Friends, I'm Hui Jiajun
Friends who are familiar with Fude Life Insurance know that this is a company that wants to kill its peers, first roll up its own insurance company, and even beat itself every time it is ruthless!
This is not, in the case that there are no competitors in Fuduoduo No. 1 and Xinxi Nian BFude Life Insurance has launched the C model of Xinxi New Year!
Although the Xinxi series has always been an excellent IP in the pension market.
But can the C model of Xinxi Nian catch up with other products in the Xinxi series?
Today, we will evaluate these four products of Fude Life Insurance in detail:
Xinxi Nian Exclusive Edition
Xinxi year A (alias Fu Duoduo No. 1).
Xinxi year B (alias Xinxi year 2024).
Xinxi year C paragraph.
Analysis of the advantages and disadvantages of the Xinxi Nian Nian series
As a rule, let's take a look at the basic form of the product first:
It can be seen that most of the 4 products have the same insurance rulesAfter receiving it, there is a current price, which supports insurance reduction, and in addition to paragraph C, the other 3 models have two plans for everyone to choose from!
However, each has different strengths and emphases:
1. Insurance rules
Paragraphs A and B do not require health notification, C and Premium Edition are comparedThere are clearly 3 health notification requirements, but compared with other annuity insurance on the market, the overall is relatively relaxed.
In addition, paragraphs A, B, and C all support a maximum payment period of 20 years, and the premium version supports a maximum of 10 years of payment
However, the A model Fuduoduo No. 1 will be removed from the shelves for 15 years and 20 years after December 28.
2. Pick up the design
In this regard, each of the four products has its own advantages, which are mainly reflected in the duration of the current price and the level of longevity payment.
Claim at the current priceThe cash value of A, B and C will only last until the age of 90 and if the policy is not surrendered or dies before the age of 90Then you can only continue to receive it, and you cannot surrender the policy or receive the death benefit to your family.
The Xinxi Nian Exclusive Edition lasts for life at the current price!
Birthday gold: In addition to Fuduoduo No. 1, the other three have birthday money;
And it can be seen that if a 40-year-old man pays 100,000 yuan a year, pays for 5 years, and receives it at the age of 60:
Exclusive Edition: 88-year-old to receive 1 times the birthday payment;You can receive 49,600 yuan.
Section B: 85 years old to receive 15 times the birthday payment, 95 years old to receive 5 times the birthday pension;85 years old,You can get 76,050 yuan, 95 years old,You can get 25350,000 yuan.
Section C: 86 years old to receive 2 times the birthday payment. 86 years old,You can get 97,400 yuan
It should be noted that although the birthday fund can increase cash flow, the birthday fund needs to reach a fixed age to get it, otherwise it is a flower in the mirror and a moon in the water.
3. Universal account
Of the 4 products, only the Xinxi Nian Nian Premium Edition has the requirements of universal account + main insurance.
This universal account does not have the requirement that the total premium of the main insurance can only be configured when it reaches the amountAfter applying for the main insurance Xinxi Nian Nian Premium Edition, you can configure a universal account for an extra 100 yuan.
Overall, it is very friendly to friends who want to configure a universal account and don't want to spend too much money to buy master insurance!
To sum up, from the perspective of the form of protection, these four products have their own merits;
Xinxi Nian Nian B will be slightly better because of the receipt of the birthday payment, and the universal account unique to the Xinxi Nian Nian Exclusive Edition is also very good.
Therefore, if you have longevity genes at home, it is recommended to choose the B, C, and Premium versions with longevity money.
If your physical condition is not very good and you are worried that you will not be able to pass the underwriting, you can choose Fuduoduo No. 1 and Xinxi Nian Nian B without health notice and the current price continues until the age of 90.
After analyzing the protection form, let's take a look at the income performance of these four products.
Xinxi Nian Nian series
How are earnings performing?
Without further ado, let's just use the case demonstration to calculate!
Let's take a 40-year-old man, pay 100,000 yuan a year, pay for 5 years, and receive it at the age of 60 as an example:
1. Receive money
It can be seen that the difference between these 4 products is quite big at the level of annual receipt!
Fuduoduo No. 1 (52,100 yuan) Xinxi Year 2024 (50,700 yuan) Xinxi Year C (49,700 yuan) Xinxi Year (Premium Edition) 49,600 yuan.
2. Cumulative collection
It can be seen that with the blessing of the birthday payment, the cumulative income has changed.
When the policy age reaches the age of 90, Xinxi Nian (Premium Edition) will receive the lowest cumulative amountfor 158720,000 yuan.
Xinxi year B cumulative receipt of the highest,for 1647.75 million yuan,It is 5 times higher than the Xinxi Nian Exclusive Edition290 thousand.
This is followed by Fuduoduo No. 1, which has a cumulative total of 161510,000 yuan, Xinxi year C paragraph 164010,000 yuan.
When you reach the age of 100, the cumulative collection of the four products is still the sameThere is no change, and the highest is still 240 in the year of Xinxi830,000 yuan.
The lowest is still the Xinxi Nian Exclusive Edition 208310,000 yuan,It is 31 less than the B section of the Xinxi year990,000 yuan.
3.Guaranteed pick-up
4 products do not have a *** collection period, but the cash value can be guaranteed in the event of death.
The guaranteed period refers to the period in which you unfortunately pass awayThe insurance company will give the remaining money to the beneficiary in a lump sum.
When choosing a pension, it is generally recommended to choose the first receiving period, and ensure that you receive a long-term pension, so that you can get more money from the bottom, which is a defensive guarantee.
Although the four products do not have a *** payment period, the money obtained by the guarantee is actually not a lot, because the cash value of the four products is very high.
Take death at the age of 60 as an example, how much money can be received back after death at this time?
Xinxi Year (Premium Edition): 60820,000 yuan, which is equivalent to a guarantee for 12 years.
Fuduoduo No. 1: 6640,000 yuan, which is equivalent to a guarantee for 12 years.
Xinxi Year 2024: 6690,000 yuan, which is equivalent to a guarantee for 13 years.
Xinxi year C paragraph: 6590,000 yuan, which is equivalent to a guarantee for 13 years.
Therefore, when choosing a pension, in addition to paying attention to the guaranteed period,Also pay attention to the corresponding amount, do not simply choose to guarantee the longer the redemption period, the better.
4.IRR Interest Rate
When choosing a pension, in addition to paying attention to the annual receipt and life expectancy, it is also necessary to look at the cash value, and the IRR interest rate can be compared with the same age, which has the highest total survival return:
Xinxi year B IRR can reach 438%Fuduoduo No. 1 IRR can reach 421% Xinxi Year C Section 417% Xinxi (Premium Edition) receives a pension from the beginningThe IRR rate is always in fourth place413%。
To sum up, Fuduoduo No. 1 has the highest amount of money received every year, and Xinxi has the highest cumulative amount of payment B every year, and the IRR is also the highest
Xinxi Year (Premium Edition) although the annual claim and cumulative claim are the lowest,However, the cash value lasts for life and is the most flexible of the four pensions.
So if the body is not so good,If you pay more attention to receiving, it is recommended to give priority to Fuduoduo No. 1.
If the family has longevity genes and wants to receive a high cumulative amount, you can give priority to Xinxi New Year's B paragraph when you reach the age of 100The amount received is nearly 300,000 pensions higher than the other three.
Write at the end
Each of these four products has its own advantages, and the service channels and emphases are different.
The main summary is as follows:
Xinxi Nian Exclusive EditionThe main advantage is that the current price lasts for life, and there is a lifetime death benefit, which is more flexible.
But it should be noted that his annual and cumulative benefits are not the highestThe current price and death benefit are also the lowest.
Xinxi year A paragraph (Fuduoduo No. 1)., This product is mainly collected, the highest annual receipt, and there is no need for health notification, and the current price is only lower than the B model of Xinxi Year.
It is suitable for people who are most demanding to receive a high collar and are not so good in physical condition.
Xinxi year year b paragraph,This product has the highest annual and cumulative benefits, and the current price is still the first after the pension begins to be received.
And there is currently the largest number of birthday pensions on the market, but you need to reach a certain age to receive them.
Xinxi year C paragraph. This product firmly occupies the midstream position, ranking second in the total amount received and IRR by young women.
That's all for today, ifI want to combine my personal situation to calculate the product, consult on insurance, and formulate a plan, you can send a private message to Hui Jiajun for 1v1 consultation!