Guangdong has been severely affected by the COVID-19 epidemic recently. The epidemic not only affects daily travel, but also has a huge impact on the financial aspects of today's society.

First of all, financial management losses are very common, and financial products such as stocks and futures have also been affected accordingly.

No, annuity insurance products with high yields and no risk have become the new favorite in the financial management industry.

So, the senior sister found the most popular Wealth Life C model that has been sold recently. It has such a simple slogan as "pay money for a while and receive money for a lifetime". Many customers are buying based on it. This product, so the benefits of this product are really very good?

What are the benefits of Money Life C? If you are interested, just read this article: The real income of Taikang Fortune Life C is only this much? One article tells you the details!

Now let’s start explaining today’s key points, remember to take notes!

1. The benefits of Taikang Wealth Life C payment are revealed!

As usual, the senior sister will first present the product picture of Taikang Wealth Life C model:

Next, let’s analyze what protections Taikang Wealth Life C model can provide? Is the rate of return high?

Senior sister, the following data will be displayed according to the example of "30-year-old Li insured Taikang Wealth Life C, with an annual payment of 10,000 yuan for 5 years, and the insured amount is 8,350 yuan." Everyone picked up paper and pen Let’s do the math together!

1. Survival Insurance Benefit

The survival insurance benefit of Taikang Wealth Life Type C is received once a year before the age of 60, and 10% of the insured amount is received each time; after the age of 60 , you can receive a survival insurance benefit of 20% of the insured amount every year.

So, before the age of 60, Lao Li can get 10% of the survival insurance every year, that is, 8350*10%=835 yuan; after Lao Li reaches the age of 60, he can get 10% of the survival insurance every year. The survival insurance benefit received increased to 20% of the insured amount, which is 1,670 yuan.

This product of Taikang Fortune Life Type C belongs to the category of lifetime protection annuity insurance, that is, the longer you live, the more money you can get!

2. Continuing Insurance Benefit

Taikang Wealth Life’s C payment is based on 2% of the annual premium to receive continuous insurance premium. You can get it several times!

However, senior sister, I have to tell you that if you choose to pay alone, you will not be able to receive continuous insurance benefits.

According to Lao Li’s case, the annual premium is 10,000 yuan, and if you choose to pay it for 5 years, then the continuing insurance benefit that Lao Li can get is 200 yuan a year, and it will be paid for 5 years. 1,000 yuan.

To sum it up in one sentence, if you want to get more continuous insurance benefits, just extend the payment period!

3. Special survival insurance benefit

To receive the special survival insurance benefit of Taikang Fortune Life C, you need to be able to receive 50% of the premium after the 5th anniversary of the policy, and only You can only receive it once~

If a friend’s payment method is to pay the premium in one lump sum, he or she will not be able to receive the special survival insurance benefit!

Lao Li has paid a total of 50,000 yuan in premiums in the past 5 years, so he can receive 25,000 yuan after the fifth policy anniversary.

Based on the above three guarantees, how much can the liability insurance company reimburse Lao Li?

① Continuing insurance benefit: 10,000 x 2% x 5 years = 1,000 yuan;

② Special survival benefit: 10,000 x 50% = 5,000 yuan;

③ (Ages 35-59) Survival allowance: 8,350 yuan x 10% x 25 years = 20,875 yuan;

④ (Ages 60-80) Survival allowance: 8,350 yuan x 20%

In other words, Lao Li received a total of 61,945 yuan, and after deducting the premium of 50,000 yuan, he finally earned 11,945 yuan.

If you plan to receive it in one lump sum, that is also possible. You can directly receive the survival insurance benefit in one lump sum, and the amount is almost 3.6 times the insurance amount.

No matter which way you choose to receive it, this income is not enough for anyone!

However, fortunately this product is no longer on sale! However, the key reason why I reviewed this product is to advise you that if you encounter a product with such low returns in the future, leave immediately.

If you are not sure, you can compare Taikang Fortune Life C and whole life insurance and analyze the differences between them.

2. What is the difference between Taikang Fortune Life C and incremental whole life insurance?

The insured amount of incremental whole life insurance can continue to increase, and can be used to provide death protection and realize the function of wealth inheritance.

Due to space constraints, I will not give a detailed explanation of the incremental whole life insurance. Friends who want to know more can read here: What is the significance of the incremental whole life insurance? Is it worth buying?

In addition, extended whole life also has the characteristics of fast return of capital and flexible access to funds, so it is called a cash flow planning tool by everyone who has bought it.

So, what are the comparative advantages of incremental whole life insurance and Taikang Fortune Life C?

Funds collection is more flexible and investment liquidity is better. This is its advantage.

Regarding Taikang Fortune Life C, the contract stipulates that annuities will be received regularly after a number of years. Compared with the two, the method of receiving funds from multi-incremental whole life insurance is better because it is convenient and flexible.

Besides, there are no time or amount restrictions on insurance reduction. The only condition for insurance reduction is that the cash value of the policy is not 0, which is more consistent with cash flow planning!

Comparing Taikang Wealth Life C and incremental whole life insurance together, one of its advantages is that it can cope with longevity risks. After all, the advantage of lifetime guaranteed annuity insurance is that you can receive it as long as you live.

However, whether it is annuity insurance or increased whole life insurance, the same characteristics are financial management insurance, and many of their advantages are not available in other investment and financial management products on the market.

You must know that this kind of financial product with long-term and stable compound interest growth can not only reduce the risk coefficient, but also neutralize the instability of the returns of other financial products.

3. Senior Sister’s Summary

To sum up, the protection liability of Taikang Wealth Life C payment is relatively complete, but just looking at its income, Senior Sister really There are no words of praise to describe it. After a few decades, it only has more than 10,000 funds.

Therefore, I suggest that when you buy annuity insurance, you must calculate the income yourself before buying!

Nowadays, many high-yield annuity insurance products have emerged on the market. Friends who are interested in configuring annuity insurance may wish to read this review article: Want to buy high-yield annuity insurance? Don’t miss these 10 styles!

Write it at the end

I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem For questions, you can also consult me ??on the official account Xueba Talk Insurance;

I will give you the most professional advice based on my years of experience in configuring insurance for 10W+ families.

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