In particular, the gold insurance for the prosperous life of China-dividend insurance, which is also the most frequently asked insurance, is going to analyze this product with such high cheers for you today, and analyze whether it is really so great.
If there are still small partners who don't know much about annuity insurance, you can have a look at this article written by senior sister when you are free to ensure that the dry goods are full:
"Super complete! Everything you want to know about insurance is here.
1. Is a "national brand" like China Life Reliable?
I believe many people know China Life. As the most famous insurance company in China, how much do you know about it? You know there's no problem? Let's listen to what Senior Sister said:
1. Company background
China life insurance (group) company (China life insurance for short) is a central financial enterprise? , super-large state-owned financial and insurance enterprise company; Headquartered in Beijing, it is one of the top 500 enterprises in the world and one of the top 500 Chinese brands, and belongs to the vice-ministerial enterprises in China.
China Life Insurance (Group) Company and its subsidiaries constitute the largest state-owned financial insurance group in China. At the same time, it is also an important institutional investor active in the capital market. The business scope covers life insurance, property insurance, enterprise and occupational annuities, banks, funds, asset management, wealth management, industrial investment, overseas business and other fields.
In 2020, the Group's consolidated operating income was nearly 1 trillion yuan, consolidated premium income exceeded 750 billion yuan, consolidated total assets exceeded 5 trillion yuan, and consolidated management of third-party assets was18 trillion yuan, which continued to maintain a high level in the previous period.
2. Solvency
China Banking Regulatory Commission stipulates that the solvency standards of insurance companies are: core solvency adequacy ratio ≥50%, comprehensive solvency adequacy ratio ≥ 100%, and comprehensive risk rating ≥ B.
Meet the above three conditions and meet the repayment standard in the company.
In 2020, China Life Insurance Company's core solvency adequacy ratio is 260. 10%, its comprehensive solvency adequacy ratio is 268.92%, and its comprehensive risk rating is Grade A, so it is a good company.
Second, the golden age of the golden age-how about the dividend type? What are the advantages and disadvantages?
Senior sister has done some popular science, and everyone understands the truth. Let's get straight to the point. It is best to have an intuitive understanding through the product diagram first:
Has the introduction of product drawings aroused everyone's curiosity, and in-depth analysis has come:
superiority
1. Dual general account
Shi Sheng Xiang Zhen can get a special survival fund in the fifth and sixth years, and then in the seventh year, everyone can get an annuity every year, as well as death protection for you. If the friends keep the annuity, they will also provide a universal account for everyone to compound interest and increase value.
Shi Sheng Xiangzhen can be matched with Xinzunbao whole life insurance (universal type) A or Xinzunbao whole life insurance (universal type) B, and then the two accounts are closed, which not only realizes the asset appreciation demand, but also realizes the subsequent liquidity demand. Great!
You know its benefits, and you have a desire to move! Don't worry, there are many kinds of endowment insurance, many of which are excellent. Want to know what other excellent and unknown old-age insurance? Our product introduction is ready. Come on:
Want to buy high-yield annuity insurance? Don't miss this 10 model! 》
2. Return to high position
If Shi Sheng chooses to pay once every three years, 60% of the annual premium can be returned in the fifth year. If you choose to pay once every five years, you can return 100% of the annual premium in the fifth year. As can be seen from the previous percentage, the premium has been given a minimum discount of 10%, and the price is very satisfactory!
disadvantaged
1. The insurance premium is very expensive.
The annuity insurance premium is paid in an increasing state of more than 10 thousand.
For example, Mr. Wang decided to take out insurance for the prosperous times in the world. There are two universal policies, namely "Xinzunbao whole life insurance (universal type) A and Xinzunbao whole life insurance (universal type) B", which pay 200,000 yuan per year for five years, with a total investment premium of 6,543.8+0,000 yuan and lifetime protection, with the coverage of 109060 yuan.
The annual premium is so expensive that it costs 200 thousand. This payment pressure is relatively high. If you have this money, you might as well choose a more cost-effective annuity insurance!
Third, senior sister suggested.
Generally speaking, the content of gold insurance-dividend protection at this age is really excellent. The premium is really expensive, and it is really not cost-effective. Therefore, senior sister thinks it is best not to buy this product.
There are many excellent annuity insurance in the market. After comparison, you can choose the one that suits you. However, senior sister should remind everyone that when annuity insurance is not configured, you must first configure guaranteed insurance. And in order to prevent people from falling into the trap when choosing products, this pit-avoiding guide compiled by Senior Sister is definitely worth reading. Take a look if you want to avoid the pit. Thank you:
"What kind of insurance is better, and how to buy it is more cost-effective? 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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