The superiority and comprehensive strength of the product are directly related to the quality of life of the elderly in the future.
When choosing the right pension insurance for you, paying attention to the basic rules of the product, cash value, receipt, value-added services, etc. has become the top priority.
Recently, there is another excellent product on the market that combines all of the above - Fosun Prudential Life's new product, Xinghai Winner (Tiger Roar Edition). Next, we will explain them one by one.
1. Basic Information
Old rules, first of all, let's take a look at the basic information of Xinghai Winner (Tiger Roar Version) pension insurance.
Product form
Xinghai Winner (Tiger Roar Edition) is underwritten by Fosun Prudential Life Insurance, and the insured population is relatively wide, and you can apply for insurance from 30 days old to 65 years oldThere is no health notice, the purchase threshold is relaxed, and it is suitable for friends with complex physical conditions or serious illnesses to supplement the elderlyThere are many options for payment periods, the longest is 20 years, which is suitable for friends who want to pay for a long time.
Death liability
If the insured person dies before receiving the pension, the greater of the premiums paid and the cash value will be paid
If the insured passes away after the pension has begun, the remaining guaranteed payment will be paid in a lump sum.
Annuity payment
Xinghai Winner (Tiger Roar Version) is a lifelong pension insurance, as long as the insured is alive, you can receive a pension for a lifetime. In terms of the start of the collection time, women can choose to receive at the age of 55, 60, 65, and 70, and men can choose to reach the age of 60, 65, and 70 to start to collect.
There are two types of payment methods: annual and monthly, of which the annual amount is the basic sum insured received each yearThe monthly payment amount is 85%。
There are also two types of receiving schemes:
One is for customers who need death benefits and cash value20-year guaranteed payout, 25-year cash value
The other is aimed at customers who are looking for higher pensions, and offers10-year guaranteed payout and cash value
And the two plans can be applied for exchange before the official collection, which not only gives the right to choose but also leaves enough room for change, so that customers can be more flexible in the control of pension cash flow, and people with strong financial self-discipline will like it very much.
2. Amount and cash value
Generally speaking, when choosing an annuity insurance product, you can mainly look at three criteria: the amount received;Cash Value;Death benefit.
In terms of death liability, we have already mentioned above, and here we will make a specific analysis of the amount and cash value of Xinghai Winner (Tiger Roar Version).
Or take a 30-year-old male customer who is insured, pays 100,000 yuan a year, pays for 10 years, and receives an old-age pension from the age of 60 as an example:
1) How much can the winner of the Star Sea (Tiger Roar Version) receive?
As can be seen from the above table, under the same payment and receipt method, if Mr. Lu chooses plan 1 and guarantees to receive it for 20 years, he can receive 111,280 yuan per year from the age of 60, which is equivalent toMonthly collar 927333 yuanThe total guaranteed payout amount is 222560,000 yuan.
If the customer chooses Plan 2 and guarantees 10 years, he or she will receive $131532 per year from the age of 60Monthly collar 1096175 yuan, the total guaranteed amount is 1315.32 million yuan. And when Mr. Lu is 67 years old, that isReceived 8 annuities, the cumulative annuity is 10522.56 million yuan, that's itMore than the premium paidThe next 131532 yuan received each year is equivalent to the increase in the value of the policy!
It is worth mentioning that the current price of Xinghai Winner (Tiger Roar Edition) has grown rapidly in the early stage, taking the above-mentioned insured customers as an example, in the 11th year of the policy, its cash value has exceeded the premium paid, which can well meet the needs of customers who have a demand for capital liquidity.
2) What are the advantages of Xinghai Winner (Tiger Roar Version) compared to Xinghai Winner (Dragon Teng Version)?
It can be seen that in terms of pensions, the winner of Xinghai (Dragon Edition) will be higher;And in terms of cash value, Xinghai Winner (Tiger Roar Edition) is even better.
Compared with several other popular products in the annuity insurance market, Xinghai Winner (Tiger Roar Edition) also has obvious advantages in annuity collection and current price. Consumers who want to be more flexible in asset planning after aging can focus on it.
IIIValue-added services
At a time when the aging population is deepening and diversified pension needs are emerging, insurance consumers are looking forward to seeing more "point-to-surface" pension insurance.
To this end, Fosun Prudential Life Insurance not only gives Xinghai Winner (Tiger Roar Edition) a strong competitiveness of "high receipt and high current price" in terms of asset planning, but also relies on the Group's comprehensive ecological service system to empower and provide value-added services for Xinghai Winner (Tiger Roar Edition).Financial consulting, pension, high-end life, education and sojourn services.
For example, if they meet certain age and payment conditions, customers who apply for Xinghai Winner (Tiger Roar Edition) pension insurance can obtain the "Zhenxing Guardian Health Service System" covering medical services, famous doctors, critical illness green pass, health check-ups, high-end medical care and other rights and interests, as well as the "Fuxing Fort" high-end pension community in multiple core cities.
According to Chen Hongjin, general manager of Fosun Prudential Life Intermediary Internet Business Department, at present, Xingbao Pension Community has been implemented in Shanghai, Beijing, Tianjin, Ningbo, Suzhou and other places, and is mostly close to the urban center, with convenient transportation, perfect living facilities, rich surrounding medical resources, and has established green pass cooperation with a number of tertiary hospitals.
This is very attractive for friends who are now looking forward to high-quality pension.
In addition, according to Chen Hongjin, in the later stage, Xinghai Winner (Tiger Roar Version) can also dock with Tiantianying (Longteng Version) Annuity Insurance (Universal Type). Customers can choose to transfer their pension to a universal account, so that the current price of the policy has the opportunity to increase at a higher level, and continue to stimulate the "multiplier effect" of assets for customers.
Information**: Fosun Prudential Life official website).
From the information disclosed on the official website of Fosun Prudential Life, it can be seen that the settlement interest rate of Tiantianying (Longteng Edition) Universal Account in October 2023 is 450% (Note: The part of the settlement interest rate of the universal account exceeding the minimum guaranteed interest rate is uncertain, and the historical settlement interest rate is subject to the official website of Fosun Prudential Life, and is not a promise of future returns).
At a time when universal insurance accounts are relatively rare, Xinghai Winner (Longteng Edition) Pension, which takes into account the diversified needs of customers' insurance protection and asset planning and provides a combination of "annuity insurance + universal account", has undoubtedly gained another eye-catching highlight.
In general, with the progress of society, people's expectations for high-quality pension solutions are increasing, and the advent of Xinghai Winner (Tiger Roar Edition) provides us with a high-quality choice.
This annuity insurance product not only has an outstanding performance in the market in terms of cash value, but also ranks in the first echelon of the market in terms of the amount received, and at the same time, it can also open up the connection with universal accounts and high-end pension communities for customers, providing a comprehensive and superior "pension reserve + high-quality pension life" new experience for the future.
In an uncertain future, this is a reliable guarantee that will give you peace of mind for your retirement.