When introducing the advantages and disadvantages of Pacific cornucopia, I said that most of the functions of annuity insurance are financial management. So, what is the expected income of Pacific cornucopia financial management? Is it tall? Although insurance financing is conservative, it is certainly better for the insured to obtain higher expected returns under the condition of ensuring the safety of funds. Let's experience the expected income of 20 18 through the income demonstration of Pacific cornucopia.

Pacific cornucopia benefit demonstration

Insurance scheme: Mr. Chen takes out insurance for his newborn son, and chooses five "cornucopia annuity insurance (dividend type)" and five "endowment insurance with future star education fund (dividend type)", with annual premium of 65,438+million and payment of 10 year, and at the same time, he takes out "Fortune Winner Annuity Insurance (universal type) (2010). Available benefits include:

1. fund safety treasure: aged 25, 26, 27, 28, 29 and 30, 90,000 yuan is returned every year, with a total return of 540,000 yuan, exceeding the premium paid by cornucopia by 40,000 yuan.

2. Children's exclusive treasure: 18, 19, 20, 2 1 year-old, receiving college education 898 16 yuan every year, and receiving a total of 359,264 yuan; At the age of 30, I received 329,324 yuan, totaling 688,588 yuan, exceeding the future star premium188,588 yuan.

3. Because the guaranteed interest rate of universal insurance is 2%, the upper limit is not capped, the actual settlement interest rate is different, and the value of universal insurance accounts is different. Next,

Show everyone the account value at low, medium and high settlement interest rates.

30 years old:

Low-grade 6.5438+0.44 million yuan, middle-grade 2.5 million yuan and high-grade 3.65 million yuan.

60 years old:

Low-grade RMB 2.75 million, middle-grade RMB 9.67 million and high-grade RMB 2 1.48 million.

70 years old:

Low-grade 3.38 million yuan, middle-grade15.08 million yuan, high-grade 38.65 million yuan.

80 years old:

Low-grade 410.5 million yuan, middle-grade 23.46 million yuan and high-grade 69 1 10,000 yuan.

Judging from the demonstration of income, Pacific cornucopia can get back the premium through capital safety treasure and children's exclusive treasure, and the funds are guaranteed. However, Mr. Chen paid a total premium of 6.5438+0 million. If he invests this money in other projects, he can also get a certain return. What is the expected income from insurance in the Pacific cornucopia? Under the demonstration of low-grade income, at the age of 30, the account value is 654.38+0.44 million yuan.

But this is the total survival benefit, that is to say, the policy has been held for 30 years, before which nothing can be collected. In the 30th year of the policy, the principal and interest that can be collected at the time of withdrawal. In fact, the annualized expected rate of return is around 2.5%-4.35%.