Father-son "account":
The purpose is to ensure that children with family hopes can grow up healthily and have enough education funds.
● Wealth "account":
It aims to promote the appreciation of family wealth and ensure the preservation and inheritance of family assets.
● Family income security "account":
The purpose is to ensure that the family finances are still safe when the family economic pillar encounters life accidents. ● Health insurance "account":
The purpose is to ensure that there are enough funds to deal with the health crisis and reduce the burden on families.
● Pension "account":
The purpose is to ensure the sense of security of the elderly and provide a stable source of old-age care for the quality of life in their later years.
Product characteristics
Regular guarantee+full-term survival return, give the baby a good care.
Adequate personal protection before the baby reaches the age of 28; At the age of 28, you can receive a one-time survival allowance, which has many uses for starting a business marriage.
The three education funds of junior high school, senior high school and university can be freely combined to take care of the different needs of growth.
The three kinds of education funds can be freely combined and matched, and there is no proportional limit to meet the educational growth needs of babies at different stages.
There are also double dividends, and the insurance amount grows with the baby.
Dividends will be paid every year according to the actual operation of the dividend insurance business in the previous year, which will directly increase the basic insurance amount.
Your main rights and interests
death insurance
During the validity period of the main insurance contract (Taiping Jinxiu Future Children's Endowment Security (Dividend-sharing) in 2006), if the insured dies unfortunately, we will pay the death insurance premium according to the insurance amount of the main insurance contract at the time of the insured's death, and the contract will be terminated at the same time.
Expired survival insurance money
If the insured still exists when the policy expires, we will pay the expired survival insurance money according to the insurance amount of the main insurance contract, and the contract will be terminated at the same time.
Junior high school education annuity
Children who have reached the age of 12, 13 and 14 can receive junior high school education annuity as agreed on the first anniversary of the policy.
High school education annuity
Children aged 15, 16 and 17 can receive the senior high school education annuity on the first anniversary of the policy.
University education annuity
Children who have reached the age of 18, 19, 20, 2 1 can receive the university education annuity as agreed.
Insurance premium refund
During the validity period of the supplementary contract, if the insured dies, we will pay the refund of the premium paid, and the supplementary contract will be terminated according to the following formula.
Refund amount of insurance premium = paid insurance premium ×( 1+2.5%× paid insurance premium days /365)
Policy dividend
The dividend method of this dividend insurance is incremental dividend, and the dividend method is uncertain, including annual dividend and final dividend. The annual dividend is realized by increasing the amount of insurance, and the increased amount will also be included in the dividend calculation for future years. If the contract is terminated due to expiration, death or other reasons, we will make accounting according to the actual operation of dividend insurance business and pay the final dividend in cash.
The investment strategy of dividend insurance is to insist on steady investment, with fixed income investment as the main part and equity investment as the supplement. Then, on the basis of ensuring the safety of assets, realize asset appreciation.
All possible sources of dividend products participate in dividends, including dead difference, commission difference, interest spread and other differences caused by policy changes.
Examples of insurance
Mr. Chen bought 50,000 yuan of old-age security 2006 (dividend-paying type) for his six-month-old child, plus Taiping champion junior high school, senior high school and university education annuity insurance, with the insurance coverage of 3,000 yuan, 5,000 yuan and 10000 yuan respectively. The payment method is annual payment, and the first premium is 5486.6 yuan.
Mr. Chen's children can enjoy the following insurance benefits:
At the age of 12, 13 and 14, respectively, they received an annual junior high school education fund of 3,000 yuan and accumulated annual dividends. 14 years old can also receive a one-time end bonus.
Accumulated bonus from 12 to 14 years (example): (low) 378.6 yuan; (middle) 1 139.9 yuan; (high) 1992.8 yuan;
At the age of 15, 16 and 17, respectively, they received an annual high school education grant of 5,000 yuan and accumulated annual dividends. 17 years old can also receive a one-time end bonus.
Accumulated bonus from 15 to 17 years (example): (low) 757.8 yuan; (middle) 2334.8 yuan; (high) 4 150.6 yuan;
At the age of 18, 19, 20, and 2 1 year, they will receive 10000 yuan of college education every year and accumulate annual bonuses. 2 1 year-old can also receive a one-time end bonus.
18 ~ 2 1 year-old cumulative annual bonus (example): (low) 28 1 1.4 yuan; (middle) 8274.6 yuan; (high) 14785 yuan;
At the age of 28, you will receive a 50,000 yuan venture fund, as well as accumulated annual bonus and final bonus.
Cumulative annual bonus (example): (low) 8958 yuan; (Middle) 2343 1.5 yuan; (high) 42,576.5 yuan;
Death protection during the period from 0 to 28 years old: 50,000 yuan+accumulated annual bonus and final bonus at the time of death, and return the premium paid by the additional champion series at the time of death and its interest (corresponding to the validity period of additional insurance).