With the improvement of people's material living standards and the development of medical technology, the average life expectancy has been continuously extended.
The 14th Five-Year Plan for Social Security states that a gradual delay in retirement will be achieved, and the retirement age will be raised to 65 by 2035. In this regard, many young and middle-aged people who are facing the pressure of delaying retirement have begun to worry about the cash flow of the pension after retirement, and choose to supplement the protection through commercial pensions to cope with the risk of longevity and achieve "elegant aging".
In this context, major insurance companies are also gearing up to continuously launch more novel and high-quality annuity insurance products according to the changes in consumer demandAmong them, the three "Xinxi Nian Nian Pension Insurance" series products launched by Fude Life Insurance, a "major annuity insurer", are even more indispensable.
To this end, a special comparison was made to find that the top product in the current annuity insurance market should really be Xinxi Nian C, which is more in line with the current longevity pension cash flow planning needs, and it is worth a look!
Below, let's take a look at the specific situation of this product.
OneDetails of the coverage of Section C of the Year of the New Year
Let's take a look at the basic product form of Xinxi Nian C first:
There are many options to receive, and there is no anxiety about delaying retirement
In general, Xinxi Niannian C is quite flexible in terms of underwriting age, payment time and collection time. Especially in the context of the widely discussed delayed retirement policy, Xinxi New Year's C provides options for 70 and 65 years old, which is a good connection with the time when the new generation of young people need pension supplements the most.
In addition, Xinxi Nian Nian C is also very friendly to the elderly insured, and the 55-year-old single payment can also be realized at the age of 60, which is rare in the annuity insurance market.
Generous sum insured + birthday money, the older you get, the richer you are
In terms of pension that we are concerned about, the amount of insurance for the C section of Xinxi is also quite generous (annual amount = basic amount insured), not only the longer you live, the more you receive, but also on the 86-year-old policy anniversary, you can receive 2 times the basic sum assured at one time!
Taking a 55-year-old man, paying 100,000 yuan in a single payment, and receiving it at the age of 65 as an example, Xinxi Nian's C model has performed quite well in the popular products in the market, with an annual amount of 8,500 yuan, leading the way with a significant advantage. In addition, the age of receiving the birthday pension is also earlier than the 90-year-old and 100-year-old, which is still very fragrant.
The current price of the policy continues until the age of 90 and is satisfiedFlexibility for customersFundingRequirements
Careful people may have discovered that Xinxi Nian C does not have a pension guarantee, but this does not mean that Xinxi Nian C is not guaranteed. Because it pulls the "cash value" and "death benefit" together in the way of "guaranteed cash value": the cash value of Xinxi Nian's C can be "guaranteed" until the age of 90, and if the insured dies, Xinxi's Nian's C will pay a high amount of insurance to the designated beneficiary in a lump sum (if the insured dies after the pension begins to be paid, the cash value of the contract will be paid). This is the same as the function of the pension "guaranteed payment" to achieve directional inheritance.
In addition, we all know that a consistently high current price over a long period of time can give us more flexibility in how we plan our assets. If necessary, you can apply for a policy reduction and policy loan to receive part of the current price, the use of this money is not limited, not only for children's education, marriage, but also to supplement medical expenses, to solve urgent needs, very practical.
2. The policy benefits of Xinxi Year C
From the combing of the above, it is not difficult to find that Xinxi is re-surviving and lifelong in the C section of the year, and under the combination of high current price and high collection, the total survival benefit of the product is high, which is in line with the trend of extending life in the future.
So how does it compare with the other two popular annuity insurance of Fude Life Insurance?Let's take a 40-year-old woman as an example, pay 100,000 yuan a year for 40 years, to compare:
As can be seen from the figure above, the current price of Xinxi Nian's A paragraph is higher only before the age of 60, and the total survival benefit is higher between the ages of 69 and 77 after the start of collection, and the policy advantage time is short, and the comprehensive performance should be at the bottom of the three.
The total survival benefit performance and IRR of Xinxi Nian's B section before the age of 70 and after the age of 95 are high, but these two age groups are not the critical period for customers to provide for the elderly.
Because generally speaking, the probability of death before the age of 70 is very low, not to surrender, and the people who can live to be over 95 years old are also a minority, and in the context of the delayed retirement policy, it is likely that the age of 65 can start to receive pensions, so although the product advantages of Xinxi Nian Nian B are there, they are not cost-effective. (IRR is the internal rate of return, not the real rate of return).
In this way, the Xinxi Nian C section, which focuses on the total survival interests of "70-95 years old", is indeed more in line with the current longevity pension cash flow planning needs, and during the average life span of this large part of the population, the IRR of the Xinxi Nian C section is also higher, which is very suitable for customers with longevity genes at home.
3. Write at the end
In the era of low interest rates, 'wealth anxiety' has become a disease of the times, and everyone is worried that the assets they have worked hard to obtain will not be able to outperform the crushing of time. On the whole, whether it is from the high current price in the early stage to solve the flexible needs of customers, or in the later stage, the ultra-high pension, enjoy the same long cash flow as life, all reflect full sincerity. At the same time, the advantage of policy benefits between the ages of 70 and 95 makes Xinxi Niannian C firmly in the C position among similar products in the market, which is worth choosing.