On the basis of 4.025% predetermined interest rate pricing, "Xinyue No.1" has four characteristics of "quick return, annual return, double return and full return", which provides the insured with continuous and stable cash flow with certain income during the insurance period. As early as 10 days after the policy is underwritten, the insured can receive the first payment of 10% of the basic insurance amount, and thereafter, before the insured reaches the age of 65, he can receive the survival insurance amount of 10% of the basic insurance amount every year; After the age of 65, the proportion of recipients will double and jump directly to 20% of the basic insurance amount until the age of 88; When the customer reaches the age of 88, he can also get a birthday bonus equivalent to all the premiums paid. For customers, they also enjoy death protection, that is, no matter whether the customer lives to 88 years old or dies in the middle, at least all the premiums paid will be returned.
In order to maximize the capital income for customers as much as possible, customers can also insure universal products designated by the company on the basis of purchasing "Xinyue No.1", and can automatically transfer the survival fund and maturity insurance fund of "Xinyue No.1" into universal insurance account, so as to further obtain floating value-added income with guaranteed settlement rate above 2.5% on the basis of existing fixed income, and it is a way of daily interest and monthly compound interest.
In addition, if the customer needs a policy loan, the loan amount can be up to 90% of the sum of the net cash value of the "Xinyue I" policy and the net account value of the universal account.