Let's do such a thing first. You can compare other high-quality annuity insurance and analyze its specific advantages: "Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Please write down the main points we will explain below!
First, Taikang Wealth Life C benefits announced!
Xue Xuechang first removed the product drawings of Taikang Fortune Life C according to the example:
Then let's explore the detailed guarantee content of Taikang Wealth Life C. Is the rate of return high?
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
Taikang Fortune Life Insurance C survival insurance premium is for people under 60 years old 10%, once a year; For people over 60 years old, 20% worth of survival insurance will be provided every year.
Then, Lao Li can get 10% of the insurance coverage every year before he is 60 years old, that is, 8350* 10%=835 yuan; Once Lao Li reaches the age of 60, he can enjoy 20% of the insured amount of survival insurance every year, which is converted into 1670 yuan.
Taikang Wealth Life C This product belongs to the category of life annuity insurance, which means that the longer you live, the more money you receive!
2. Continuous insurance premium
In terms of renewal premium, Taikang Fortune Life C pays 2% of the annual premium. For example, if the insured chooses to pay for 3 years, he can receive 3 times, and so on!
However, senior sister can tell you that if you choose to pay in bulk, you won't get the continuous insurance money.
According to Lao Li's case, the annual premium is 6,543,800 yuan. If you choose to pay for five years, old Li Can will get the continuous premium of 200 yuan in one year, and the total premium after five years will be 654.38+0000 yuan.
In that case, the longer the payment time, the more you can get the continuous insurance money!
3. Special survival insurance
As long as you reach the fifth anniversary of the policy, you can start to receive the special survival insurance of Taikang Fortune Life C, and receive 50% of the premium. The number of times you receive it is limited, only once ~
If a friend chooses to pay the premium in one lump sum, he will miss the special survival insurance!
Lao Li paid a total of 50,000 premiums in five years, and he can get 25,000 from the fifth anniversary of the policy.
Based on the above three guarantees, how much can the insurance company reimburse 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 receive it in one lump sum, it is also feasible. You can directly receive the survival insurance money in one lump sum, and the amount is equal to 3.6 times the insured amount.
It is ok to choose any payment method, but this little income is obviously not enough!
If you don't believe me, let's see what the insurance experts say:
Is there only so much real income from Taikang Wealth Life C? 》
However, fortunately, the product has been discontinued! Sister Xue analyzed this product mainly to tell you that if you encounter a product with such low income, it is recommended to stay away.
Then, we will compare Taikang Wealth Life C with whole life insurance, who is also a financial insurance, and find out the difference between them.
2. What's the difference between Taikang Fortune Life C and whole life insurance?
With regard to the increase of whole life insurance's insurance coverage, it can be continuously increased to provide death protection and realize the function of wealth inheritance.
Whole life insurance's in-depth interpretation of the increase, I want to know here:
"Who is the sacred whole life insurance? Is it worth starting with? 》
Moreover, the increased life can not only recover funds quickly, but also facilitate the access of funds, so it is called a cash flow planning tool by all buyers.
So, what are the advantages of increasing whole life insurance and Taikang Fortune Life C?
What it does well is that the investment liquidity is good and it is more convenient to raise funds.
Compared with the two, paragraph C of Taikang Wealth Life Insurance stipulates in the contract that the annuity will be received regularly after several years, so it will be more convenient and flexible to increase the amount of funds in whole life insurance.
In addition, its insurance reduction does not need specific time and amount, and the cash value of the policy determines whether it can be reduced. As long as it is not 0, it meets the conditions and is better for cash flow planning!
Compared with whole life insurance, Taikang Fortune Life C has the advantage of coping with longevity risks. After all, for annuity insurance that can be guaranteed for life, you can always receive it while you are alive.
I remind you that annuity insurance and incremental whole life insurance are the same, both of which belong to wealth management insurance, and both have advantages that other investment and wealth management products do not have.
It should be understood that such a 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.
Third, the summary of the senior sister
To sum up, Taikang Wealth Life C's guarantee responsibility is really all-round, but the senior sister really dare not praise this kind of income, and it will take decades to get more than 10 thousand.
Therefore, seniors still remind everyone that buying annuity insurance is a good income first!
If the goal is to buy wealth management insurance, you can learn more about the increase in whole life insurance!
Write it at the end
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