Jingfu Hongyun
Recently, the insurance industry has faced the adjustment of "integration of newspapers and banks", and many insurance companies have tightened their insurance channels.
The new products will be more conservative, so they will be more pro-dividend products that can provide future rollovers.
For example, Beijing Life Insurance has launched a new participating insurance called Jingfu Hongyun, which focuses on stable income.
So how about Jingfu Hongyun?What are the specific benefits?
Let's take stock of it.
|Jingfu Hongyun Assessment
|Jingfu Hongyun earnings
|Daddy's summary
1. Jingfu Hongyun evaluation
As a matter of thumb, let's take a direct look at the guarantee content of Jingfu Hongyun.
It is worth mentioningThis product has not yet been officially launched, please refer to the insurance page for the follow-up content
1. Insurance rules
Jingfu Hongyun'sThere is a wide range of age groupsfrom birth28 days to 60 years oldare eligible for insurance.
The policyholder can choose according to his/her ownneeds and financial situationand choose this insurance product to protect yourself.
The duration of the coverage is lifelong, yes3 articlesDisclaimer with no waiting period.
In addition, Jingfu Hongyun provides a variety of payment methods for customers to choose from, and can choose to pay in installments of up to 20 years.
2. Guarantee content
In terms of security content, Jingfu Hongyun providedDeath Total Disability Benefit and Increment Agreement, which belongs to the increased dividend insurance.
Whether it is accidental death, death from illness, or total disability, as long as the insured triggers the corresponding conditions, you can get the corresponding protection.
The specific amount of compensation is based on the age of the insured at the time of the accident, and the details are shown in **.
The proportion of the increase is agreed to be, which is slightly lower than the mainstream market, but don't forget that this product also has policy dividends.
3. Policy rights
Jingfu Hongyun's other rights and interests are quite rich, except for the basicsPolicy Reduction and Policy Loansaddition, also supportedSecond, the policyholder and the premium are paid in advance
In addition, there is a wealth of added value, including:Beijing Life VIP services, insurance trust, Zijinhui VIP servicesWait.
These benefits provide more flexibility and convenience to policyholders, extending the protection benefits of the policy.
Second, the income of Jingfu Hongyun
Below the daddy toA 30-year-old man is an example of applying for Jingfu Hongyun, with an annual payment of 100,000 yuan for 5 years, a total of 500,000 yuan
We can see that the revenue growth rate of Jingfu Hongyun is not bad.
After the end of the payment period, the current price of the policy can be recovered, which indicates that the income of the insurance product is relatively stable.
Moreover, when the policyholder reachesAt the age of 60, the cash value is the nearest premium paidTwice as much, reached927,090 yuan, which further proves the profitability of this insurance product.
Of course, different investment decisions will also bring different returns.
If you choose to be inAt the age of 60Surrender, the corresponding internal rate of return (IRR) is 231%。
If you choose to continue holding the policy, thenWhen you reach 100 years oldThe current price will be reached2488590 yuan, the corresponding IRR is 242%。
Although this yield does not seem to be very high, it should be noted that Jingfu Hongyun can enjoy dividend appreciation.
This part of the income is the guaranteed income, let's take a look at the dividend part.
Consistent with most wealth management insurance, the income growth rate of the dividend part is not obvious in the early stage, but if you insist on holding the policy, it will bring considerable income.
In addition, by cooperating with the guaranteed income, the overall income is quite good, which can provide more protection for the future pension life.
To sum up, the longer the policy is held, the more dividend income it has, which makes the overall income of the policy higher.
This is important for those who want to have a stable income in retirement**.
At the same time, the income performance of this insurance product has fully demonstrated its robustness and long-term income potential.
Therefore, for those who are looking for long-term investment and pension security, Jingfu Hongyun is undoubtedly an option worth considering.
3. Daddy's summary
In general, Jingfu Hongyun's performance is excellent in terms of protection content, policy rights and income.
This kind of participating insurance products may gradually become the mainstream of the market, so please pay more attention if you plan to allocate them.