For wealth management products, it will be clearly stipulated in the insurance liability that the premium or insurance amount will be returned at maturity. In addition, if the annuity insurance is equipped with a universal account, you can also withdraw money when it expires. Consumption can be roughly estimated through the cash value table behind the insurance policy, insurance plan, publicity color pages and the company's past universal interest rate.
In 70 years, China Life became stronger and the annuity continued to be returned at the top. After the fifth year, 60% will be returned every year for five consecutive years.
The annual payment is 50 100 yuan, and the male is insured from 30 to 75 years old. According to the median interest rate of 4.5%, the premium and survival annuity of Supreme Xinxiang Annuity Insurance are actually higher than that of Li Yingnian 20 18, which reflects the biggest core advantage of Supreme Xinxiang Annuity Insurance.
High cash value and short-term return:
Many insurance companies are very strong, and the company's capital operation is quite good, but often in wealth management insurance, the cash value of the policy is longer than 10 years or even higher than 10 years before returning to the capital, which takes a long time.
However, judging from Supreme Xin's pension plan, the above situation will not occur. Suppose a 30-year-old male pays 27,348 yuan in the first year and chooses to pay for five years. The total premium is136,740 yuan. According to the mid-range dividend rate of 4.5%, when the insured chooses to surrender, he can return 133252 yuan, which is basically the return amount.
This proves that the cash value of this plan is extremely high, the funds can be withdrawn quickly, and the money can be returned immediately after payment.