I have to say that the Ding Feng 1 whole life insurance is really attractive, and many people are eager to move because of its "4% compound interest growth".
However, it should be noted that the compound interest growth of 4% refers to the compound interest growth of insurance coverage, not the compound interest growth of 4% yield.
The senior has taught you the calculation of whole life insurance's increasing rate of return before. If you don't know much, you can read this article: "How to calculate the increased whole life insurance rate of return?" 》
In addition to the rate of return, the guarantee content of Ding Feng 1 whole life insurance is not very good. Let's analyze it in detail.
I. Analysis of Ding Feng 1 whole life insurance Security Content
The coverage of Ding Feng 1 whole life insurance is not too much, just a death protection, and the details are all in the picture:
Compared with similar products, Ding Feng 1 whole life insurance has obvious advantages and disadvantages.
Advantages:
1, high underwriting age
Compared with whole life insurance, which is generally limited to 60-65 years old in the market, Ding Feng 1 whole life insurance requires 0-75 years old, which is more friendly to the elderly.
For these elderly people who have reached retirement age at the age of 60 and still have disposable funds, if the planned insurance income is stable and the risk is not high, it is still very good to insure Ding Feng 1 whole life insurance.
2. The payment term is flexible.
Whole life insurance Ding Feng 1 provides you with six payment cycles for you to choose from. The longest payment period is 15. We can choose the payment period according to our own investment methods.
If you don't want to pay every year, you can choose a one-time payment (wholesale payment); Suppose you don't have much liquidity in your hand, but you want to get high returns as much as possible, then you can consider choosing long-term payment, which means that the investment timeline is lengthened, and you will benefit a lot later.
For example, Lao Wang paid off 200,000 yuan in his hand at one time. Lao Li only has 65,438+million yuan, but he wants to invest more money but has no extra money. He can choose to short, for example, pay 50,000 yuan in five years and 250,000 yuan a year.
In this way, the income of the two people in the later period is very high, and the rate of return is also considerable.
Next, let's look at the shortcomings of Ding Feng 1. If you are eager to know more detailed evaluation contents, you can read this article first: "Ding Feng 1 whole life insurance 4% compound interest growth? Really? 》
Disadvantages:
1, insurance cannot be added.
Adding insurance means increasing the insured amount. When most people buy insurance, they can only choose the minimum amount because of insufficient budget. Therefore, everyone wants to increase the insurance coverage when it is relatively loose, so that the ability to resist risks will be improved.
However, whole life insurance Ding Feng 1 cannot be insured, and your insured amount is your final insured amount. Even if you have money in the future, the amount of insurance will not change, and the flexibility is not great.
2. Slow recovery speed
If you choose wholesale delivery, for example, if you pay 65,438+million yuan, the cash value in the first year of wholesale delivery is 20% of the premium, and it takes 7 years for the cash value to be higher than the premium.
Whether it is five years or eight years, it is about the eighth year. If you are interested in short-term investment, it is not recommended to refer to whole life insurance 1 Ding Feng.
However, when we buy wealth management insurance, we mainly look at the income. If Ding Feng 1 whole life insurance is profitable, its defects are acceptable.
How much profit did Ding Feng 1 whole life insurance provide? Let's analyze it.
Second, Ding Feng 1 whole life insurance rate of return calculation
We use the example of a 30-year-old male who paid for 3 years and paid 654.38+10,000 yuan annually to illustrate whether the IRR of Ding Feng 1 whole life insurance is high or low. The figure clearly shows that:
It can be found that if you surrender at the age of 80, the total amount you can get is 16 1600 yuan, and the internal rate of return is 3.49%, which is quite good.
The yield of whole life insurance of Dante Bong 1 can only be considered above average, and it still has some shortcomings compared with those products with real considerable income.
For example, products such as dating years and happy years have high yields. If you want to know what other wealth management insurance with higher returns, you can take a look at my summary 10: "Want to buy high-yield annuity insurance? Don't miss this 10 model! 》
To sum up, Ding Feng 1 whole life insurance has a good cost performance.
If you are a person who pursues low-risk and stable income, you can consider it; If you are a high-income group, you can take a look at the 10 annuity insurance recommended by me above, and the yield is higher.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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