Before the outbreak of the epidemic, people would still use their spare money to manage their finances. After the outbreak of the epidemic, economic losses have stopped people. Where do you think our money is most secure? Now, this risk-free annuity insurance product with a predetermined interest rate of 4.025% has obviously become the darling of financial management.
Fortune Life C is the hottest product recently. This product has attracted many buyers through the slogan of "Pay for a while, get a lifetime". Today, Sister Xue will analyze the benefits of this product.
Before reading the following, you can compare it with other annuity insurance products and explore its advantages: Want to buy high-yield annuity insurance? Don't miss this 10 model again!
Then we will begin to explain today's key core, remember to take notes!
First, Taikang Wealth Life C benefits announced!
Similarly, the senior will take out the product map of Taikang Fortune Life C first:
Then, let's analyze what guarantees Taikang Fortune Life C can provide. Is the specific income very gratifying?
Senior, the following information shows that "30-year-old Lao Li insured Taikang Fortune Life C with an annual payment of 1 1,000 yuan, with an insured amount of 8,350 yuan for five years". Let's pick up a pen and paper and work it out together!
1, survival insurance
Before the age of 60, the survival insurance premium of Taikang Fortune Life C 10% refers to once a year; After reaching the age of 60, you can receive 20% of the insured amount every year.
Then, old Li Can gets 10% survival insurance every year before he is 60 years old, that is, 8350* 10%=835 yuan; After Lao Li is 60 years old, the annual survival insurance premium reaches 20%, which is 1670 yuan.
Taikang Wealth Life C This product is not only an annuity insurance, but also can protect consumers' life, that is to say, the longer they live, the more money they can get!
2. Continuous premium
For continuous premium, Taikang Fortune Life C pays 2% of the annual premium, and the number of times of collection is calculated according to the payment period selected by the insured, and it can be collected three times in three years!
However, senior sister wants to give you a piece of advice. If you choose to pay in bulk, you will not be able to receive continuous insurance.
According to Lao Li's case, the annual premium is 1 1,000 yuan. If you choose to pay in five years, Lao Li will get 200 yuan in one year and 1 000 yuan in five years.
In this way, the longer the payment time, the more continuous insurance money you can get!
3. Special survival insurance
To receive Taikang Fortune Life C special survival insurance, you only need to receive 50% of the premium once after the fifth anniversary of the policy ~
In case your friend's premium is a sexual intercourse, then you won't get the special survival insurance!
Lao Li's premium has accumulated for five years, totaling 50,000 yuan, so he can get 25,000 yuan after the fifth policy anniversary.
So, do you know how much compensation old Li Can got from these three security responsibilities?
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 collect it at one time, you can do it. You can receive a one-time survival insurance, the amount is equal to 3.6 times the insured amount.
It doesn't matter which way you choose to get it. These benefits alone are not enough!
However, fortunately, this product has been discontinued at present! However, the key reason for senior sister to evaluate this product is to suggest you. Assuming that everyone encounters products with such low returns, it is recommended to stay away.
If it is not clear, then we 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 continuously increased, which may provide death protection and realize wealth inheritance.
Poke here to teach you a deeper understanding of the increase whole life insurance:
Can you manage your finances and protect your capital? Is it worthwhile to increase whole life insurance?
In addition, the increased life also has the characteristics of quick withdrawal of funds and flexible access to funds, and cash flow planning tools have become the unchanged view of all buyers.
Then, compared with Taikang Fortune Life C, how about adding whole life insurance? What is the comparative advantage?
Its good performance is due to its flexible fund collection and good investment liquidity.
Compared with paragraph C of Taikang Fortune Life Insurance, the contract stipulates that the annuity will be received regularly after several years, so it will be more dexterous and convenient for whole life insurance to receive additional funds.
In addition, it does not need to consider time or quota when reducing insurance. As long as the cash value of the policy is not 0, it can be reduced at any time, which is better for cash flow planning!
Compared with the increase of whole life insurance, Taikang Wealth Life C has its advantages. After all, for annuity insurance that can be guaranteed for life, you can always receive it while you are alive.
Here, I would like to remind you that annuity insurance, like incremental whole life insurance, as a wealth management insurance, will have more advantages than other investment and wealth management products.
What needs to be clear is that this wealth management product with long-term stable compound interest growth has one advantage of reducing the risk coefficient, and another advantage is that it can fill the pit caused by the uncertainty of income of other wealth management products as much as possible.
At this point, I believe many friends want to know what an excellent incremental whole life insurance looks like. Don't worry, take a look at this high-profit product:
The patron saint of love life 2.0 is about to stop selling for life, and the income is shocking!
Third, the summary of the senior sister
To sum up, Taikang Wealth Life C's guarantee responsibility is relatively comprehensive, but the senior sister really dare not praise this kind of income, and it will take decades to earn more than 10,000 yuan.
Therefore, senior sister suggested that when buying annuity insurance, you must calculate your income before you start!
If you plan to place an order for financial 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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