1. At present, according to the cash value table of the annual profit policy, the insured chooses to pay within three years, and the cash value obtained in the fifth year is 28,586 yuan; If he chooses to pay after five years, the cash value he can get in the fifth year is 46 1, 7 1 yuan. It is suggested that the insured should not surrender the welfare benefits year by year, because the welfare benefits are dividend insurance year by year. If the insured has been living on the fifth day when the contract comes into effect, Pacific Insurance can pay 40% of the basic insurance amount on the corresponding day when the contract comes into effect every year until the death of the insured or the termination of the contract.
2. The product of "Li Nian" has five advantages: the income exceeds: the rate of return on the first year of insurance coverage is 80%, and then the rate of return on the insurance coverage is 40% until the whole life, which is the highest in the industry; Capital: in the first year, the maximum policy loan can reach 95% of the cash value of the policy; Fast return: the value of the compulsory insurance account is higher than the premium; The premium paid can be refunded at the age of 60, 65 or 70; Asset preservation: truly realize asset isolation and inheritance, realize safe and complete wealth inheritance, and protect your capital.
3. The annual income of Pacific Insurance shall be settled on the last day of each month. On the settlement date, we will determine the settlement interest rate of the current month according to the regulations of the regulatory authorities and the actual investment situation, and announce it within 6 working days from the settlement date. The settlement interest rate shall be the daily interest rate, which shall not be lower than the daily interest rate corresponding to the annual guarantee interest rate agreed in this contract. The interest of the policy account shall be settled at 24:00 on the monthly settlement date or the daily interest rate at the termination of this contract, depending on the interest-bearing days.
4. Principal refers to cash value, generally refers to dividends. Dividends are generally divided into two parts, one is the fixed insurance agreed to customers, and the other is the insurance according to the company's operating conditions. This part of the uncertain insurance is called dividend.
This is a wealth management product with dividends and compound interest. The characteristic of this product is that the principal is always there, the compound interest is increasing month by month, there is a dividend every year, and there is a fixed income every year. In the first year, 95% loans can be issued, with flexible funds and three-year capital preservation.