◎ Investment is guaranteed and financial management is convenient.
Our guaranteed interest rate for the value of your policy is 1.75% (annual interest rate). At the same time, you can apply for partial withdrawal according to your own financial planning and needs, so that your investment and financial management are more flexible.
◎ If you continue to pay, there will be many rewards.
As long as you pay the insurance premium on time as agreed in the contract, you can enjoy the extra rewards we have allocated to you. The longer you pay the insurance premium, the more rewards you will enjoy.
◎ Deferred payment, guarantee unchanged.
If you can't pay the insurance premium on time for the time being, you can continue to enjoy insurance protection as long as the value of your policy at that time is enough to pay the protection fee.
◎ Policy value, transparency and openness.
You can know the settlement interest rate through public media such as our telephone center (955 1 1), insurance consultants, and customer service centers of branches. At the same time, every policy year, you will also receive the annual report of individual policies to fully understand the changes in the value of policies.
◎ Insurance plans specifically for health protection and retirement financing.
Continue to pay insurance premiums on schedule. With the accumulation of time and compound interest, your policy value can enjoy long-term and stable income, and make full preparations for health protection and later life.
◎ The premium is reasonable, and the distribution ratio has steadily increased.
Intimate policy design, long-term holding, enjoy excellent cost performance, put more and more funds into the policy value, and let your pension accumulate steadily.
Loyal patron saint of life, people who can get insurance support in time when they encounter serious illness.
This is your first aid kit for personal finance, which can provide timely support for serious illness, so that you can easily cope with the critical period of life and enjoy a worry-free life.
◎ With the planning of retirement age, cash value will be collected in one lump sum or in installments.
Through the flexible financial management design of Pingan Zhiyi Life, when your ideal retirement age expires, you can receive cash value in one lump sum or in installments, so that you can enjoy a rich and worry-free old age.
◎ The cash value can be flexibly collected, which provides the same protection, and you can solve the shortage of funds.
If you need a sum of money urgently, you can apply for some cash value from us to solve the urgent need. You don't have to bear any interest. As long as the value of the policy is enough to pay for the protection, you can continue to enjoy the insurance protection, and you can also receive a part at any time to meet various needs in your life journey.
◎ The insured amount is flexible and changeable, meeting the protection needs of different life stages.
When you apply for insurance, you can choose the basic insurance amount you need within the range given by us. In order to meet the protection needs of your different life stages, you can also apply for increasing or decreasing the basic insurance amount under the condition of meeting the company's regulations.
Recently, China Ping An announced the settlement interest rate of universal insurance. With the professional investment team and smooth investment channels, the settlement interest rate of Ping An Personal Universal Life Insurance has continued to rise, and it has jumped to a platform of 5% in the first two months (daily interest rate multiplied by 365 converted into annualized interest rate)!
As an upgraded version of universal life insurance, Ping An Zhiying Life Insurance has further improved its product structure and functions on the basis of maintaining the advantages of flexible and convenient payment, independent adjustment of insurance coverage and lifetime guarantee, so as to better meet the protection needs of customers. Since its debut in Qilu last year, it has gained great recognition from the market and become the best-selling product of the company.
Treat the sick and provide for the aged.
The sharp increase in medical expenses and the worsening living environment have made more and more people realize the importance and necessity of critical illness insurance, which has always been the main insurance for various insurance companies. However, the critical illness insurance is criticized for "keeping you from getting sick all your life", that is, you can't get money when you are seriously ill, and you basically die when you are seriously ill. What's the use of asking for money? If you want to surrender halfway, you will lose money, let alone make a profit. Then, is there a kind of health insurance that "treats diseases and provides for the elderly without diseases"?
In fact, as early as the beginning of last year, China Ping An exclusively launched a critical illness insurance that was sold in combination with universal insurance. If a customer is not paid for a major illness after insurance, he can not only repay the principal when he is old, but also have an ideal value-added premium, which has brought a huge impact to the traditional critical illness insurance market. "Treating diseases and providing for the aged without illness"-its unique market advantage immediately won the favor of consumers and became the absolute main product of Ping An.
Nowadays, the upgraded "smart life" universal insurance and the new version of critical illness insurance combined with it have brought this "unique weapon" to the extreme and added more humanized design.
Make customers more convenient.
With people's life expectancy getting longer and longer, the cost of general insurance products will increase with age, especially in old age. When insurance is most needed, the cost of insurance is greatly increased, almost equal to the premium, and the meaning of insurance protection is lost. Therefore, the "smart life" of peace adopts the "balanced" guarantee cost. After the customer is 82 years old, the guarantee fee will be charged at the level of 82 years old and will not increase year by year.
In addition, Ping An Zhiying Life also has the characteristics of reducing the guarantee cost, increasing the guarantee amount, and continuously issuing special rewards, so as to benefit customers and meet their various needs.
International investment management team
The past year of 2007 has set a new milestone for the development of peace. On March 2007 1, China Ping An successfully returned to the A-share market, which was widely recognized by investors. By the end of February, the company's total market value was nearly 1000 billion US dollars, ranking among the top 20 global financial enterprises and the fourth among global insurance group enterprises. On the Forbes list of "Top 500 Listed Companies in the World in 2007", China Ping An ranked 440th overall, ranking 1 among 44 China enterprises. It can be said that today's peace is not only the pride of China's national insurance industry, but also a model of strict management according to international standards. Facing the increasingly fierce market competition, China Ping An maintained a strong growth momentum in 2007 with its solid foundation and increasing competitive advantage: the premium income in that year exceeded 654.38+0007 billion yuan, and the total assets exceeded 600 billion yuan.
Insurance companies not only provide risk protection, but also shoulder the heavy responsibility of maintaining and increasing the value of long-term life insurance premiums paid by customers, so the investment management ability of each company often becomes the focus of customers' attention. In this regard, Ping An Asset Management Company has accumulated nearly 20 years of professional investment management experience. With the year-on-year growth of assets under management and the extension of investment scope from domestic to international, Ping An has established an experienced professional investment team, including from Australia's first colonial state, HSBC, Zurich Finance and BNP Paribas, and established a good investment management system, process and risk control system.
1. The asset management scale of Ping An Asset Management Company exceeds 360 billion.
By the end of June 2007, the assets directly managed by Ping An Asset Management Company had exceeded 360 billion yuan, making it one of the largest and most influential institutional investors in China. Among them, Hong Kong Ping An Asset Management Company is responsible for nearly 100 billion overseas investment management business of Ping An, and its investment scope extends from Hong Kong to mature international capital markets such as Europe and America.
Steady investment wins by scale. Compared with tens of billions and hundreds of billions of fund companies in the domestic capital market, Ping An Asset Management Company is undoubtedly a bigger institutional investor, so it naturally becomes one of the biggest beneficiaries in stock investment, especially in new share subscription and private placement. In the first seven months of 2007, among the 49 insurance companies that participated in IPO subscription and private placement of listed companies, Ping An's total capital allocation accounted for nearly 30%, with profits exceeding 10 billion. Take the subscription of 600 million private placement shares of Minsheng Bank in June 2007 as an example. According to the current calculation of 15 yuan/share, China Ping An alone will get a book premium of nearly 3.6 billion yuan for equity investment.
2. Ping An Consortium invested 654.38+06 billion yuan in Beijing-Shanghai high-speed rail.
Last month, the insurance consortium headed by China Ping An invested 654.38+06 billion yuan, accounting for 654.38+03.93% of the total shares of Beijing-Shanghai High-speed Railway Co., Ltd., becoming the second largest shareholder. This is the first time that China insurance companies have jointly invested in large-scale infrastructure projects, which has achieved a major breakthrough in the investment of insurance funds in infrastructure. Ping An Asset Management Company with assets under management exceeding 360 billion yuan serves as the fund custodian. Beijing-Shanghai high-speed railway is the largest and longest high-speed railway in the world at present, with a design speed of 350 kilometers per hour.
In 2006, China Ping An became the leading pilot company for the first time to invest 654.38+0.2 billion yuan in infrastructure projects approved by the State Council. Up to now, China Ping An has invested in infrastructure projects in toll roads, railways, urban water supply, electricity and other fields, including Shanxi Expressway, Hubei JD.COM Expressway and Liuzhou Water Supply Project.
3. Overseas investment: Ping An became the single largest shareholder of Fortis.
165438+At the end of 2007 10, China Ping An passed an overseas investment of RMB19.8 billion and became the single largest shareholder of Fortis, the largest comprehensive financial group in Europe. Mr. Zhang Zixin, General Manager of Ping An Group, was also invited as a director of Fortis Group. This transaction is the first time that a China financial enterprise has made a large-scale investment in a global financial institution in Europe, making Ping An of China successfully step out of the first step of globalization, which is of far-reaching significance for further optimizing the global allocation of assets and improving the return on investment.
In the ranking of the world's top 500 companies in 2006, Fortis Group, which was established less than 20 years ago, ranked 18 with total assets of 9 177 billion euros, ranking second only to Citigroup in the banking and financial fields. In the past 16 years, the total return on investment of Fortis Group's shares accumulated as high as 1232%, and the dividends were stable and rich. At the same time, Fortis Group and China Ping An have many similarities in business philosophy, business structure (banking, insurance and asset management) and corporate culture, which provides a foundation for future global strategic cooperation.
4. Ping An's first overseas full investment of 65,438+05% of total assets was approved.
With the approval of the CIRC, China Ping An became the first insurance company in the industry to fully invest overseas, and invested in the Hong Kong stock market and major equity projects with its own foreign exchange funds and RMB purchase funds not exceeding 65,438+05% of the total assets at the end of last year. According to this calculation, the amount of overseas investment that Ping An can make will be around 654.38+000 billion yuan.
This fully demonstrates the full trust of regulators in China Ping An's asset management capability, and also means that China Ping An has taken another steady step towards the goal of building a world-class investment platform. Further opening up the investment channels of insurance funds will help Ping An in China to allocate global assets, improve the level of investment return, avoid the risk of fluctuations in a single economy, and have a positive impact on policy returns and corporate profits.
Insurance case
At the age of 30, Ms. Wang bought Ping An Zhiying universal life insurance and critical illness insurance, and paid 6,000 yuan in premium every year, 10, and paid 60,000 yuan in total. The guaranteed rating is 1.2 million yuan. If Ms. Wang has been in good health, according to the demonstration data of the product manual approved by Ping An Daily, according to the guaranteed settlement interest rate, if she submits surrender at the age of 60, she can get 6 1000 yuan, which is equivalent to the double guarantee of the insured amount 1200 yuan for 30 years of serious illness or death; If the settlement rate is in the middle range, you can get 145000 yuan when you surrender at the age of 60, and the high-end settlement rate is 186000 yuan. If Ms. Wang suffers from any of the 30 serious diseases, she can get at least a one-time compensation of 6.5438+0.2 million yuan. Compared with the total premium of 60,000 yuan, it is quite cost-effective.
Moreover, from the fourth policy year, if Ms. Wang continues to pay, she can also get 2% of the premiums payable in the current period as a special reward every year, which is directly included in the policy value; In the future, Wang Can will increase the premium or adjust the amount of protection according to individual needs.
(The above cases are purely descriptive, and the investment income above the minimum guaranteed interest rate is uncertain and cannot be understood as an expectation for the future. The actual settlement interest rate of universal insurance will depend on the actual investment income of the insurance company. )