10 year: zero interest rate 10-year fixed deposit, initial principal 10000, and increase every five years 10000. Take 50 thousand in the tenth year.

20 years: fixed term for 20 years, with interest rate of 5.766 18%, initial principal of 1 10,000, and annual increase of 1 10,000 in the first five years, and compulsory withdrawal of 50,000 every 10 year.

30 years: 30-year term, the interest rate is 7. 17965%, the initial principal is 10000 yuan, and it will be increased every year for the first five years, and 50,000 yuan will be withdrawn every 10 year.

Later, the interest rate gradually increased, directly listing the situation in 80 years:

80 years: 80-year fixed deposit, with interest rate of 7.98955%, initial principal of 10000 yuan, and annual increase of 10000 yuan in the first five years, and compulsory withdrawal of 50000 yuan every 10 year.

As can be seen from the above analysis, this should not be a lie. The interest rate seems to be high, but the actual interest paid is reduced, because the principal pool is reduced by withdrawing 50 thousand every ten years. Calculate the same deposit method with the interest rate of 3.2% of bank time deposit (per year for the first five years 10000 yuan), and begin to exceed the income of this insurance after 60 years without withdrawal.

I hope I can solve your problem.