If you are interested in enjoying pension insurance, you can collect this article from your senior:
Xintai's "Ruyi Enjoy Pension Insurance" is a financial weapon? I was shocked to see the benefits! 》
1. Is it worthwhile for Xintai Life Insurance to enjoy pension annuity insurance?
Senior, before it's too late, let's go directly to the above picture:
After reading the product diagram given by my senior sister above, we can see that the insurance conditions of Ruyi pension insurance involve the insurance age, the insurance period and the payment period, and provide two kinds of insurance responsibilities: death protection and pension annuity.
At the same time, Ruyi enjoys pension insurance and supports two other rights and interests services: policy loans and automatic premium payment.
Then, the senior sister will explain to you what the characteristics of the wishful pension annuity insurance are!
1. The insured age range is wide.
As can be seen from the above figure, Ruyi enjoys the pension annuity insurance, which gives people who are born from 5 days to 69 years old the opportunity to insure, which means that the maximum insurance age of this product is 69 years old! Compared with the same type of products on the market that can only provide for the aged 60 or 65, this product can give more opportunities for small partners to buy, and also allow more people to enjoy the comprehensive protection from the old-age insurance.
2. Other rights and interests are practical.
According to the terms, Ruyi enjoys pension insurance covering two other rights and interests services, namely pension annuity and death insurance, which can be said to further enhance the practicability of the policy to a certain extent.
For example, for the service of policy loan, the sum of the loan amount plus various arrears and interest does not exceed 80% of the cash value of the contract at that time.
If you encounter poor capital turnover during the insurance period, you can apply for a policy loan through an insurance company under the condition of meeting the contract loan, so as to solve the urgent need and increase the liquidity of assets.
3. Warranty for 25 years
Ruyi's pension pension insurance can actually be guaranteed for 25 years! To put it simply, if you start to receive the old-age pension, you must at least ensure that the insured has received the old-age pension for 25 years.
If the applicant dies 25 years before receiving the pension, the insurance company will give the remaining unpaid pension to the beneficiary; If you receive a 25-year pension and the insured is still alive, you can receive it continuously until the insured dies.
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2. What is the income of Xintai Life Insurance from enjoying pension annuity insurance?
Take a senior person as an example: 40-year-old male, guaranteed for life, with a payment period of 3 years. The annual premium is as high as 654.38+10,000 yuan, and the basic insurance amount is as high as 30,007 yuan. He began to collect it at the age of 60, and chose to pay it annually as an example. This person's income is analyzed as follows:
As can be seen from the income demonstration chart given by the senior sister above, the total premium paid by the insured is 300,000 yuan. By the 29th policy year, the total pension received by the insured is as high as 300,070 yuan, and the total income has exceeded the premium paid, and the net income has been obtained!
However, it should be noted that the above income is actually a demonstration result, and the specific income should be subject to the actual policy.
Third, senior sister suggested.
Generally speaking, the coverage of Ruyi Pension Insurance is still good, and the rights and interests are practical, and it is guaranteed to be collected for 25 years. The comprehensive cost performance is good, and it is worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister arranged a lot of value-for-money and solid annuity insurance. You can choose the best one here:
The top ten commercial endowment insurance market with cost performance! 》
Write it at the end
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