In 27, my New China Life Insurance company made a good start to thank new and old customers for their products. The products of "Rich Life" are about to die (designed for children's growth). Features and advantages:
Take a -year-old child as an example (8 months is years old)
Get quick profits: 8% of the effective insurance premium is paid every two years before reaching the age of 66, with an average of 9,-1, yuan.
Birthday: When you are 66 years old, you will receive 1% effective insurance amount (basic insurance amount+dividend) as a birthday bonus of 24, yuan in one lump sum to realize your wish in your later years.
annuity pension: starting from the age of 66, you will receive 8% of the effective insurance amount every year, 12,-13, yuan, and supplement the pension fund in the form of annuity.
High guarantee: 3, yuan worth of effective insurance before the age of 66 (death)+dividends; With the reduction of family responsibilities, at the age of 66, I still have 15% effective insurance amount of 15,+dividend value protection (death).
Hongfu Birthday: If you are lucky enough to be 88 years old, you will be given a large Hongfu gold of 2.42 million yuan at one time
First, the basis of return is different.
The "rich life" is based on the effective insurance amount, which can effectively alleviate the inflationary pressure.
second, the frequency and amount of return are different.
The design of "Rich Life" is more scientific and reasonable. Return 8% of the effective insurance amount every two years before the age of 66, which not only solves part of the customer's cash demand, but also does not have a great impact on the long-term income of the account; After the age of 66, 8% of the effective insurance amount will be returned every year to effectively supplement the pension.
88 years old: Hongfujin: 2.42 million yuan
Third, the design of birthday gold is different.
The "Rich Life" is timely received, and the design meets the needs of customers in planning their life after retirement. At the age of 66, 1% of the effective insurance amount will be returned to provide financial support for customers to start a new life.
Fourth, the design of death protection is different.
"Rich Life" is guaranteed with 3% effective coverage before the age of 66, and 15% effective coverage from the age of 66, which is suitable for customers' life responsibilities at different stages.
the fifth is the unique premium exemption function.
The design of "Rich Life" is more humanized, especially adding the function of exempting the premium for the disabled. In the face of life changes, you can still enjoy all insurance benefits without continuing to pay fees.
what benefits can endowment assurance products bring to customers?
Petty security plus life planning for the aged is indispensable
This product is scientifically and reasonably designed, which can meet the four major needs of customers: petty security, pension and life planning. They are:
1. Petty expenses. Provide pocket money. 8% of the effective insurance coverage before the age of 66 can subsidize daily expenses, or realize fixed small expenses planning, such as outpatient medical expenses, annual special physical examination expenses, family travel expenses, etc.
2. Guarantee. Provide high security. Before the age of 66, the value of 3% effective insurance coverage is guaranteed, and from the age of 66, the value of 15% effective insurance coverage is guaranteed to resist unknown risks.
3. Providing for the aged. Birthday payment at the age of 66 and an annuity with an annual effective insurance amount of 8% will be collected to supplement the pension.
4. Life planning. With the existing funds, plan the life in different stages in the future and resist all kinds of unknown risks.
who are you? Xinhua is one of all insurance companies established with the establishment of the Insurance Law in 1996. Please don't talk nonsense if you lack understanding, thank you!
Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.