don't worry, take a look at this high-profit product:
The patron saint of love life 2.0 is about to stop selling for life, and the income is shocking!
Third, the summary of the senior sister
Generally speaking, Taikang Wealth Life C still provides a lot of security responsibilities, but just looking at its benefits, my sister really can't spit it out, and she has earned more than 10,000 in decades.
Therefore, the senior sister suggested that you must understand the income before you can buy annuity insurance!
If you plan to order financial insurance, you can also focus on whole life insurance!
Write it at the end
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