People spend all their spare money on wealth management products and stock trading. However, because of the outbreak of the epidemic, the stock market fell and financial losses, people were very scared, but it was also very common. There is no way. Where do you think our money is most secure? This annuity insurance product can book an interest rate of 4.025% without any risk and become a beacon of financial management.
Senior sister recommended Taikang Fortune Life C, which is very popular recently. This product has attracted many buyers through the slogan of "Pay for a while, get a lifetime". So, Senior Sister, let's take a look at the benefits of this product today. Is it really that good?
Before reading the following, you can compare other high-quality annuity insurance and analyze its specific advantages: "This 10 high-yield annuity insurance has been missed again! 》
Next, start to explain today's key content and take notes!
First, Taikang Wealth Life C benefits announced!
Business as usual, Xue Xuechang listed the first product diagram of Taikang Fortune Life C:
Is the income of Taikang Fortune Life C significant?
Take "30-year-old Lao Li insured Taikang Fortune Life C with an annual payment of 1 0,000 yuan and an insured amount of 8,350 yuan for five years" as an example. Let's pick up paper and pen and work it out together!
1, survival insurance
People under the age of 60 can receive Taikang Fortune Life C survival insurance once a year, and receive 10% of the insured amount; For people over 60 years old, the annual survival insurance premium is 20% of the insured amount.
In this way, when Lao Li is under 60 years old, the annual survival insurance premium he can receive is 10%, that is, 8350* 10%=835 yuan; Once Lao Li is over 60 years old, he can enjoy the survival insurance of 20% of the insured amount every year, converted into 1670 yuan.
Taikang Wealth Life C is life annuity insurance, which means that the longer you live, the more money you can get!
2. Continuous insurance premium
For the continuous premium, Taikang Fortune Life C is collected according to 2% of the annual premium, and the number of times of collection is calculated according to the number of years that the insured chooses to pay, and it can be collected three times in three years!
But senior must let you know that if we choose to pay in batches, we can't receive continuous insurance money.
In the case of Lao Li, if you pay 654.38+00000 yuan a year and choose to pay it in five years, although Lao Lian can only get 654.38+0000 yuan after five years, although there is not much continuous insurance money in one year, only 200 yuan.
In this way, the longer the payment time, the more continuous insurance money you can get!
3. Special survival insurance
Taikang Fortune Life Insurance C special survival insurance is collected from the fifth policy anniversary date, and 50% of the premium is charged. The collection times are limited and only once ~
If some friends pay the premium in one lump sum, it is impossible to enjoy special survival insurance!
Lao Li's premium has accumulated for five years, totaling 50,000 yuan, and he can get 25,000 yuan from the fifth anniversary of the policy.
Now it's time to consider how much compensation old Li Can can get under the above three circumstances.
① Renewal premium: 1 ten thousand x2%x5 years = 1 ten thousand yuan;
② Special survival fund: 1, 000 x 50% = 5000 yuan;
③ Survival allowance (35-59 years old): 8350 yuan x 10%x25 years =20875 yuan;
④ Survival allowance (60-80 years old): 8350 yuan x20%x2 1 year =35070 yuan;
That is to say, Lao Li * * * received 6 1945 yuan, and after deducting 50,000 yuan of premium, he finally earned 1 1945 yuan.
But if you want to pay in one lump sum, you can. You can get all the survival insurance money at one time, and its amount is equivalent to 3.6 times of the insurance amount.
It doesn't matter which payment method you choose, this benefit is definitely not enough!
If you don't believe me, let's take a look at the insurance experts:
Is there only so much real income from Taikang Wealth Life C? 》
Fortunately, the product has been discontinued! The key reason for Senior Sister's evaluation of this product is that it is suggested that if you encounter this low-yield product in the future, you should leave quickly.
If you don't believe me, then you can compare Taikang Fortune Life C and whole life insurance to see what the difference is.
2. What's the difference between Taikang Fortune Life C and whole life insurance?
Whole life insurance's insurance coverage can be increased continuously, and death protection can be provided to realize wealth inheritance.
Moreover, the increased whole life insurance can not only recover funds quickly, but also access funds conveniently. So it is called a cash flow planning tool, and everyone who has bought it thinks so.
Then, compared with paragraph C of Taikang Fortune Life Insurance, what is the increase of whole life insurance and what are its comparative advantages?
Its advantage lies not only in more flexible fund collection, but also in good investment liquidity.
Compared with the fixed annuity after several years stipulated in Taikang Fortune Life C's contract, whole life insurance's fund collection method is very convenient and flexible.
In addition, its insurance relief does not require specific time and quota. If the cash value of the policy is not 0, it can be reduced at any time, which can play a more important role in cash flow planning!
Compared with whole life insurance, Taikang Fortune Life C has the advantage that it can effectively resist the risks brought by longevity. After all, the advantage of life annuity insurance lies in how long you live.
However, both annuity insurance and incremental whole life insurance are wealth management insurance, and many of their advantages are not available in other investment and wealth management products on the market.
What needs to be clear is that this long-term and stable compound interest growth wealth management product not only reduces the risk coefficient, but also balances the income uncertainty of other wealth management products.
Senior sister sharing here, there must be most partners interested in what whole life insurance looks like. Don't worry, you can look at this high-profit product first:
This is the real income of whole life insurance, the patron saint of Ai Xin Life 2.0? ! 》
Third, the summary of the senior sister
Generally speaking, Taikang Wealth Life C still provides a lot of security responsibilities, but looking at this income, the senior sister really has nothing to say, and it will take decades to earn more than 10,000 yuan.
Therefore, the senior sister suggested that you must understand the income before you can buy annuity insurance!
If you are going to buy wealth management insurance, you can also pay attention to the increase in whole life insurance!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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