After reading the above answers, none of them are professional and none of them are responsible.

If you want to say that the products of other companies are not good and you want to recommend your own products, you should also say 123, right?

Let me introduce Hongfu's annual guarantee to you:

First of all, I am a salesman of China Pacific Insurance Beijing Branch. But when I say insurance, I only speak according to the insurance contract and the facts that have happened, and there is nothing false. This sentence is to straighten up!

Let's formally talk about insurance:

This insurance is divided into two parts: fixed return and dividend. The fixed return also includes two parts: the return of survival fund and the return of principal, which are explained as follows:

1, survival money return: from the effective date of the insurance contract, the insured amount of 18% will be returned regularly every two years until life.

Take your insurance policy as an example: 5000 18% will be returned every two years, that is, it will be returned to 900 yuan every two years until the end of your life.

2. Return of principal: During the period from 6/kloc-0 to 86 years old, the insured will return 18% of the principal paid every five years, for a total of six times, that is, 108% of the principal. In other words, the principal has been there.

3. Dividend distribution: The insurance company distributes the dividend of the current year according to the annual operating performance, and the dividend is uncertain. However, the average dividend level of our company in recent six years is 5.0 1%.

4. Compound interest: If you don't collect the above 123, you can keep it in the policy account, and our company will accumulate interest for you by compound interest every year. Our company's current compound interest rate is 3.5%, while the planned presentation shows that the compound interest rate is 3%. Don't think that compound interest doesn't matter. The n power of 2 is the simplest expression of compound interest.

This is the most basic feature of this insurance.

In addition, it should be noted that when the salesman gave you a demonstration of the scheme, the low, medium and high-grade dividends were demonstrated according to 3%, 4.5% and 6% respectively. As mentioned above, the average dividend data of our company in the past six years, in other words, we can definitely get a mid-range dividend in the dividend statement.

As for the basic guarantee of 1000 yuan/copy *5 copies =5000 yuan, you don't understand.

Simply put, this insurance is sold by the number of shares. One insured amount 1000 yuan, and you bought five copies, then your insured amount is 5000 yuan.

I don't know if you understand this explanation.

Finally, I'll show you a related news:

China Pacific Insurance made a net profit of 7.356 billion yuan last year, up 186.3% year-on-year.

China Pacific Insurance (601601) achieved excellent business performance in 2009, with a net profit of 7.356 billion yuan, up 186.3% year-on-year. The company intends to discover a bonus of RMB 0.30 per share to all shareholders.

According to the annual report, in 2009, China Pacific Insurance focused on the main business of insurance and actively promoted and realized the coordinated development of life insurance, property insurance, asset management and endowment insurance. In 2009, the company realized insurance business income of 96.342 billion yuan, a year-on-year increase of 27.2%; Among them, life insurance business income increased by 29.6% year-on-year, and property insurance business income increased by 23.0% year-on-year; The scale of investment assets reached 366.0./kloc-0.8 billion yuan, and the scale of assets entrusted to manage endowment insurance was 24.688 billion yuan; The annual net profit attributable to shareholders of the parent company was 7.356 billion yuan, a year-on-year increase of 65,438+086.3%; The company's embedded value reached 98.3765438 billion yuan, up 40.6% year-on-year.

In 2009, the life insurance business of China Taibao actively adjusted and optimized its business structure, and realized the first-year payment of insurance business income of 65,438+0,274,388+0 billion yuan, up 98.2% year-on-year. The value of new business in one year was 5 billion yuan, up 36.9% year-on-year. In terms of property insurance business, China Pacific Insurance insists on achieving sustainable and efficient development and effectively changes the growth mode. In 2009, the income from insurance business was 34.289 billion yuan, a year-on-year increase of 23.0%; The comprehensive cost rate is 97.5%, which is 4.7 percentage points lower than that in 2008. In 2009, the net profit was 65.438+0.422 billion yuan, a year-on-year increase of 654.38+0.64.8%. At the same time, the company's property insurance business seized the opportunity of further standardization of the auto insurance market, focused on promoting the refined management of auto insurance, improving business quality and effectively improving the premium adequacy ratio; Subdivide the target market, accelerate the development of non-auto insurance businesses with good benefits such as liability insurance, short-term accident insurance and family property insurance, and enhance the stability of profitability.

While developing premium income, China Pacific Insurance is also actively seeking higher investment income. In 2009, the company's fixed income investment increased long-term asset allocation, and the fixed income increased by12.4% year-on-year; Equity investment seizes market opportunities, appropriately expands allocation and improves income contribution; We will continue to vigorously expand alternative investment. The total investment of infrastructure investment plan increased by 65,438+0,865,438+0.3% compared with the end of last year, and the proportion of investment assets increased by 2.7 percentage points. We also completed an equity investment of RMB 6,543.8+0.3 billion in Hangzhou Bank. The company achieved a total investment income of 65.438+09.536 billion yuan, with a total investment return rate of 6.3%, an increase of 3.4 percentage points over the previous year.

(Securities Times reporter Gui Yan Min)

I hope my answer can help you.