Then Senior Sister recommended the recently popular Wealth Life C, which attracted many buyers through the slogan of "Pay for a while, get a lifetime". Senior sister will give you an evaluation today. What is the revenue of this product?
Let's do such a thing first. Let's compare the annuity insurance with good reputation in the market and understand its advantages:
Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Then let's talk about today's main points, remember to take notes carefully!
First, Taikang Wealth Life C benefits announced!
As usual, the senior first moved out of the product map of Taikang Fortune Life C:
Next, let's analyze what guarantees Taikang Wealth Life C has. Is the income high?
Senior, according to the example of "30-year-old Lao Li insured Taikang Fortune Life C, with an annual payment of 1 0,000 yuan and a five-year insurance coverage of 8350 yuan", let's get a pen and paper and work it out together!
1, survival insurance
Taikang Wealth Life Insurance C survival insurance premium, which meets the requirements of under 60 years old, is paid once a year, with the insured amount of 10%; After the age of 60, you will receive 20% insurance coverage 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 is life annuity insurance, which means that the longer you live, the more money you get!
2. Continuous insurance premium
The continuous insurance premium of Taikang Fortune Life C is paid at the rate of 2%. If the insured chooses to pay the fee for three years, he can collect it in three times, and so on!
However, senior can give you a suggestion. If you choose wholesale delivery, you won't get the continuous insurance money.
According to Lao Li's case, the annual premium is 1 1,000 yuan. If you choose to pay once every five years, the annual continuous insurance premium for old Li Can is 200 yuan. After paying for five years, the total premium is 1 1,000 yuan.
After reviewing and summarizing, it can be explained that the length of the payment period determines how much continuous insurance money you can get!
3. Special survival insurance
Special survival insurance, Taikang Fortune Life C starts to collect on the fifth policy anniversary, and can get 50% of the premium, and the collection times are only once ~
If some friends pay the premium in one lump sum, they are not eligible for special survival insurance!
Lao Li paid a total of 50,000 premiums in five years, so he will receive 25,000 yuan after the fifth policy anniversary.
Based on the above three guarantees, how much can the insurance company collect for Lao Li?
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 plan to collect it at one time, it is also possible. If you want to receive the survival insurance directly in one lump sum, the amount is equal to 3.6 times the insured amount.
But no matter what kind of collection method, this income is obviously not enough!
If you don't believe me, let's take a look at what the insurance experts say: Is there only so much real income from wealth life C? 》
But fortunately, this product is no longer sold! Then the key reason for senior sister to evaluate this product is to suggest that if she encounters this low-yield product in the future, she should leave quickly.
For Taikang Fortune Life C and whole life insurance, it is clear at a glance. Let's look at the differences between them.
2. What's the difference between Taikang Fortune Life C and whole life insurance?
As for the increase of insurance coverage in whole life insurance, it can continue to increase, which plays an important role in providing death protection and realizing wealth inheritance.
In addition, the increased life not only has the characteristics of quick return on funds, but also has flexible access to funds, so it is called a cash flow planning tool.
So, what advantages does whole life insurance have over Taikang Fortune Life C?
Its advantage lies in more flexible fund collection and better investment liquidity.
Compared with paragraph C of Taikang Fortune Life Insurance, it is more convenient and flexible to receive an annuity regularly after several years.
Moreover, there is no time and quota requirement for its insurance relief. As long as the cash value of the policy is not 0, the reduction of insurance does not require other conditions, and it is more suitable for cash flow planning.
Compared with the increase in whole life insurance, the advantage of Taikang Fortune Life C is that it can effectively resist the risks brought by longevity. After all, life-long annuity insurance is characterized by how long you live.
However, annuity insurance and incremental whole life insurance are both wealth management insurance, which will have more advantages than other investment and wealth management products.
We should know that this wealth management product with long-term stable compound interest growth can not only reduce the risk coefficient, but also neutralize the income instability of other wealth management products.
Senior analysis here, there must be most of my friends are very eager to know how whole life insurance Youzeng is doing.
Don't be too impatient, let's explore this high-yield product first: "The real income of Patron Guardian 2.0 for life shocked me!" 》
Third, the summary of the senior sister
To sum up, Taikang Wealth Life C's guarantee responsibility is still relatively comprehensive, but looking at this income, seniors really have nothing to say, and it will cost more than 10,000 yuan in decades.
Therefore, senior sister suggested that you had better calculate the income of annuity insurance before buying!
If you have decided to allocate 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!