The end of Xinyao Pengcheng is approaching, and the major insurance companies have launched corresponding sales plans and are ready for a "good start".
Xinyao Pengcheng is a product issued by Chinese Life, which is a fast-return annuity insurance and can also be attached to a universal account.
Most of these products are fast-return annuities, focusing on a stable cash flow.
So how about Xinyao Pengcheng?What is the income of this annuity insurance?
Let's take a look with Daddy.
As for the specific benefits, we will demonstrate and explain them in detail in the following sections.
1. Insurance terms
Xinyao Pengcheng's insurance age range is relatively wide, from0 to 72 years oldare all insured.
This feature makes Xinyao Pengcheng extremely universal, whether it is for the elderly or the younger generation, it can provide corresponding protection.
In terms of the guarantee period, Xinyao Pengcheng provides30 yearsThe insured can choose to pay the premiums in a single or regular payment according to their own needs.
The highest of these can be scored10 years of paymentThis payment method is not only flexible, but also effectively reduces the financial pressure of the insured.
2. Guarantee content
Xinyao Pengcheng belongs to the traditionQuick-return typeAnnuity.
Starting from the 5th policy year, the Insured will receive the annuity income.
Between the 20th and 24th annual dates, it will be returned every year20% of premium paid
When the coverage expires, the maturity payment protection can also be triggered, which provides200% of the basic sum assuredof payouts.
In addition, the death benefit liability is also more conventional, which is the greater of the premiums paid minus the sum of the annuity and care payments paid, and the cash value.
3. Policy rights
In addition to the basic protection content, Xinyao Pengcheng also provides a wealth of other rights and interests.
These include:Policy loans, annuity conversions, and universal accountsand many other services.
Annuity conversion refers to the process of converting the insurance money in the annuity insurance contract into annuity income, that is, the allocation of an annuity insurance.
For some seniors or retirees, annuity switching can be a good option.
Xinyao Pengcheng has a total of two universal accounts to choose from:Guoshou Xinzunbao, as well as Guoshou heirlooms
These services not only add value to the insurance product, but also provide more choice and convenience for the insured.
On the whole, Xinyao Pengcheng's security content is still good, and there are many commendable highlights.
Of course, for policyholders, in addition to paying attention to the content of protection, the most concerned is the specific income.
In the next part, let's take a look at Xinyao Pengcheng's earnings.
Daddy toA 30-year-old man, for example, pays 100,000 yuan a year for 10 years, with a total premium of 1 million
We can see that when the InsuredAt the age of 35, you can receive the annuity in the amount of19,810 yuan
It's not much money, but it's stable, and it can be used for daily living expenses or investment planning again.
And when the insured is 49 years old, the current price of the policy comes956,260 yuan, IRR also came
Although the current price does not exceed the premiums paid, the total amount is brought together with the annuity payments received1253410 yuan, successfully achieved return on investment.
When the benefit expires and the insured is still alive, the maturity payment will be paid, and the total benefit will come1435820 yuan, IRR is
And this is just a simple annuity income, we still have a universal account that has not been counted.
If the insured has been transferring the annuity to the universal account, the income can be even higher.
At this time, it happens to be the retirement age of the man, and this fund is very suitable for retirement.
On the whole, Xinyao Pengcheng's income is still quite considerable, which can be used for savings and as a future pension.
All in all, Xinyao Pengcheng is a quick-return annuity insurance with a protection period of 30 years, which is also considerable in terms of income.
However, it should be noted that the interest rate of the universal account is not guaranteed, and there may be certain fluctuations in the income.
When we configure this type of product, we need to choose based on our own risk tolerance and needs.