Reading guide:The problem of pension,With the end of the year, everyone is "snapping up" personal pensions to save taxes,The topic of pensions has once again been taken seriously by everyone,Then this State-owned Assets Supervision and Administration Commission's Great Wall Life Insurance and Mingya customized [Caritas Jincai 2.0] of the pension, how is it?Why can you conquer everyone's hearts?
Table of Contents: 1, [Caritas Gold Lottery 2.]0] What kind of pension is an annuity?
2. What are its ten major features?
3. Look at the data + actual case analysis!
4. What kind of insurance company is Great Wall Life?
One, [Caritas Jincai 2.]0] What kind of pension is an annuity?
1. Product elements.
It can be fixed, it can be lifelong, it can be 100 years old.
You can apply for insurance when you are born in the full month, and the payment method is all channels.
The maximum age of insurance can be 69 years old, and the latest can be 70 years old, and you can start receiving a pension.
2. Product attributes.
No occupational category, no surcharge, no physical condition requirements, no health notice, diversified plans, sweet or salty, whatever you want.
3. Product liability.
Pension:
Option 1, Option 2, Option 4: Annual basic sum assured to life;8. Monthly basic sum assured5% to life.
Option 2: Annual Basic Sum Insured;8. Monthly basic sum assured5%;
Option 1, Option 2: No guaranteed payment period.
Option 3: 20 annual guaranteed periods, 240 monthly guaranteed periods.
Option 4: 25 annual guaranteed periods, 300 monthly guaranteed periods.
He Shoujin:
Plan 2 only: Male maturity: Basic sum assured 536828%
Female maturity: Basic sum assured 611837%
Death Benefit:
1) Before the first pension is received: the current price of the premium paid, whichever is greater.
2) After receiving the first pension:
Option 1 and Option 2: Premiums Paid minus Annuity Received;
Option 3: Annual,20 Basic Sum Insured - Annuity Paid;Monthly collar, 204 Basic Sum Assured - Annuity paid.
Option 4: Annual, 25 Basic Sum Insured - Annuity Paid;Monthly, 255 Basic Sum Assured - Annuity Paid.
Second, what are its ten major characteristics?
1. Change the collection method.
For annual or monthly payment, you can also flexibly change it after receiving it again!I have to say that the design is particularly user-friendly!
2. Change the age of recipients.
Now I don't know when to start receiving, we can choose the earliest age to start receiving, and then with the growth of age, family changes, and then choose the age you want to receive, this can also be changed with Great Wall Life Insurance before receiving.
3. Change the protection plan.
This Caritas Gold Color 20There are 4 plans for receiving the method, and these 4 plans can be flexibly changed before receiving them.
4. Change others to collect on your behalf.
The policyholder and the insured can agree that the non-insured person himself will receive the pension, that is to say, when he is old in the future, the child is filial, and he can let the child lead the way, and he can also let the collateral relatives who are filial to him receive it.
5. A second policyholder can be designated.
The policy can designate a second policyholder, especially when parents buy for their children, and this second policyholder is especially needed.
6. The sub-standard body also receives a higher premium.
A medical examination report is provided for insurance.
EM (100-200) sub-standard body 1 rate, compared with the standard body under different schemes at most, 13% more
EM (201-300) sub-standard 2 rate, compared with the standard body under different schemes, at most, 21% more
Insurance
In the first 10 years after the insurance takes effect, you can add 20% of the basic amount of insurance every year, and it can also be understood that we pay 20% of the annual premium, and it is limited to 5 times in 10 years, for example, if we pay 100,000 a year, then we can add a total of 100,000 * 20% = 20,000 * 5 = 100,000 in the first 10 years, then we are equivalent to adding another policy, and when the time comes, it is double the collection.
The payment cycle can be extended
For example, we choose to pay for 10 years, but in the first 5 years of the policy, I want to extend the payment period to increase the amount to be received at that time, according to the age setting, I can extend the payment from 10 years to 15 or 20 years.
9. It can be used with a universal account.
It is still such a wonderful universal account, and the receiving fee is the lowest in the industry, and it can also be added.
10. It can be insured from one generation to the next.
It can be a grandparent, a maternal grandparent, a sibling of the parents, or an adult sibling who is insured between generations, and can provide proof of the corresponding relationship.
Third, look at the data + actual case analysis!
Case demonstration: 40-year-old male, pay an annual premium of 100,000 yuan, pay for 10 years, and start to receive at the age of 60:
Option 1:If you choose to receive it annually, you can receive 95,000 yuan per year;If you choose to receive it monthly, you can receive 8,075 yuan per month;Guaranteed for life, live as long as you want. By the age of 80, he had received a total of 1,995,000 yuan, and the premium had almost doubled.
Option 2:There is no difference in the amount received, the difference is in the duration of coverage, which is only covered until the age of 85. At the age of 85, a lump sum of 509,986 yuan will be paid, and the policy will be terminated. By the age of 85, he received a total of 2,375,000 yuan, and with 1 million funds and 35 years, he received a pension of 2,375,000 yuan + 509,986 yuan = 2,884,986 yuan.
Option 3:If you choose to receive it annually, you can receive 85,200 yuan per year;If you choose to receive it monthly, you can receive 7,242 yuan per month;Guaranteed for life, live as long as you want. Guaranteed for 20 years with a cash value for the policy. At the age of 79, if you choose not to receive an annuity, you can also return 494,890 yuan.
Option 4:If you choose to receive it annually, you can receive 77,800 yuan per year;If you choose to receive it monthly, you can receive 6,613 yuan per month;Guaranteed for life, live as long as you want. Guaranteed for 25 years with a cash value during the benefit period. At the age of 84, if you choose not to receive an annuity, you can also return 335,440 yuan.
Finally, I would like to share a case of applying for insurance from me in the past two days, and after getting the consent of the customer's young lady, I will share it, hoping to learn from you and help more people. 33-year-old young lady, pay 100,000 yuan per year, pay for 5 years, a total of 500,000 total premiums.
After the young lady found me, we did the sorting and communication of the needs, and then confirmed the needs of the commercial pension. Then, we made a corresponding evaluation of the various insurance products that fit our ideas, and in the end, we still think that this Great Wall Life Jincai Pension 20 is more suitable for us, so we chose this one.
Starting at the age of 55, he will receive a pension of 3,833 yuan per month until his life, and he will receive it for as long as he wants. She said: "Together with my social security pension, I have a pension of 6-7k per month, which is enough." "A planned life, prepared in advance, is more free and easier.
Summary: It has everything you want, you can change what you want, and you can make your own decisions about what you want!
Fourth, what kind of insurance company is Great Wall Life?
Great Wall Life Insurance is a national life insurance company founded in 2005, an important subsidiary of the State-owned Assets Supervision and Administration Commission of Xicheng District, Beijing, and a holding company in the financial sector of Beijing Financial Street Investment (Group)**.
Headquartered in Beijing, the company's business scope mainly includes: life insurance, health insurance, accident insurance and other types of life insurance business, as well as the above business reinsurance business.
The registered capital is 553.2 billion yuan, with total assets of more than 80 billion yuan. There are 14 provincial branches in the country, with a total of nearly 230 institutions.
I have written about the detailed introduction of Great Wall Life Insurance before, and I have also written a lot of products of Great Wall Life, so I will not repeat it here, you can take a look if you are interested.
Abbreviation: SASAC's insurance company (reliable).
There are still a lot of things to pay attention to when buying endowment insurance, and we should be more careful in the process of insurance. Everyone's situation and needs are different, just choose the one that suits you and your family, if we encounter any difficulties in insurance, you can consult me, I hope it can help you. About this Minya customized Great Wall Life [Caritas Jincai 2.0] That's all for the sharing of pensions!
About myself:
I am a pure novice in the education and training industry into the insurance industry, and now I am a senior partner of Minya Insurance Brokers, unlike the general insurance marketer, insurance brokers do not belong to any insurance company, and will not sell insurance products to you, but when you need to understand insurance and do not know where to start, in the face of complex and cumbersome terms, act as your private insurance consultant, according to your actual protection needs, for you to select the most suitable insurance products, save premium expenses.
I insist on updating and continuing to output articles, so my customers are basically from all over the country, and the fastest transaction is a strange customer friend within 24 hours, and the total premium of 500,000 savings insurance has been transacted. There is also a week to find me to buy a total premium of 2 million pension strange customers, this year in the country of customers greatly trusted, this year with 6 months to reach the global MDRT member MDRT, so once again grateful for the fate of the meeting, I am inspired to restore the insurance should be the way it should be, serious, rigorous, responsible, worthy of every customer who trusts me.
So now I only do two things: that is, to be a good insurance broker around you, not to stand for any insurance company, and to bring you better solutions in a down-to-earth manner!Solve everyone's most practical problems!At the same time, we will find you in the same frequency, fight side by side with you, and achieve the best of ourselves and the best of us together!
About my team: