Case1:the best savings plan for 0 years old, the wealth win plan.
Mr. Zhang works in Shenzhen CNOOC, and his child has just been born. He wanted to save some money for his children since he was a child, which can pave the way for his later life.
According to this situation, I designed the latest product of Zhang Taikang Life Insurance-Fortune Win Plan (Fortune Life E Dividend Type). As the beneficiary of this plan's survival fund is the insured, in this case, Mr. Zhang Can, while helping children plan their future life, also flexibly controls their future use of this fund, so that children will not spend money indiscriminately.
Payment method: 10 Annual premium: 20,000 yuan.
The basic interests of insurance:
1), survival allowance: from the second year of payment-59 years old, receive 3 126 yuan every year;
From the age of 60, he will receive 6252 yuan every year until he is 105 (fixed).
2) Renewal: During the payment period, you can receive 400 yuan every year and receive it in 9 times; (Fixed collection)
3) Special payment: during the payment period, you can receive RMB 65,438+00,000 every five years, * * * twice (fixed payment).
4) Dividend: 70% of the disposable surplus is distributed every year according to the operating conditions of the insurance company.
5) If the above items 1-4 are not collected in the current year, they will automatically enter the monthly compound interest account for monthly compound interest, with the interest of 12 times a year.
(The guaranteed interest rate is 2.5% after five years, the lowest interest rate is 1.75% after five years, and the current interest rate is 4.45%)
6) Premium exemption: Mr. Zhang will be exempted from the remaining unpaid premium due to his high disability or death due to an accident.
7) Policy loan: Policy loan can be made according to the cash value of the policy to solve the emergency fund problem.
Collection method:
According to the interest-bearing intermediate interest of the monthly compound interest account, the collection scheme is as follows, or you can plan your own collection scheme.
Education grant: 18-2 1 year, 40,000 yuan per year, 40,000 *4 years =160,000.
Wedding money: 28 years old, 654.38+ 10,000 yuan.
Old-age pension: 50,000 per year when you are 6 1-90 years old, 50,000 *30 years = 1.5 million.
Donation: There are still 570,000 in the 90-year-old account, which can be given back to the society and left to future generations.
After 90 years old, you can still receive 6252 yuan every year until you are 105 years old.
The above * * * received 2.33 million yuan.
Case 2: 28-year-old compulsory savings, wealth creation plan
Miss Yang, 28 years old, is a white-collar worker with an average monthly income of 9000 yuan.
Customer needs: Miss Yang, single, with complete social security and superior welfare. He is an ordinary employee of a multinational company in Shenzhen. A few days after the monthly salary was paid, it was almost spent. I like to buy clothes and cosmetics, and I am a moonlight family almost every month.
Payment method: 10 annual premium: 1 10,000 yuan.
The basic interests of insurance:
1), survival allowance: from the second year of payment-59 years old, receive 1559 yuan every year;
From the age of 60, he will receive RMB 365,438+065,438+08 every year until his life is 65,438+005 (fixed payment).
2) Renewal: During the payment period, you can receive 200 yuan every year and receive it in 9 times; (Fixed collection)
3) Special payment: within the payment period, you can receive 5000 yuan every five years, * * * twice (fixed payment).
4) Dividend: 70% of the disposable surplus is distributed every year according to the operating conditions of the insurance company. (There is uncertainty)
5) If the above items 1-4 are not collected in the current year, they will automatically enter the monthly compound interest account for monthly compound interest, with the interest of 12 times a year.
(The guaranteed interest rate is 2.5% after five years, the lowest interest rate is 1.75% after five years, and the current interest rate is 4.45%)
6) Premium exemption: Miss Yang will be exempted from the remaining unpaid premium due to her accidental high disability.
7) Policy loan: Policy loan can be made according to the cash value of the policy to solve the emergency fund problem.
Collection method:
According to the interest-bearing intermediate interest of the monthly compound interest account, the collection scheme is as follows, or you can plan your own collection scheme.
Resettlement fee: 46-50 years old receives 20,000 yuan per year, 20,000 *5 years = 654.38+ 10,000.
Pension allowance: 1-90 years old receives 1 10,000 yuan every year, and * * * receives 300,000 yuan.
After 90 years old, you can still receive 3 1 18 yuan+bonus every year until you are 105 years old.
Case 3: 40-year-old family assets inheritance arrangement, wealth win-win plan
Mr. Zhang, aged 40, is an entrepreneur with an average monthly income of 200,000.
Mr. Zhang, a private entrepreneur, wants to find a safe way considering the future capital preservation, tax evasion and family fortune inheritance.
It is suggested to choose the "Wealth Win" wealth inheritance plan.
Deposit 200,000 10 every year to gradually transform 2 million assets into tax-free assets passed down by the family.
With the help of excellent investment of Taikang assets, the funds in Wealth Zunying account will bring you safe, steady and lifelong asset appreciation while avoiding tax collection and debt disputes.
At the age of 70, the account was worth 4.8 million.
At the age of 80, the account was worth 8.5 million.
At the age of 90, the account value is 654.38+042.7 million.
At the age of 100, …
Mr. Zhang need not worry about the inheritance of his assets. Whenever he leaves, these assets will be safely transferred to the family beneficiaries, and they are tax-free and debt-free.
Mr. Zhang Can used and spent the remaining funds to his heart's content.
Second, a brief introduction to wealth.
"Wealth Winning" is an innovative financial management plan, which combines the advantages of dividend insurance and universal insurance, and realizes the perfect combination of guaranteed income and investment income through monthly compound interest of double accounts.
Main realization:
I am the owner of my own wealth and can change the insured in time;
Separate the enterprise's money from its own;
Separate the present money from the future money;
Separate the money when you are proud from the money when you are frustrated;
Separate one's own money from that of future generations;
Wealth can not only realize the basic education and financial planning for the aged, but also attach major diseases, term life insurance, accident insurance, accidental medical care, serious illness medical care, and serious illness medical care for children to truly achieve comprehensive protection.
Third, the green channel card for medical treatment for major diseases
Special note: in August 13, 1- 10/3 1 2065438, you will pay more than 5,000 yuan per year for purchasing products, and you will be given a free green pass for medical treatment for major diseases.
During the insurance period, for 40 kinds of major diseases specified in the service, you only need to provide Taikang Life Insurance with the medical green card number, and you can arrange the attending doctors of more than 300 well-known hospitals in China to provide the following services.
1) Expert diagnosis: Taikang Life Insurance staff accompanied him to the selected well-known doctor for disease diagnosis, avoiding queuing for registration.
2) Expert Ward: Arrange to stay in the expert ward to solve the worries of treatment.
3) Expert operation: the expert will operate it himself.
4)? Cost compensation: it feels good to reimburse the current transportation and accommodation expenses (the limit is 5,000 yuan, and the provincial limit is 2,000 yuan). Please trust me privately. Let me explain it to you in detail.