No, Fortune Xinsheng, as an annuity insurance recently promoted by China Ping An Life Insurance Company of China Insurance Company and a wealth management insurance recently promoted by China Ping An Life Insurance Company of China Insurance Company, is full of sincerity and basically covers the insurance responsibilities, and undertakes the following insurance responsibilities: death insurance, special survival insurance and survival insurance.
The guarantee content of the main body is very good. What is the actual income of this product? Is it worth starting with? Then let's take stock of its specific situation.
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1. What is the coverage of Fortune Xinsheng Annuity?
As before, friends can look at the product protection map, which is specially made by seniors and sisters:
Wealth Xinsheng annuity insurance can be obtained according to the above protection map, and the protection content is still relatively small. Let's take a look at it in detail:
1, special survival insurance
If Fortune Xinsheng Annuity Insurance survives on the 5th and 6th policy anniversaries, the insurance company will pay special survival insurance premium, which is 50% of the annual premium. In this way, the higher the annual premium, the shorter the future payment time and the higher the amount of special survival insurance.
If you don't understand, you can take a look at this case: the male is 30 years old, and the insurance amount is 10000, 10, and the premium is paid in full, and it is 8432 yuan a year. If you are still alive in the fifth and sixth years, you can enjoy the survival insurance premium of 42 16 yuan.
However, if he chooses a five-year payment period, the annual premium will be doubled, that is, 16864 yuan. In the case of limited payment period, he will get 8432 survival insurance money.
2. Survival insurance
From the fifth policy date, if the insured is alive, the annual special survival insurance premium paid by the insurance company will be paid according to 26% of the basic insurance amount. That is to say, a 30-year-old man bought 1000 yuan, so from the fifth anniversary of the policy, he can receive 2600 yuan of survival insurance every year.
3. Death insurance
Death insurance wealth Xinsheng annuity insurance has two different settings: around the anniversary of 20 policies. If you die before the 20th anniversary of the policy, you can choose to pay the paid premium or the cash value is large, and choose to pay the cash value of the policy after 20 years.
In most cases, the growth rate of policy cash value is very low. If you want to make your premium not higher than the cash value, you really need to wait for decades or so. Therefore, it is reasonable for Fortune Xinsheng Annuity Insurance to provide such protection.
2. How much can Wealth Xinsheng Annuity Insurance receive?
The information we can get from the benefit demonstration diagram is that suppose a 30-year-old male is insured with wealth Xinsheng annuity insurance, with the insured amount of 1 10,000, the annual premium of 8,432 yuan and the payment period of 10 year.
At the age of 35, the total income can be 68 16 yuan.
By the age of 4 1, the total welfare received is only 26,632 yuan, which is really not enough compared with the premium of 90,000 yuan.
Some people may be a little confused at this time. If the payment period of 10 is coming to an end, how soon can we get the principal back?
Next, let's calculate this account: (92752-24032)/2600=27!
Will it take so long to get the principal back? What a surprise! It is better to buy stocks or funds in these decades than to buy this, and the income is not as good as to put Yu' ebao or bank wealth management.
Senior sister found a better product, which can get the money quickly and the income is relatively high. The following is for your reference:
Taikang Win Yue Life Annuity Insurance Comprehensive Evaluation!
To sum up, the income of Wealth Xinsheng Annuity Insurance is average, and senior sister really doesn't recommend people who are interested in income to buy this product.
In fact, in addition to wealth Xinsheng annuity insurance, there are many high-yield annuity insurance products on the market. Interested friends can take a look at this excellent annuity insurance ranking, which was personally compiled by senior sister:
Want to buy high-yield annuity insurance? Don't miss this 10 model again!
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