Product nature: Ping An Fuying Life is an old-age security product, but unlike insurance products, Ping An Fuying Life has no insurance protection function, and there is no hesitation period after purchase.
Issuer: The issuer of Ping An Fu Ying Life Insurance is Ping An Pension Insurance Company, a subsidiary of Ping An Group, which was established in 2004 and belongs to a professional pension insurance company.
Product Risk: Ping An Fu Ying Life Insurance is a medium-low risk product with a low risk level. Allow customers with conservative risk assessment to buy. However, Ping An Fu Ying Life Insurance is a product with floating expected income, which does not promise to protect the principal or guarantee the minimum expected income. Therefore, this product has the risk of principal loss.
Redemption rules: Ping An Fu Ying has a high investment threshold, with a minimum initial investment of 654.38 million yuan, and an additional investment of 654.38 million yuan is needed. There is no handling fee for subscription and redemption. After the product expires, the funds will be automatically redeemed to the original payment account within 3-5 working days, and investors do not need to redeem it manually.
Expected income of products: According to the performance comparison benchmark, we can roughly understand the expected income of Ping An Fu Ying Life Insurance. The calculation formula of expected income is: expected expected income = current product subscription amount * performance fund * current product term/actual days of the year.
The so-called performance comparison benchmark is an expected rate of return based on product investment, which does not represent the actual expected rate of return.
Insurance is a Chinese word, pinyin is b m 4 o xi m 4 n, and English is insurance or insurance, which means safe and reliable guarantee. Later, it was extended to a guarantee mechanism, a tool for planning life finance, a basic means of risk management under the condition of market economy, and an important pillar of financial system and social security system.
Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.
From the perspective of economics, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management.