Behind the soul's questioning, there are two phenomena worthy of attention. First, people can't escape birth, illness and death. A serious illness may destroy a family, so everything should be prepared for a rainy day. Second, insurance is increasingly becoming a "just need" for families. In addition to disease claims, it also shoulders the heavy responsibility of family wealth distribution.
The traditional wealth allocation is to deposit money in the bank to earn interest. In the era of low interest rates and inflation, the more deposits, the more they shrink. You can only be a "worker" or "payer of last resort" with low security, and you will become an "old iron" in case of emergency. Real estate speculation? P2P？ Stock trading? You can't cope with the seventy-two changes in the market without the eighteen martial arts. Money is like a tornado. It comes and goes quickly.
Insurance, especially financial and commercial insurance, has become the favorite in many people's eyes, whether it is the matching degree of big environment or personal ability. Recently, an "Internet celebrity" explosive product appeared in the insurance market, which was highly sought after. This product is "Fortune Jin Rui 2 1" launched by China Ping An, an insurance company in Ping An Life Insurance Company of China, China, and has triple functions of annuity insurance, universal insurance and health insurance.
Highly sought after, where is the fragrance of "Fortune Jin Rui 2 1"? Through faster insurance expiration, more adequate survival payment and wider age protection, we can meet the wealth management needs of customers at different life stages, create long-term and stable annuity payment for customers, and at the same time add universal insurance with considerable yield and double care for 50 kinds of serious diseases to realize the double protection of "wealth+health".
From the origin, China Ping An Life Insurance Company of China Insurance Company was born with the golden key "Fortune Jin Rui 2 1" and has its own flow. From the product itself, with high security and stable income, "Fortune Jin Rui 2 1" welded several bumpers for family wealth. It is natural that such products are popular.
What kind of "insurance" do China people need?
What does insurance mean? In The Big Bang Theory, Howard and Bernadette buy life insurance for their newborn daughter and choose a kindergarten. It can be seen that insurance awareness has been deeply rooted in people's hearts overseas. For adults, insurance means planning your life and being responsible for your family.
Do we have a high sense of insurance? The answer is also yes. In real life, we always think of insurance at critical moments. For example, if a car is accidentally hit, someone will immediately ask, "Do you have insurance?" The neighbor was ill, and a bunch of people gathered around and asked, "Is there insurance?" When the investment loss was serious, my friend came to comfort me, "Don't panic, it's just a technical callback." Finally, I didn't forget to say, "Let's buy insurance."
But the funny thing is that many people who advise others to buy insurance don't buy insurance for a simple reason-luck in human nature. For example, it is known that the probability of a red light accident and a stock trading limit tomorrow is very low, but many people think that a red light accident is absolutely impossible, and they are full of expectations for the stock trading limit tomorrow.
People in China don't buy insurance, so the money is locked in the safe? No, everyone has a need for wealth appreciation. Quite a few people put money in the bank to pay interest, save money for school, save money for medical treatment and save money for old age. But in the era of low interest rates and inflation, saving money to eat interest is no longer "insurance". There are intuitive examples in life. In 2000, 300 thousand yuan bought a house in Beijing, and now there is not even a toilet.
With the decline in the return on savings assets, China people have more and more "insurance" methods. For example, buying P2P, real estate speculation and stock trading have obvious disadvantages. P2P is thunderous and has almost become a financial forbidden zone. Real estate speculation has been cursed by the policy, and it is not the income but the debt that is locked; The profit and loss of stock trading is 28 points, and the chopped leek is a compulsory course for retail investors.
Is it difficult to face the risk of illness and shrinking wealth? Of course not. With people paying more and more attention to the preservation and appreciation of health and wealth, buying innovative insurance products has become a new trend of asset allocation for China people, especially the new middle class. According to the survey data of CCTV's economic life, the popularity of insurance accounts for 29.36%, which is much higher than that of real estate, wealth management products and stocks.
Among them, financial insurance is very popular because of its high security, low risk and stable income. It is based on the insight of Chinese people's health and wealth preservation and appreciation that China Ping An Life Insurance Company of China Insurance Company has launched a new generation of annuity insurance product plan "Fortune Jin Rui 2 1".
As the first product of China Ping An, an insurance company in Ping An Life Insurance Company of China, China, "Fortune Jin Rui 2 1" became popular rapidly after its debut on June 5438+0 1. Some people say that it is "the first choice to realize the freedom of education", some people say that it is "the golden key to the golden age", and some people say that prudent financial management depends on it.
What is the charm of "Fortune Jin Rui 2 1"?
The secret of the popularity of "Fortune Jin Rui 2 1"
"Fortune Jin Rui 2 1" became an explosion once it was launched. Behind the explosion, it means that it has been chosen by many customers. What is the root cause?
Look at the product itself first. "Fortune Jin Rui 2 1" consists of Ping An Fortune Jin Rui (202 1) annuity insurance, Ping An Jucaibao (20) whole life insurance (universal type) (hereinafter referred to as "Jucaibao") and Ping An Supplementary Minor Disease Insurance, which has triple functions of annuity insurance, universal insurance and health insurance.
There are many characteristics of annuity insurance, not to mention the principal guarantee. The most attractive thing is the certainty of return. The annuity insurance of "Fortune Jin Rui 2 1" has many outstanding features on the basis of safety and certainty. The first is short-term investment and quick payment. The payment period of annuity insurance is 3 years and 5 years respectively, and the guarantee period is shortened from 10 year of the previous generation to 8 years.
If the payment period of "Fortune Jin Rui 2 1" is 3 years, 60% of the annual premium will be paid every year at the 5th to 7th anniversary of the policy, and 1 times of the basic insurance amount will be paid when due; If the payment period is 5 years, 100% of the annual premium will be paid every year from the fifth year to the seventh year of the policy, and 1 times of the basic insurance amount will be paid when due.
For example, an adult pays 654.38+ 10,000 yuan a year for three years. By the fifth to seventh year, you can receive 60,000 yuan of survival insurance every year, and you can receive a total of 6.5438+0.8 million yuan; In the eighth year, he received 65,438+0,000% of the basic insurance, and 65,438+0.5,438+0 million yuan. The total amount is 330,654,38+0,000 yuan, which is about 65,438+0.654,38+0 times of the premium paid.
This is equivalent to the customer being forced to save a small vault to reserve enough cash flow for follow-up education and pension, which is a sign of confidence in himself and planning for the future.
In addition to the certainty of future funds, "Fortune Jin Rui 2 1" also has a strong wealth appreciation effect. The survival insurance premium paid by "Fortune Jin Rui 2 1" annuity insurance and the expiration survival insurance premium can be directly transferred to the universal account of Jucaibao. In the past 60 months, the return rate of Jucaibao has remained at 5%.
What is this concept? Some customers on the internet have calculated their own accounts. Even if the most conservative Jubao yield is 4.5%, a 40-year-old customer will pay 3 years, taking the annual income of 654.38+10,000 as an example. The accumulated income of this customer will reach 590,000 when he is 60 years old, and will exceed 2.27 million after he is 90 years old. With the huge expectation of wealth appreciation, it is not surprising that "Fortune Jin Rui 2 1" is called "the golden key of golden old age".
Of course, a common sense is that no matter how much wealth you have, health should be a prerequisite. "Fortune Jin Rui 2 1" also has the function of health risk hedging, with minor illness protection rights attached. If the customer unfortunately gets 50 kinds of minor illnesses agreed in the contract, he can get a certain amount of minor illness insurance money.
In addition to giving consideration to wealth and health, "Fortune Jin Rui 2 1" also fully considers customers' needs in terms of fund withdrawal flexibility and age security. For example, annuity insurance and Jucaibao can support policy loans, and the loan amount is 80% of the cash value after deducting various debts. Once the customer's funds are tight, the policy loan function can solve the urgent need.
In terms of the highest insurance age, "Fortune Jin Rui 2 1" was relaxed from 65 to 75, so that elderly customers could "pay their own wages", which not only did not disturb their children, but also reserved funds for them.
Such an insurance product with triple functions of annuity insurance, universal insurance and health insurance will be "really fragrant" if it is fashionable for young people on the Internet.
Behind "Fortune Jin Rui 2 1" is the confidence and strength of China Ping An.
"Fortune Jin Rui 2 1" meets the needs of users' health and wealth appreciation in a one-stop and multi-dimensional way, and it is a rare explosive product in the market. It should be noted that it is no accident that "Fortune Jin Rui 2 1" was born in Ping 'an, China. Behind it is China Ping An's initial intention and business strength.
In the front-end design, "Fortune Jin Rui 2 1" is based on the initial intention of "starting from customer needs" and also meets the asset allocation needs in the era of low interest rates and inflation. Derived social content is more abundant, including early childhood education, supporting the elderly, family fortune inheritance and so on.
On the back-end support, the investment ability and profitability of the real economy are the guarantee for "Fortune Jin Rui 2 1" to realize wealth appreciation. From the perspective of capital investment, China Ping 'an closely followed the national strategy, supported the real economy, participated in major projects such as the Belt and Road Initiative, beijing-shanghai railway and Guangdong-Hong Kong-Macao Greater Bay Area, and achieved huge investment returns.
Shenzhen ping' an financial center
From the investment style, China Ping 'an has a steady style and pursues value investment. Its intelligent risk control platform, with the help of cutting-edge technologies such as knowledge map, builds a comprehensive risk management database and realizes intelligent risk identification. AI Smart Investment has blessed people with investment. China Ping An Life Insurance Company of China Insurance Company has been continuously rated as Class A in the comprehensive risk rating of China Banking and Insurance Regulatory Commission, and its investment level can be regarded as the benchmark of insurance funds.
Today's ability circle is tomorrow's moat. Ma Mingzhe, the founder of China Ping An, has led the insurance industry to change for the better many times. This year, he even stressed the need to build a "life insurance+"product system around customers, including "life insurance+medical health, health care and old-age care, education services", and constantly increase the proportion of long-term security products.
Through the innovation of "Life Insurance Plus", China Ping An has laid out industries such as health, old-age care, education and so on, which have long-term investment and benefit people's livelihood. This is not only the embodiment of returning to the original heart, but also the enhancement of customer stickiness and the broadening of profit space. This is a multi-purpose model.
It can be said that "Fortune Jin Rui 2 1" is a typical product of Ping An's "Life Insurance Plus" business in China.
Looking deeply at "Fortune Jin Rui 2 1", its most fundamental principle is insurance, and risk protection is its core theme. Secondly, "Fortune Jin Rui 2 1" has insight into customers' needs on the basis of life insurance, has the investment attribute of wealth appreciation, and occupies an important position in family asset allocation.
With high security, low risk and steady income, the popularity of "Fortune Jin Rui 2 1" is the foundation of China's peace, and it also conforms to the background of increasing Chinese people's risk awareness and the opportunity of family wealth allocation channel reform.
Markets and customers will vote with their feet, and it is inevitable that "Fortune Jin Rui 2 1" will become an explosion.