As a representative product of endowment assurance, it has attracted much attention in the financial and insurance market.
One of the reasons why Evergrande's lifetime anniversary is so popular is the high income level of products;
The other is that its own design has its own characteristics.
Let's review Evergrande's lifelong anniversary from these two aspects.
| What is the income of Evergrande's lifetime anniversary?
| How about the security of Millennium whole life insurance?
| Dad Summary
1. What is the income of Evergrande's lifetime anniversary? In order to better understand the benefits of Evergrande's lifelong anniversary, my father analyzed it through a case.
Mr. Zhang is 30 years old, and his wife has been in love from campus to wedding dress.
They already have a child, and the basic security of a family of three has been fully equipped.
Mrs. Zhang is going to buy a financial insurance for her husband this year.
After many screenings, she chose Evergrande's Long Live Birthday.
Her insurance plan is to pay 654.38+ 10,000 yuan per year, 654.38+00 years. One * * * is 6.5438+0 million yuan.
The following is an example of her income after her father insured her:
The applicant is Ms. Zhang and the insured is Mr. Zhang.
We will analyze some benefits of this operation later.
Let's look at Mr. Zhang's income after insurance.
After the insurance of Evergrande Life Insurance, the cash value of the policy exceeds the accumulated premium before the end of the payment period.
This is rare in financial insurance. At this time, Mr. Zhang is 38 years old and the cash value of the policy is 88564 1 yuan. Ignoring inflation and other factors, if he surrenders, he can earn 8564 1 yuan.
However, it is not for this small profit to give Evergrande lifelong anniversary insurance, but to reserve a cash flow for the future.
It is with this idea that Mrs. Zhang insured Mr. Zhang, so that they can have a discretionary fund after retirement.
For example, when Mr. Zhang is 60 years old, the cash value of the policy at this time is 239,765,438+055, which is 2.3 times of the total premium.
If you surrender, this fund can improve the quality of life of both husband and wife.
If you don't need funds, you can always hold them and pass them on as wealth.
From beginning to end, Mrs. Zhang is the main controller of this policy.
The cash value of surrender and the income generated by universal account belong to Mrs. Zhang.
From the perspective of property protection, Mrs. Zhang's rights and interests can be more fully protected.
We often say that the economic base determines the superstructure.
For female friends, how to protect their rights and interests reasonably may not be the only choice, but it is a low-cost solution.
Second, how about whole life insurance's 10,000-year guarantee? Above, Dad told everyone about the benefits of Evergrande's lifelong anniversary, so what is its guarantee?
Let's take a look:
The table shows the main contents of Evergrande's lifelong celebration.
The protection content of this product is basically the same as that of mainstream financial insurance, providing death/total disability protection.
However, as two risks, maturity is also a major feature.
In addition, the product also has the functions of insurance reduction and policy loan, which allows the insured to withdraw cash flexibly and alleviate short-term financial difficulties.
There are also value-added services for Evergrande's lifelong anniversary, including medical green alliance, trust and health valley, to ensure the right of occupancy.
However, to enjoy these guarantees, it is necessary to reach a certain threshold.
This product can also be attached to a general account-heirloom.
Dad mentioned earlier that the income generated by the universal account belongs to the insured.
For example, Mrs. Zhang insured Mr. Zhang, and if the funds were transferred to the universal account, Mrs. Zhang enjoyed the funds.
Three. Dad concluded that on the whole, Evergrande's lifetime income is still good. If you choose to pay in 10, you can realize the return of funds during the payment period.
But different insurance conditions may have different benefits. You can ask your father if you want to know.
Moreover, if financial insurance tools are used properly, they can effectively avoid risks and protect the rights and interests of policyholders to the maximum extent.