Jin Xingzu No. 5, due to the high policy benefits, high collection, easy policy reduction and cash value can last up to 104 years old, there are many bright spots, so there are many friends who have consulted since its launch.
Jin is satisfied with No. 5, how to buy it for different groups of people.
However, I was notified:
Kim is satisfied with the 5th deadlineDecember 31, 2023 at 24:00, will stopInsured persons aged 1 year or older apply for insurance.
So, we recommend it to you one last timeKim Satisfaction No. 5This annuity insurance, interested friends hurry up and get on the car
Today, we have made an insurance plan for different groups of people according to different incomes.
Annual income of 10-200,000 yuan
25-year-old Mr. Z, who has worked for 4 years, has an annual income of 200,000 yuan and a deposit of about 150,000 yuan.
Mr. Z came from the countryside to work hard in the big city, and he knew what money he could earn and what money he couldn't touch.
Therefore, his idea of saving money is conservative, and he likes to keep it in a safe and secure place.
The purpose of Mr. Z's saving money is to hope that he will have children or parents in need in the future, and he will have a "small treasury" when he is old.
After taking a closer look at Kim Sat's No. 5, Z decided:
Pay 20,000 yuan per year, pay for 10 years, guarantee 10 years, and receive it at the age of 60.
As you can see, in the 10th year after just paying the premium,Cash Value Premiums Paid.
Mr. Z started at the age of 60232.68 million.
80 years old,A total of 4886.28 million, cash value 1760,000,Current price + cumulative annuity IRR up to 3235%
The longer Mr. Z lives, the more money he can receive
Suppose survival to 100 years old,A total of 9539.88 million, cash value 3540,000,Current price + cumulative annuity IRR up to 3529%
So equivalent to,Mr. Z exchanged 200,000 yuan for a pension of more than 950,000 yuanThis policy benefit is also leveraged in the market.
This money, whether it is used to subsidize children, parents or their own pensions in the later stage, is appropriate.
Moreover,Jin Satisfiedzu No. 5 can apply for a reduction in insuranceAs long as the policy has been in force for 14 months, the cash value after policy reduction will be deducted from the outstanding balance of $1,000.
Mr. Z feels very safe and is not afraid of running out of money in case of emergency.
Annual income of 20-500,000 yuan
Most of the friends with an annual income of 20-500,000 yuan are married with children or single high-income people.
The idea of saving money for this group of people is:
If you have a family and have children, you will set aside a sum of money for your children to start a business, buy a house, buy a car, get married, etc.
If the couple plans to dink, they will save money to subsidize the pension.
Friends with families with an annual income of 20-500,000 yuan
For example, Mr. and Mrs. M plan to giveThe insurance premium for 0-year-old children is satisfactory to No. 5, with an annual payment of 50,000 yuan, paid for 10 years, and received from the age of 70.
It can be seen that:When the child is 19-25 years old, he applies for a reduction of 30,000 yuan per year, a total of 240,000 yuan for 8 years, as a university and graduate education fund;
When the child is 35 years old, he can apply for a reduction of 500,000 yuan as a marriage or entrepreneurship fund
At this time, the child's insurance was reduced by a total of 740,000, which was already 1 of the premium of 500,00048 times!
In addition, there is still about 440,000 in the cash value at this time, which can continue to increase in value in case of future needs.
If you do not receive it, until the child is 70 years oldYou can also receive about 8950,000, the longer you live, the more you will receive.
Assuming that the child lives to the age of 103, the cumulative pension is about 3.04 million.
At this time, the cumulative pension + cumulative insurance reduction + cash value is 38590 thousand,is 77 times.
Single friends with an annual income of 20-500,000 yuan
Ms. H, 35, has a high annual income, but she can't stand her parents' relatives from borrowing money from her.
This 50,000, that 100,000, relatives can always find a reason to borrow money from her all year round.
When asked to pay them back, they always put it back.
This year, Ms. H plans to stop borrowing money, and she said that she wants to put all the money she can't use in the insurance policyOn the one hand, when saving money, on the other hand, it can also increase in value.
As a result, Ms. H insured Jinxingzu No. 5, investing 300,000 yuan a year for 10 consecutive years, starting at the age of 60, and guaranteed to receive it for 10 years.
It can be seen that:Ms. H has a cash value of 347 in the 10th year of the policy4.72 million The total premium is 3 million.
Starting at the age of 60, it receives 27 per year5.49 million, Ms. H can live very comfortably in the days to come.
At the age of 70, he received a total of 303040,000, cash value of 390,000, current price + cumulative annuity IRR of 3006%
Survive to the age of 80 and receive a total of 57850,000, and the cash value is still 25560,000, the current price + cumulative annuity IRR of 3153%
The longer you live, the more you getAge 90 Age 100 Current Price + Cumulative Annuity IRR respectively. 599%。
In this way, even if she is an old man, Ms. H's retirement life is properly arranged.
Friends with an annual family income of about 500,000 yuan can refer to this plan of the M couple.
Friends with an annual income of about 500,000 yuan can refer to Ms. H's plan.
How much money is invested?How much can I claim?You can make an appointment with Huize Insurance Consultant, and we will give you a 1v1 calculation.
Annual income of more than 500,000 yuan
Mr. S is the largest parts manufacturer in a certain region, with an annual income of more than 10 million yuan, and his life is prosperous.
And his 18-year-old son also wants to make a career on his own.
So the year before last, his son took the initial capital of 10 million yuan given by Mr. S to invest in Shenzhen, but unfortunately the investment project only ran for 3 months and then failed.
Mr. S felt that instead of squandering the money for his son, it was better to save a sum of money for him.
First, you can keep money, and secondly, even if the company does not operate well in the future, or your son can't do a big business, you have something to rely on.
He gave his son a lump sum10 million gold satisfaction No. 5.
It can be seen that in the 9th year of the policy, the cash value of the premiums paid is 8910,000;
By the time Mr. S was 65 years old, the cash value was 130660,000 yuan, at that time, Mr. S can choose to take it out for retirement or continue to leave it to his children.
Assuming that Mr. S dies at the age of 85, the cash value of the policy can continue to increase as the insured
Assuming that Mr. S does not reduce the insurance until his son is 45 years old, the cash value will exceed 20 million, which is more than twice the premium paid.
The son starts at the age of 65 and receives 208 per yearPension of 50,000.
The son is 80 years old and has a cumulative collection of 33360,000 + 1625The cash value of 40,000 is 195 times.
The son is 90 years old and has received a total of 54.21 million + 789 cash worth 10,000, which is 621 times.
It is equivalent to an insurance policy, which protects the lives of 2 generations and truly solves Mr. S's worries.
Write at the end
In the current market environment,Kim Satisfaction No. 5Really a good choice.
One last word of caution,After December 31, people aged 31 and above can no longer be insured.
Everyone, hurry up and rush to the last time to get on the busIf you have any questions, you can pay attention to the private message and let us know more