Link:/question/437572998/answer/2492127539

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Hello, I'm Gao, your insurance broker.

Recently, two customers bought insurance from an insurance company in the bank. Let me analyze it for them.

No problem, arrange!

Today, I will show you an incremental life insurance that sells well in China Bank, China Agricultural Bank, China Construction Bank and other banks: Huaxia Nanshan Songxin exclusive edition whole life insurance, and Huaxia Gao Jie exclusive edition universal whole life insurance account with additional insurance.

Is the truth really as good as Miss Bank said?

Let's talk about a case first: Ms. Li is 35 years old and her deposit is 654.38+0 million due. She learned that the bank's overall expected income has fallen sharply. In order to manage this fund, under the promotion of the bank sales staff, she insured the exclusive version of whole life insurance in Song Xin, Nanshan, Huaxia, and chose to pay 45,000 years, and the extra premium of 6,543,800 yuan was credited to the exclusive universal account.

Tips: the guaranteed income of universal account is 3%, and the excess is not guaranteed.

In the past more than 20 months, the general settlement interest rate has remained at 4.9%. If an additional RMB 654.38+00,000 is charged for the initial handling fee of RMB 65,438+0%, including the premium increase at any other time, the remaining premium must be deducted before entering the universal account.

At the end of five years, the handling fee of 0.5% of the total additional premium in the previous five years will be returned to the universal account, which is equivalent to the individual bearing 0.5% of the handling fee cost.

Does it look simple?

Indeed, let's look at her plan next.

The policy is paid for 40,000 *5 years with a total premium of 200,000. At the end of the fifth year, the current price reached 203,504 yuan, which has exceeded the total premium and has a partial surplus.

Other products need 7-8 years to return to the original cost. With this alone, 98% of the incremental life insurance on sale has been crushed.

/kloc-late 0/0 years, 15 years, even 25 years, 30 years or even 55 years, are they all high?

Indeed, you can focus on the screenshot box.