This product of China Life got off to a good start and attracted a lot of attention. It has many bright spots of its own. The highlight is China Life's first annuity product; The insurance age is wide, and it supports underwriting from 28 days to 70 years old. Children over 28 days and elderly people under 70 can be insured. The age limit of insurance is small, which can be used for children's education fund, old-age pension and adult financial management, and can meet the needs of most people. Spot annuity, the return time is early, Xinyao Oriental is a fast return product, and the first refund can be obtained at the end of the fifth year after payment, which is relatively fast under the current regulatory framework; The current settlement of universal account is 5.1%; In addition to the benefits of annuity insurance itself, the product also has a universal account. If you don't want to take out the money paid back every year from the fifth to the ninth year, you can put it in the universal account and enjoy the interest of the universal account. Judging from the paid premiums and death claims, China Life Xinyao Oriental Annuity products did not pay extra compensation for death in the early stage, and the leverage ratio was (100%). From the date of receiving the annuity, the death payment is equal to the sum of the unpaid annuity and the expired insurance. There is no extra dead lever. After the payment in the first five years is completed, it will receive 60% of the premium+one-time insurance amount due every year from the fifth policy year, which is a quick return product. In the product shape design, because it belongs to the quick payment product, the early liquidity is good.

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