Before that, let's compare the annuity insurance with good reputation in the market and see where it wins:
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First, Taikang Wealth Life C benefits announced!
As usual, senior first showed the product drawings of Taikang Fortune Life C:
Then let's discuss the detailed guarantee content of Taikang Wealth Life C, and what is the specific return on investment?
Senior, the following data will take "30-year-old Lao Li insured Taikang Fortune Life C, with an annual payment of 1 0,000 yuan and a five-year payment of 8350 yuan" as an example. Let's pick up paper and pen and work it out together!
1, survival insurance
Under the age of 60, Lao Li will receive 10% survival insurance money provided by the insurance company every year, that is, 8350* 10%=835 yuan; After Lao Li reaches the age of 60, he will receive 20% of the survival insurance premium every year, that is, 1670 yuan.
In other words, the longer Lao Li lives, the more money he can get!
2. Continuous insurance premium
The continuous insurance premium given by Taikang Fortune Life C is charged at 2% of the annual premium. If the insured chooses to pay in several years, he can receive it in several times! If you choose to pay in batches, you won't get continuous insurance money.
In the case of Lao Li, the annual premium is 654.38+0,000 yuan, which is paid for five years. As long as Lao Li pays five years, he will eventually get 654.38+0,000 yuan of continuous insurance money, and he will get 200 yuan in one year.
In this way, the length of the payment period determines how much continuous insurance money you can get!
3. Special survival insurance
From the fifth anniversary of the policy, you can receive the special survival insurance of Taikang Fortune Life Insurance C, and you can only receive 50% of the premium at a time. If a friend chooses to pay the premium in one lump sum, you will not receive the special survival insurance!
According to Lao Li's situation, he paid 50,000 premiums in five years, which means that he can receive 25,000 yuan from the fifth policy anniversary. So how much money can Lao Li get in the end?
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 at one time, it is also possible, and the amount is 3.6 times the insured amount.
It doesn't matter which way you choose to get it. These benefits alone are not enough! If you don't believe me, let's take a look at the insurance experts:
Is there only so much real income from Taikang Fortune Life C? It turns out that we have all been cheated.
However, fortunately, this product is no longer sold! However, senior sister mentioned this product mainly to give you a bottom. If you face such a low-yield product, you don't have to consider it at all.
Second, the senior summary
To sum up, Taikang Wealth Life C's guarantee responsibility is relatively comprehensive, but looking at this income, this senior really has nothing to say, and it will take decades to earn more than 10,000 yuan. Therefore, the senior sister suggested that you must understand the income before you can buy annuity insurance!
Of course, if you really want to buy wealth management insurance, you can also learn more about Zengli whole life insurance:
Who's whole life insurance? Is it worth starting with?
Write it at the end
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