With the centralized "official announcement" of a number of insurance companies off the shelves in February, product adjustments in the market are becoming more and more frequent. In the first week of 2024 alone, 15 products of 9 insurance companies will face adjustments. In the past week, the background messages have been full, and Ka Dian Mei has taken stock of the wealth insurance products that have been asked about recently, and then I will take you to learn more about it:
Annuity insurance
When choosing an annuity product, it is necessary to comprehensively consider the change in the protection period, payment period, receiving age, receiving amount and cash value.
Here are some of the insurance rules for explosive products on sale:
Haibao Life Raising Duoduo No. 5 (Lightning Version).
Pension insurance
Payment Period
Paid annually. Coverage Period
Lifelong. Claim age
Females 55 60 65 70 years old.
Males 60 65 70 years old, received on a year-by-month basis.
Product form
Dual-claim mode, high collection, current price lasts for life! Long-term IRR breakout
High income, the current price lasts for life, not only can receive the annuity, but also the current price, open the pension double payment mode, realize the appreciation of wealth, and ensure the quality of life in old age.
The current price exceeds the premium paid for the 7th year at the earliest!
The current price has increased in lightning and can be exceeded in 10 years in the early stageMany products with fast growth in current prices will take 10 years to achieve this benefit, and the IRR will break through in the later stage, far more than other pensions, and it canAttach a universal account, so that the policy benefits to a higher level, in the planning of pension at the same time, enjoy higher policy benefits, to achieve wealth appreciation.
The current price of this product exceeds the paid premium fast, Yang Duoduo No. 5 (lightning version) is paid in 3 5 10 years, the current price of each delivery period exceeds the speed of the paid premium is very pleasantly surprised, and the fastest payment in 5 years exceeds the premium paid in the 7th year!
Whether the plan supports changes: Changes are supported before you start to receive them.
Is there a health notice:No health notices, the cumulative premium payable is greater than10 millionFinancial underwriting required.
Fude Life Xin Jubilee Exclusive Edition
Payment Period
Paid annually. Coverage Period
Lifelong. Claim age
Females 55 60 65 70 years old.
Males 60 65 70 years old, received on a year-by-month basis.
Product form
Plan 1: High collection, no guarantee of collection, 88-year-old life pension, lifetime cash value and death benefit.
Option 2: Low payment, receive life benefit at age 88, lifetime cash value and death benefit not less than the total premium.
Whether the plan supports changes: Changes are supported before you start to receive them.
Whether there is a health notice: three, if it involves relevant information for manual underwriting.
Enrollment Rules
The payment period and age requirements are as follows
Value-added services
Nearly 40 kinds of value-added services such as physical examination, outpatient green pass, airport VIP lounge, ** doctor, substitute driver, etc., are very complete!
You can enjoy a lot of value-added services from the 5W standard, which is worth it!
Fosun Prudential Xinghai Winner (Longteng Edition).
Payment Period
Paid annually. Coverage Period
Lifelong. Claim age
Females 55 60 65 70 years old.
Males 60 65 70 years old, received on a year-by-month basis.
Whether the receiving age can be changed: It cannot be changed.
Product form
Option 1: Guaranteed for 20 years, reduced to 0 for 25 years after the cash value is initiated.
Option 2: Guaranteed for 12 years, reduced to 0 for 12 years after the cash value begins.
Whether the plan supports change: It supports change before the start of receiving (full payment, effective for 3 years, no contract suspension, etc., see insurance contract for details).
Insurance rules: The payment period and age requirements are as follows
Value-added services
Xingbao high-end retirement community
Generally, you need to pay a premium of 1 million to 2 million yuan before you can apply for occupancy, but Fosun's retirement community does not have this requirement, you only need to pay the first year's premium, and you can apply for occupancy from the beginning of the second policy year; As long as there is no surrender, reduction, arrears, or loan in the first 2 years and there is no arrears at the time of application, it will not affect the right to guarantee occupancy!
For example, if you buy a policy of 500,000 yuan per year and pay it for 3 years, you can apply for occupancy after paying 500,000 yuan in the first year, and you can partially reduce the policy after 5 years, without affecting the flexibility of funds.
Star Guardian
Medical services, including medical visits, consultations, free fees and medical accompaniment.
Direct access to famous doctors, including consultations with famous doctors, expert appointments and second opinions.
Green Pass for Critical Illness, including hospitalization arrangement, surgical arrangement, MDT multidisciplinary consultation and overseas medical treatment.
Health check-ups, including standard check-ups and high-end check-ups.
High-end medical care, including international consultation, tumor specialty consultation, proton and heavy ion hospital medical assistance, and proton and heavy ion tumor screening.
Increase longevity
The selection of products to increase the amount of whole life needs to be combined with the actual needs of customers, and many considerations are made: some customers value the current price value-added speed and return time; Some customers value the benefits of the policy; Some customers like to reduce the insurance and write it into the union; Some customers like the low insurance threshold and the relaxation of health; Some customers fancy universal accounts; There are also customers who have the need for a second policyholder or an alternate generation of insurance. Among the many products, there is one that can meet all the above conditions and the product has a good reputation in the market
Haibao Life Insurance increased by more than 5
Payment Period
Paid annually. Coverage Period
Lifelong. Product Highlights:
1. The current price is growing rapidly, the first echelon of the market, and the long-term IRR is up to the highest
The reduction is written into the contractSupport for policy loansMore flexible funding.
There is only one warning(There is no health notice in the lightning version of the number 5).
4. Written in black and white, it is safe, reliable and guaranteed.
Take 100,000 * 5 years for a 30-year-old male as an example
As you can see, the IRR of Duoduo 5 is at a high level in each policy year, and the IRR is close over timeThe growth is not affected by the external economic environment, the sum insured and cash value grow steadily for life, the policy benefits are certain, and the safety is guaranteed. There is also a sister version of Zengduo No. 5 (Zengduo No. 5 Lightning Edition) is in the form of annuity, and the product has no health notice, and the income is not much different from Zengduo No. 5.
If you are limited by the health notice of Zengduo No. 5, you can consider choosing Duoduo No. 5 (lightning version).
and Taile enjoy the golden life
Payment Period
Paid annually. Coverage Period
Lifelong. Product Highlights:
1. The current price is growing rapidly, and the current price exceeds the premium in 5 years at the earliest.
2. Support different delivery periods, and meet the conditions to open a Hetai universal account.
High commission of 9% on a single paymentAhead.
This product is used for relay and Tai Duo No. 3, the insurance process and double recording are consistent with the increase 3, plus its single payment of high commissions, very popular with high customers, the product will beIt will be removed from the shelves at 23:55 on February 26, 2024If there are customers who want to pay in a lump sum, it is a good choice for teachers and customers.
Participating insurance
Regarding participating insurance products, the current market is hotLifetime Favorite (Dividend).From the insurance company, to the benefits of the product itself, to the value-added services, this product can be said to be C everywhere.
Product Highlights:
1. The sum insured dividends, the current price grows rapidly.
2. You can choose a universal account at the same time.
3. Docking insurance trust, 4 excellent trust companies, with a total premium of 1 million, can be docked to solve the demand for directional inheritance.
4. Enjoy star-rated services, including health care, medical assistance, disease care, rescue services, business travel, exclusive privileges and other services - 1 policy, 3 generations to enjoy green pass.
The policy benefits are high, such as a 40-year-old male who pays for 5 years, the growth rate is fast, and the cash value exceeds the premium in the 7th year (counting the part of the dividend presentation, the fastest annual current price for 5 years reaches 2 times of the premium (including the demo bonus part);At the age of 100, the current price is nearly 7 times the premium (including the demo bonus part), and the policy benefits are good. The current price of the guaranteed part + the current price corresponding to the dividend part of the demonstration, the policy benefit is worth looking forward to!
Note: The above presentation of benefits is based on the actuarial and other assumptions of the insurance company and does not represent the historical operating results of the insurance company, nor does it represent the expectation of the insurance company's future operating results. )
Strength of the company
Dividends are confident, Zhongyi Life is a joint venture between China National Petroleum Corporation (CNPC) and Generali Insurance of Italy, and the shareholders are very strong, and the industry says that Zhongyi Life is standing on the shoulders of giants. Secondly, everyone is more concerned about the past dividends. As of 2022, GCL has sold a total of 51 participating insurances, with an annual dividend fulfillment ratio of over 100%, and the highest even reaching 250%!
It can be seen that the fulfillment ratio of the past dividend fulfillment ratio of Zhongyi Life participating products has performed well.
However, it is true that the dividend distribution of the policy is uncertain, and the dividend may be zero in some policy years, and the actual dividend is subject to the dividend announced by the insurance company in the current year.
In addition, the State Administration of Financial Supervision and Administration issued a notice on the information disclosure rules for one-year life insurance products (the rules will be implemented from June 30, 2023), and the insurance company will disclose the dividend fulfillment ratio of each participating insurance product under the dividend period on the company's official WeChat account within 15 working days after the announcement of the annual dividend plan. In other words, you can check the past dividends on the official website of the insurance company, and the dividend distribution is more transparent.
Friendly reminder: Lifetime is expected to be off the shelves at the end of February, and the specific removal time is subject to the notice of the insurance company.
Increase the amount of dividend products have been given to you a detailed inventory last week, a comprehensive understanding can be poked at the link below:
Suddenly!A variety of products will be adjusted, and the list of recommended list of increased amount + participating insurance will be urgently counted!
Write at the end
No matter which product it is, it is most important to be able to help customers plan at the right time, and don't leave regrets: customers can't buy it because the product is temporarily removed from the shelves.
The latest 2024 wealth insurance product adjustment list is attached for you to quickly understand the product adjustment information.