Yes, Ping An Wealth Xinsheng is a life-long investment annuity insurance, and the survival fund is returned for life. The internal rate of return is calculated as follows:-9.09% in 20 years, 0.07% in 40 years, 2.06% in 65 years and 2.44% in 80 years. IRR of this product is not high. Compared with the current IRR income period of annuity insurance of 65,438+0.5-4%, the product performance is average. Annuity insurance is a wealth management insurance, and its protection function is minimal. There are loopholes in unsecured financial management: dividends are uncertain. The CBRC stipulates that at least 70% of the surplus of dividend insurance business can be distributed to the insured in the current year, but please note: distributable surplus+insurance company profit. What can be divided and how to divide it exactly depends entirely on the wishes of the insurance company and is not transparent.

First, the wealth management insurance promoted by life insurance is full of sincerity, and the insurance liability covers functions such as survival insurance+special survival insurance+nursing insurance+death deposit+premium exemption. It can be seen that this safe and open product is quite reliable. It is not an exaggeration to describe Ping An Wealth Xinniu Annuity Insurance with "five advantages". It is embodied in "a cow collar." One ",this is a kind of wealth Xinsheng annuity insurance, starting from the fifth year after insurance. As long as the insured is still alive, the special survival insurance company pays 26% of the basic insurance amount every year. In other words, the 30-year-old man started a wealth Xinsheng annuity insurance for himself with a coverage of 1 0,000 yuan. By the fifth anniversary of the policy, there will be 2600 yuan of survival insurance every year.

2. Death insurance: Wealth Xinsheng pays death insurance according to the following two situations: 20 policy anniversaries as the distinguishing point, one before and one after the 20 policy anniversaries. If, at the time of death, the conditions of the 20th anniversary date of the policy have not been met, and the person who paid the premium or had a large amount of cash value 20 years ago will directly pay the cash value of the policy 20 years later. Under normal circumstances, the growth rate of the cash value of the policy is very slow. If you want to make your premium no longer higher than the cash value, you really need to wait for decades. Therefore, it is very possible to have this configuration of wealth Xinsheng annuity insurance, and it has indeed been done.