One of the most frequently asked questions is China's golden insurance in the prosperous life-dividend type. Today, senior sister will analyze this product with such high cheers for you and analyze its true colors.
If anyone still has questions about annuity insurance, you can read the following article written by the senior sister to ensure that everyone knows about dry goods:
"Super complete! Everything you want to know about insurance is here.
1. Is a "national brand" like China Life Reliable?
I believe many friends have heard of the name China Life. As an insurance company that most people in China have heard of, how much do you know about it? I don't know, but it doesn't matter. 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 not only one of the top 500 Chinese brands, but also one of the top 500 enterprises in the world, and it is a national vice-ministerial unit.
Its subsidiaries and itself are the first group of state-owned financial insurance, and they also occupy an important position among institutional investors 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 was10.8 trillion yuan, which kept a high level in the previous period.
2. Solvency
Insofar as the solvency of insurance companies is concerned, the conditions of bank insurance supervision are that the core solvency adequacy ratio is ≥50%, the comprehensive solvency adequacy ratio is ≥ 100%, and the comprehensive risk rating is ≥ B.
In line with these three premises, the company's solvency is not bad.
As early as 2020, China Life Insurance Company's core solvency adequacy ratio was 260. 10%, its comprehensive solvency adequacy ratio was 268.92%, and its comprehensive risk rating was Grade A. We can know that it far exceeded the minimum standards required by the CBRC. Therefore, China Life Insurance Company is an excellent company.
Second, the golden age of the golden age-how about the dividend type? What are the advantages and disadvantages?
The seniors have explained a lot. Let's get into today's topic. The first step is to prepare product drawings for everyone:
Through the product drawings, you have a preliminary understanding. Let us have a deeper understanding:
superiority
1. Dual general account
Shi Sheng Xiang Zhen can receive the special survival fund for the fifth and sixth years respectively. In the seventh year, everyone began to receive annuities every year. In addition, there will be death insurance. If the small partner keeps the annuity, he can also enter the universal account to compound interest and increase value.
However, Shi Sheng Xiang Zhen can match it. Xin Zunbao whole life insurance (universal) A and Xin Zunbao whole life insurance (universal) B are two universal insurances. One account is closed and one account is opened. The two requirements of asset appreciation and subsequent liquidity have been met. Isn't it the best of both worlds?
Everyone knows these good places about it. Are you excited inside? Don't panic, there are many excellent old-age insurance that you don't know. Where is the old-age insurance you don't know? Don't panic, this is for everyone:
Top Ten Annuity Insurance Rankings! 》
2. Return to high position
If you choose to pay once every three years, you can return 60% of the annual payment in the fifth year. If you choose to pay in five years, you can return 100% of the annual premium in the fifth year, so it seems that the minimum premium is 10% off, and the price is very satisfactory!
disadvantaged
1. The insurance premium is very expensive.
Annuity insurance premiums are paid in increments of 10,000 units.
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.
I have to pay more than 200,000 premiums a year, which is quite stressful. With so much money, isn't it good for buy buy to buy cost-effective annuity insurance?
Third, senior sister suggested.
Based on the above situation, the content of gold insurance-dividend protection is still in place, and the premium is indeed a bit expensive. There is really no cost performance, so seniors really don't recommend buying this product.
There are countless good annuity insurance in the market. You can compare them before making a decision. However, senior sister will give you a hint. Before configuring annuity insurance, you must first get a guaranteed insurance configuration. And in order not to let everyone unfortunately fall into the pit when choosing products, the following is a pit-avoiding guide prepared by senior sister for everyone, so you can have a look for yourself:
Teach you to avoid these pits of insurance by hand
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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