To tell the truth, whole life insurance of Ding Feng 1 is so confused that many people pay attention to its "4% compound interest growth".
However, it should be noted that 4% compound interest growth does not mean that the rate of return is 4% compound interest growth, but that the insured amount is compound interest growth.
The senior has taught you the calculation of whole life insurance's increasing rate of return before. If you don't know much, you can read this article: "How to calculate the increased whole life insurance rate of return?" 》
At the same time, not only the yield is fishy, but also the guarantee content of Ding Feng 1 whole life insurance is not very good. Let the senior explain it to you one by one.
I. Analysis of Ding Feng 1 whole life insurance Security Content
Ding Feng 1 whole life insurance's guarantee content is actually quite simple, except for a death guarantee, which is clearly written in the figure:
Ding Feng 1 whole life insurance Safeguard Map
Compared with similar products, the advantages and disadvantages of Ding Feng 1 whole life insurance are obvious.
Advantages:
1, high underwriting age
Ding Feng 1 whole life insurance sets the underwriting age at 0-75 years old, while similar products are mostly required to be around 60-65 years old.
For the elderly who are nearly 60 years old and are about to retire and have spare money in their hands, Ding Feng 1 whole life insurance is very suitable and excellent if they pursue a fixed income without too much risk.
2. The payment term is flexible.
Dingfenghao 1 whole life insurance has a flexible payment period, and there are six kinds of payment, and the longest payment period can reach 15. We can choose the payment period according to our favorite investment method.
Suppose you think that the annual payment process is not simple, then you can pay in one lump sum (wholesale payment); Suppose you don't have much liquidity in your hand, but you want to get high returns as much as possible, then you can choose long-term payment, which is equivalent to lengthening the investment timeline and getting very good returns in the future.
For example, Lao Wang's card has 200,000 yuan, and he uses wholesale payment. Lao Li only has100000, and wants to invest more money. In the case of insufficient funds, he can choose to pay 50 thousand a year, which is also 250 thousand.
In this way, both of them can get a lot of income in the later stage, and the rate of return is also relatively good.
Next, let's look at the shortcomings of Ding Feng 1. If you are eager to know more detailed evaluation contents, you can read this article first: "Ding Feng 1 whole life insurance 4% compound interest growth? Really? 》
Disadvantages:
1, insurance cannot be added.
The so-called increase in insurance is to increase the amount of insurance. When most people buy insurance, because everyone's budget is relatively low, they can only choose the minimum amount. So most people want to improve their ability to resist risks by increasing the amount of insurance.
However, if you want to increase the insurance coverage after paying the whole life insurance number 1, this type of insurance is not supported. The type of insurance selected at the time of insurance has been determined and cannot be changed afterwards. Even if you have money in the future, you can't increase the insurance coverage, and some of them are not satisfactory.
2. Slow recovery speed
Let's pay attention to wholesale payment first (for example, paying 654.38+ ten thousand yuan). By the end of the first year of wholesale payment, the current price will reach 20% of the premium paid, and it will take 7 years for the cash value to exceed the premium.
If you want to pay back the principal, you have to pay it back in the eighth year, because whether it is five years or eight years, you have to pay back the principal at this time (that is, the cash value is greater than the premium). If you are interested in short-term investment, it is not recommended to refer to whole life insurance 1 Ding Feng.
In addition to the above two points, Ding Feng 1 whole life insurance still has some defects to pay attention to:
Dingcheng Life Insurance "Ding Feng 1 whole life insurance" compound interest growth rate of 4%? Don't be stupid enough to believe it!
However, when buying financial insurance, we should focus on how much income we can get. If the yield of Ding Feng 1 whole life insurance is high, we can omit the shortcomings listed above.
Let's analyze the yield of Ding Feng 1 whole life insurance.
Second, Ding Feng 1 whole life insurance rate of return calculation
We use a case of a 30-year-old male who paid for three years and paid 654.38+10,000 yuan annually to illustrate and calculate the IRR of Ding Feng 1 whole life insurance, as shown in the figure below:
Ding Feng whole life insurance yield 1
It can be understood that if the total * * * wants to get the insurance premium of 16 1600 yuan, this person can only surrender at the age of 80, and the internal rate of return is as high as 3.49%, which is still considerable.
However, this rate of return of Ding Feng 1 whole life insurance can only be said to be higher than the last one, and it needs to be strengthened compared with those real high-yield products.
For example, products such as dating years and happy years have high yields. If you want to know what other wealth management insurance with higher returns, you can take a look at my summary 10: "Want to buy high-yield annuity insurance? Don't miss this 10 model! 》
In a word, Ding Feng 1 whole life insurance has a good cost performance. Do you think it is almost impossible to guarantee the content under the condition of objective income?
The choice of high-income people is more inclined to dare to invest. I recommend annuity insurance with 10, and the yield is relatively high. You can consider them.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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