There is also an annual dividend based on the company's income, but the dividend is uncertain. At the age of 60, all the premiums you paid will be returned to you as a birthday bonus. These three gold deposits are transferred to the additional universal account, with daily interest and monthly compound interest, with a cumulative compound interest of 12 times a year.
The guaranteed income of this universal account is 3.5%, which is written in the contract. Today, PICC has maintained an annual rate of return of 6% for 24 consecutive years. It is a good financial product.
Extended data:
Introduction of the latest wealth management products of PICC "Xinxiang Supreme";
Guaranteed age: 0-57 years old
Warranty period: life.
Hesitation period: 15 days
Time to market: August 8-14?
Protect what:
1, survival fund: life annuity after payment.
After the end of the hesitation period, the customer can immediately receive the survival allowance at 30% of the basic insurance amount until the age of 60; After the age of 60, he will continue to receive an annuity at 20% of the basic insurance amount every year until his life. The longer I live, the more I get.
2. Caring for birthday money: at the age of 60, the premium paid as birthday money will be returned.
3. Annual dividend: Enjoy the operating profits of the world's top 500 state-owned enterprises every year, participate in dividends, and the income will be icing on the cake.
4. Death protection: if you die before the age of 60, return the greater of the premium paid and the cash value; If he dies after the age of 60, the cash value+gold account value will be returned.
5. Flexible turnover of high-value loans: the loan is as high as 95% of the present value. At the same time, the general account of additional quality gold can be withdrawn freely, and the double account can be turned around.
6. Fission appreciation of universal account: during the insurance period, if annuities, dividends and birthday gifts are not collected, they can enter the universal account, and the guaranteed interest rate is 3.5%, and the upper limit is not capped (at present, the income has been maintained at 6% for 23 consecutive months).
7. The insured may attach the insurance premium for total disability after death:
If the insured dies or is completely disabled due to illness within 180 days, the premium paid will be refunded and the supplementary contract will be terminated.
If the insured dies or is totally disabled due to accident or illness after 180 days, the remaining unpaid premium will be exempted.
China People's Life Insurance Company-Xinxiang Supreme Annuity Insurance