Author: Qibai
At present, with the slowdown of economic growth and demographic changes, more and more people are paying attention to how to ensure the safety and stability of assets compared with the risk appetite of the market to obtain high returns in the past.
Recently, Taiping Life Insurance launched a new product - Taiping Guoqiang No. 1 Whole Life Insurance (hereinafter referred to as "Guoqiang No. 1"), which is a product that takes into account personal risk protection and family asset allocation through Taiping Life's continuous polishing, aiming to resist uncertain market changes with deterministic value growth and provide exclusive risk management solutions for Chinese families.
Use wisdom to protect family wealth and strengthen the countryProvide customers with "certain" guarantees
At present, the uncertainty of the financial environment is increasing, and insurance products are becoming more and more popular choices for mass consumers, and the increase in whole life as a reserve insurance product is one of the "sweet spots". Despite the insurance product 3The era of 5% interest rates is a thing of the past, but even 30% era, cost-effective increased whole life, but also the leader among many stable products.
Increasing whole life is also known as "life insurance that will grow up", taking Guoqiang No. 1 as an example, the effective sum assured of the policy increases at an annual compound interest rate of 3% year by year, providing customers with lifelong certainty and continuous growth of value protection.
For example, if a 30-year-old male buys Guoqiang No. 1 for himself and pays an annual premium of $20,000 for a period of 10 years, the basic sum assured in the first year is about $165992, and from the second policy year, the effective sum assured will increase by 3% compound interest on the basic sum assured. If the premium is paid in accordance with the contract during the insurance period and no operation such as insurance reduction is carried out, then when he reaches the age of 55, the effective sum assured of the policy will be doubled to about 340,000 yuanBy the time of 80, the policy will have an effective sum assured of about $700,000.
Not only can the effective sum insured grow year after year, but the cash value of the policy will continue to increase over time. To put it simply, the longer the time, the higher the value of the policy, and the annual cash value of the policy is written in the insurance contract in black and white, so the security is guaranteed.
As an increased whole life insurance, Guoqiang No. 1 not only increases the attributes, but also gives full play to the characteristics of protection and inheritance. In the event of the death or total disability of the insured, the insurance company will pay the insurance money to the beneficiary, and the policyholder can effectively inherit the family wealth by designating the beneficiary. In this way, it not only provides value protection, but also realizes the accurate inheritance of assets.
In recent years, due to the volatile international situation and the global economic downturn, more and more people have realized the importance of capital liquidity. Cash flow is the foundation of an individual's life and a guarantee for the continuous operation of a business. Therefore, liquidity is a factor that must be considered when evaluating and allocating financial assets.
In addition, Guoqiang No. 1 has the function of policy loans, which can meet people's needs for liquidity, and also help to respond to emergencies in life in a timely manner, and alleviate economic pressure when individuals are financially vulnerable.
At a time when mass consumers generally pursue safety and stability, and pay attention to cash flow management, Guoqiang No. 1 has been warmly sought after by users as soon as it was launched.
Taking into account the needs of customers of different ages, Guoqiang No. 1 provides customers with comprehensive services in addition to insurance protection
When buying insurance, you should not only choose the product, but also look at the comprehensive service ability of the insurance company. In the context of economic development and demographic changes, consumers' demand for insurance has undergone profound changes, and insurance has gradually changed from a single economic compensation product to a comprehensive solution that integrates services and risk protection. As a life insurance subsidiary of China Taiping Insurance Group, a state-owned financial enterprise, Taiping Life adheres to the supply of high-quality insurance products and services, and strives to build an "insurance +" modern customer service ecosystem to meet customers' in-depth needs for a better life. This is also where Guoqiang No. 1 is very attractive.
It is worth noting that Guoqiang No. 1 has a low insurance threshold and a wide range, not only flexible payment forms, supporting monthly premium payments, but also relaxing the upper age limit to a maximum of 75 years old, taking into account the needs of customers of different ages, especially for elderly customers, in addition to having basic insurance protection, they also have the opportunity to enjoy long-term health management, medical care and other high-quality rights and interests as Taiping Life members, and achieve a high-quality life.
At present, "insurance + medical care" has become a business card of Taiping Life in the insurance industry. In terms of "insurance + big pension", Taiping Life adopts the combination of "heavy, medium and light", and initially forms three major pension service businesses of "Happy Home", "Happy Travel" and "Happy Home" to meet the diversified, differentiated and high-quality comprehensive service needs of customers, up to now, the layout of 46 pension communities across the country, covering 22 provinces and 38 cities;In terms of "insurance + health", Taiping Life Insurance combines self-construction, equity participation and cooperation, and builds a health management service platform that integrates online and offline, integrates domestic and overseas finance, and covers the whole life cycle of customers through the layout of the whole industrial chain of "medicine, medicine, health and maintenance".
Starting from the needs of customers, Taiping Life takes the new ecological service model of "insurance + medical care" as the starting point to realize the long-term commitment of insurance to customers and escort the whole life cycle of customers.
Cope with the complex changes of life with steady growth;With a long-term mentality, calmly face the uncertainty of the future. At the moment of many uncertainties in the current environment, it is a wise choice for Guoqiang No. 1 to truly realize the "offensive and defensive" of family assets and help deal with the unknown risks brought about by market fluctuations.
Note: This material is only for the purpose of understanding the product, and the specific insurance liability and liability exemption are subject to the product terms and insurance contract.