If the annual premium is 6000, deduct 50% of the initial cost in the first year, 6000-3000=3000, and then deduct your safety fee every month (according to age, the safety fee will increase with age. )
Deduct 30% in the second year, 6000- 1800=4200, and then deduct your safety fee every month.
Deduct 25% in the third year, 6000- 1500=4500, and then deduct your safety fee every month.
Deduct 10% in the fourth year, 6000-600=5400, and then deduct your safety fee every month.
Deduct 10% in the fifth year, 6000-600=5400, and then deduct your safety fee every month.
You have paid 30,000 yuan in these five years, leaving 22,500 yuan, not including deducting your security fee every month. After deducting the guarantee fee of about 900 yuan, the remaining 265,438+0,600 will be invested by the insurance company to make money, plus monthly compound interest. Because of the deduction of the upfront cost, Universal generally loses money in the upfront. Therefore, it is not recommended to surrender in the early stage. Generally, the payment can be refunded after 20 years.
After deducting the upfront expenses, the insurance company can invest the remaining money through various channels, and the insurance company also has an expert investment team, so the investment is generally very loss:
1, because insurance companies have a lot of money and assets are usually hundreds of billions, so they can make large deposit interest in the bank, which is definitely much higher than the interest of ordinary people in the bank.
Insurance companies can invest in national infrastructure, such as highways and railways. The profit earned in this respect is not small.
3. Expert investment teams of insurance companies generally have a deeper understanding of the market than ordinary people, and the probability of investment losses is generally much smaller.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.