The financial market was stable before the outbreak, but the situation was not optimistic after the outbreak. If money can make money, where do you think it is best to put it? This annuity insurance product can book an interest rate of 4.025% without any risk and become a beacon of financial management.
Previously, there was a very popular annuity insurance product-Wealth Life C, which attracted many people's attention under the slogan of "Pay for a while and get money for a lifetime". Sister Xue will give you an evaluation today. What is the revenue of this product?
Before that, let's compare other good annuity insurance products and analyze its advantages: Want to buy high-yield annuity insurance? Don't miss this 10 model again!
Let's begin to explain today's key content, and remember to take notes!
First, Taikang Wealth Life C benefits announced!
As usual, the senior first moved out of the product map of Taikang Fortune Life C:
Next, we will understand what Taikang Wealth Life C can guarantee. Is the specific income very gratifying?
Take "30-year-old Lao Li insured Taikang Fortune Life C with an annual payment of 1 0,000 yuan and an insured amount of 8,350 yuan for five years" as an example. Let's pick up paper and pen and work it out together!
1, survival insurance
Before the age of 60, you can receive 10% of the basic guarantee amount once a year; After reaching the age of 60, you can receive 20% of the basic insurance amount every year.
Then, before the age of 60, the old man receives 8350* 10%=835 yuan a year; Lao Li can get 1670 yuan every year after he is 60 years old.
Taikang Wealth Life C is life annuity insurance, which means that the longer you live, the more money you get!
2. Continuous insurance premium
The continuous insurance premium given by Taikang Fortune Life Insurance Section C is 2% of the annual premium. For example, if the insured chooses to pay for 3 years, he can get 3 times, and so on!
However, senior sister wants to tell you that if you choose to pay in batches, you will not be able to receive continuous insurance premiums.
You can refer to Lao Li's example and choose to pay a five-year premium, with an annual premium of 1 1,000 yuan. Then the continuous insurance premium of old Li Can is 200 yuan for one year and 1 1,000 yuan for five years.
In that case, the amount of continuous insurance is directly proportional to the payment period!
3. Special survival insurance
Taikang Fortune Life's C-type special survival insurance premium is collected from the fifth policy anniversary date, and 50% of the premium is collected, and it can only be collected once ~
If the partner chooses to have sex to pay the premium, then he won't get the special survival insurance!
Lao Li has spent 50,000 yuan on insurance premiums, with a cumulative time of 5 years, and can get 25,000 yuan from the fifth year of the policy.
Now it's time to consider how much compensation old Li Can can get under the above three circumstances.
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.
If you prefer to receive it in one lump sum, you can also make this arrangement, that is to say, you can receive the survival insurance money in one lump sum, and the amount is equal to 3.6 times the insured amount.
No matter which payment method you choose in the end, it is obviously not enough for these benefits!
However, fortunately, this product has been discontinued at present! But the main reason for Senior Sister to analyze this product is to let you know that if you encounter a product with such low income, it is recommended to stay away.
If not, then we can compare Taikang Fortune Life C and whole life insurance, and analyze the differences between them.
2. What's the difference between Taikang Fortune Life C and whole life insurance?
The insurance coverage of the increased whole life insurance can be continuously increased, which can provide death protection and realize wealth inheritance.
Friends who are interested in adding whole life insurance, click here:
Who's whole life insurance? Is it worth starting with?
There are also two advantages about the increased life span: first, the funds can be withdrawn quickly, and second, the funds can be accessed flexibly. So it is called a cash flow planning tool, and everyone who has bought it thinks so.
How does whole life insurance compare with Taikang Fortune Life C? What are the outstanding aspects?
Its advantage lies not only in more flexible fund collection, but also in good investment liquidity.
Compared with the C contract of Taikang Fortune Life Insurance, which stipulates that the annuity will be received regularly after several years, the convenience of receiving funds is a big advantage for whole life insurance to increase the amount of funds received.
And its insurance relief is not limited by time and amount. If the cash value of the policy is not 0, it can be reduced at any time, which is more in line with cash flow planning!
Compared with whole life insurance, Taikang Fortune Life C has the advantage that it can effectively resist the risks brought by longevity. After all, it guarantees life annuity insurance, and you can get it as long as you are alive.
But both annuity insurance and whole life insurance can be called wealth management insurance, which has special advantages compared with other investment and wealth management products.
In fact, this wealth management product with long-term stable compound interest growth can not only reduce the risk coefficient, but also reduce the unstable income loss brought by other wealth management products.
Speaking of which, senior, I believe most of my friends want to know what an excellent incremental whole life insurance looks like. Don't worry, let's take a look at this highly profitable product first:
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
Generally speaking, Taikang Wealth Life C still provides a lot of security responsibilities, but the senior sister really dare not praise this kind of income, and it will only be more than 10,000 after several decades.
Therefore, senior sister suggested that everyone must calculate the income before starting annuity insurance!
If the goal is to buy wealth management insurance, you can also focus on the increased whole life insurance!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!