Case: Ms. Qian, 40 years old, chose Taiping Fortune Growth 1 and paid the annual premium of 1 10,000 yuan. She only needs to pay 10 years, and she can enjoy the high living security and stable income of 15 years:
Annual return, 15 years cumulative return: 169 10.4 yuan (according to high-grade bonus), 16 135.5 yuan (according to middle-grade bonus), 15399.9 yuan (according to low-grade bonus)
If you choose the survival fund to accumulate interest, you can get: 20024.2 yuan (high), 19 152.7 yuan (middle), 18370.8 yuan (low);
134258. 1 yuan (high), 1 19594 yuan (middle), 1069 1.7 yuan.
Maximum compensation for illness or general accidental death: 130848.7 yuan (high),17722.5 yuan (middle), 106277.8 yuan (low);
The maximum compensation for death in public traffic accidents or private car accidents: 3,88413.9 yuan (high), 350,899.3 yuan (middle) and 318,065.2 yuan (low).
Survival income: generally calculated according to the middle interval:16113.5+119594 =135707.5.
According to his investment amount, I calculated it as 1 year fixed deposit (annual interest rate 3%).
The annual interest rate is 3%
1 year 10000 10300
Second year 100020909
The third year 10003 1836.27
Fourth year:10000 43091.35438+0
Fifth year: 10000. 56600.66666666667
On the sixth year,1000006.10006.000000000006
Seventh year10000.10000.0000000000007
The 8th year10000 91591.06128.
Ninth year:10000138+0.546666666
No.:101000118077.46667.66666666686
Serial number: 1 1 year126438+06.50080.00000000606
Telephone number: 12 12637
Telephone number:1316438+06438.30089.00000000606
Telephone number:1413897.38886.988988888886
No. 15 188+0438.
It can be seen that the two are basically the same, so the insurance is considered as insurance with relatively high income, but the protection is slightly poor.
It is recommended to change to other wealth management products.
If you use insurance financial advice to buy Ping An's Xinxiang or Xinhua's Jixing Zhao Gao, there is little difference between them.