1. What needs to be corrected is that Ping An Zhiying Life is a universal insurance, and it is a multi-functional insurance that integrates security, pension supplement and inflation (the insured amount can be adjusted during the period, and the payment can be suspended).
If you want to protect the insured from the perspective of investment and financial management, it is a bit inappropriate for the insured to be so old.
Now that you have bought it, I want to tell you that this insurance is older than your parents, so your insurance pays more attention to the protection function!
According to your above algorithm, you will really feel more and more inappropriate, but this insurance means that as long as you continue to pay, you have the right to increase the insured amount. For example, if you save 6,000 yuan every year for 20 years, you can save 1.2 million at this time. If your insurance amount has not been adjusted, it will be of little significance in the future, so you can increase the insurance amount according to the situation in the process of continuous payment. This kind of insurance is relatively more suitable for young and middle-aged people to buy. After all, the elderly deduct more and more security costs. If you want to keep your income at 80 or 90, you must save at least 16000 yuan a year, otherwise it doesn't matter.
In addition, this insurance is not a financial dividend insurance. It is unrealistic for you to regard it as an investment and expect big profits. This is not the same as stocks, gold or futures. After all, the risks are different.
2. The contract says 1.79%, which is a guaranteed interest rate, and it will hardly be achieved in actual policy operation. Regardless of this insurance, the highest interest rate is 5.75% and the lowest interest rate is 3.75% since it was introduced in 2008, with an average of 4.7%, which is basically higher than the five-year time deposit rate of banks, and it is still a very good and effective way to fight inflation. 20 10 12 the settlement interest rate for the current month is 4%. At that time, the bank had a one-year period of 2.5% and a five-year period of 3.6%, so universal insurance was still very advantageous. In addition, this account is flexible, and part of it can be withdrawn, but the corresponding insurance amount should be reduced.
3. If you have a serious illness, you will be paid according to the amount of critical illness insurance, and you will not be reimbursed. Direct one-time administration after diagnosis. You can look at the first page of your contract and write down the amount of critical illness insurance. For example, you wanted to pay 20 years, but the insured died suddenly in the fifth year after insurance. After that, you don't have to pay the insurance premium directly (if you don't raise the insurance premium, it should be 6,543.8+0.2 million, including five 6,000 Yuan You paid in the previous five years).
If your parents die, you have two possibilities as a beneficiary. You may see that the value of the policy account (that is, deducting the initial cost and protection cost, plus accumulated dividends over the years) or the amount of death insurance is higher.
If there is a serious illness, subtract1.20,000 from the compensation already paid for the serious illness. For example, 50000 is 1.2-5 = 7. After the death of parents, you can get 70 thousand insurance coverage or account value, or you can get more.