Insurance company policy loan interest rate:
1, Hengan Life Insurance
With reference to the current loan interest rate of the People's Bank of China, Hengan Life Insurance adjusted the policy interest rate for Ai Heng series insurance products (9 products) to 5.0%, and 5.6% for other insurance products. The interest rate standard shall be implemented from 20 17 10 1. In fact, most insurance companies have different loan interest rates for different insurance products, except for some insurance companies whose policy loan interest rates are the same. 0
2. Centennial life insurance
The loan interest rate of the policy of the centennial life universal insurance is 6.85%, and the loan interest rate of other long-term life insurance policies except universal insurance accidents is 5 .95%.
3. China Life Insurance
Since 2065438+May 2006, the interest rate of China life insurance policy loan has been maintained at 5.5%.
4. China is safe
It is understood that the policy loan interest rate of China Ping An telephone sales channel is almost 5%. 20 17 where are the top 500 world security companies?
5. Pacific Insurance Company
Since CPIC has not announced the policy loan interest rate, Bian Xiao specially consulted the customer service in official website. The reply is: according to the loan interest rate stipulated in the policy, the interest rates of different types of insurance may be different. You can check your loanable policies and interest rates in the loan trial.
It should be noted that, except for some insurance companies that update the policy interest rate irregularly, some companies choose to update the policy loan interest rate in June 65438+1 October 1 and July1. Generally speaking, the interest rate of policy loans is between 5% and 7%.
I. Annual rate of return on insurance
The formula for calculating the annualized rate of return of insurance products is: annualized rate of return = income from investment/investment principal/investment days *365* 100%. For example, if an investor buys an insurance product with 30,000 yuan and earns 200 yuan within 60 days, the annualized rate of return of this insurance product is 200/30,000/60 * 365 * 65,438+000% = 4.056%. The annualized rate of return is a theoretical rate of return, which may have a certain gap with the actual rate of return.
Second, what is the annualized rate of return?
The annualized rate of return is only calculated by converting the current rate of return (daily rate of return, weekly rate of return, monthly rate of return) into annual rate of return, which is a theoretical rate of return, not a real rate of return.
Annualized rate of return The annual rate of return converted from the net income per 10,000 fund shares of the Monetary Fund in the past seven days. There are two ways to carry forward money market funds: 1. "Daily dividends are carried forward on a monthly basis", which is equivalent to daily simple interest and monthly compound interest; 2. "Daily dividends are carried forward daily", which is equivalent to daily compound interest. The calculation formula of simple interest is (∑ Ri/7) × 365/1000×100%, and the calculation formula of compound interest is (∑ RI/10000) × 365/7 ×100%, where RI