Taikang Xinxiang Life Insurance is a combined savings and wealth management insurance product consisting of annuity insurance (dividend-sharing) and universal insurance. Taikangxin enjoys life annuity insurance with the following main guarantees:
First of all, the protection is comprehensive.
Policy holder's death/high disability premium exemption+additional serious illness+malignant tumor, ensuring nursing.
Second, fixed returns.
1. Survival allowance: 10% of the basic insurance amount-paid annually after the hesitation period of 59 years old.
2. Pension: 60 -80 years old. The insured amount shall be increased by 5% of the basic insured amount every year, and 10% of the increased insured amount shall be paid.
3. Birthday payment: 80 years old, pay all insurance premiums.
4. Longevity bonus: 8 1 -99 years old, the insured amount will be increased by 5% of the basic insured amount every year, and 10% of the increased insured amount will be paid.
3. Annual dividend: The insurance company distributes 70% of the distributable surplus to the insured every year according to the actual operating conditions.
Universal account: the annual guaranteed interest rate is 2.5%, and there is no handling fee after 3 years.
The life after Xinxiang 15 is collected as follows:
1. Choose one-time payment or continuous payment according to a fixed amount: the former refers to the agreed return of a certain amount of insurance money to a certain year or several years old; The latter refers to the year from which you receive a fixed percentage of the basic insurance amount or the premium paid before.
2. Dividend income. The amount of dividend is not fixed, because the dividend itself is uncertain, how much, whether it is unknown.