For example, my Huaxia Life Insurance Company.
Annuity insurance has five kinds of happiness.
The most cost-effective one is Fulinmen Children's Edition.
Suitable for 0 years old (28 days after birth) to 25 years old.
When we sell this insurance, it is also called education insurance.
For example, for a baby of 0 years old.
Take1.5000 as an example.
Enjoy the following rights and interests:
When I was 5 years old, I received 30 thousand care money.
I started to receive an annuity at the age of 6 (4 128 yuan) until 105.
At the age of 60, I received a birthday bonus of 6.5438+0.5 million (that is, the principal).
Continue to receive an annuity every year after the age of 60 (4 128 yuan).
Once he dies, he will pay more than 6.5438+0.5 million yuan.
(The death insurance premium of this insurance at the age of 26 to 60 is more than 6,543,800 yuan+0.5 million yuan)
The above rights and interests have been clearly stipulated in the contract and have legal effect.
If the refund is not fully collected, it will automatically enter the universal insurance account of the gold housekeeper, with the guaranteed interest rate of the compound interest contract of 3% and the actual interest rate of 4.5% to 6%.
For example, the above insurance is 1.5 million, so if you don't get a refund yourself, you can enter the gold housekeeper to record the interest.
Then one day, I want to accept it all at once. To be conservative, I will calculate at 4.5 instead of the current 6% level, as follows:
At the age of 20, he received more than 279,000 points at one time.
At the age of 30, I received more than 425,000 points at one time.
40 years old, receiving about 650,000 at a time.
At the age of 50, I received a one-time payment of 998,000.
At the age of 60, it was 654.38+0.53 million.
At the age of 80, he received 3.67 million in one lump sum.
And so on, this is 4.5%. At present, the official announcement of Huaxia Golden Butler F is actually 6%, and the contract guarantee is 3%. Gold housekeeper can deposit an extra interest. However, the addition is not approved, because the one-time fee of the gold housekeeper is 1%.
And after my analysis, it is more cost-effective to insure the main insurance, Fulinmen Children's Edition, than the compound interest of the gold housekeeper. At least in the case of annual payment of 10000, 20000, 30000, 50000 and 5 years. But the gold housekeeper is only equipped as an additional risk for customers. It has not been collected since the insurance, which is very useful in the case of one-time collection.
This education insurance 165438+ will be discontinued at the end of 10, and a new model will be issued later.
The new model may not get the care money received at the age of 5 (one fifth of the total premium is returned once, which is the care money).
Because this is buy five get one free, the premium is actually 20% off. But the rights and interests have not changed. This violates the provisions of the CIRC on insurance products and may affect the fairness of insurance competition.
After all, Huaxia insurance products are rich in money, and evergreen trees are very dominant. The annual premium income in 20 17 years 1000 billion. With the rapid development of the company, people from all walks of life have moved to China.
I am an insurer in China. You can contact me if you need insurance: 13350229898.
Configure appropriate insurance products for each customer from a professional perspective, and let customers know that even if Huaxia products are pushed to employees of other insurance companies, they will buy Huaxia products. It exists because of product advantages.
After all, Huaxia Life Insurance focused on life insurance business and set up Huaxia Charity Fund to hold charity.
However, other insurance companies do not focus on life insurance, but try to make a profit.
The purpose of the company is different, naturally only our Huaxia products have more advantages. Our company's aim is to make China full of love and put the interests of customers first.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.