Xinxi Yue Whole Life Insurance
Xinxi Yue Whole Life Insurance is an insurance product under Haibao Life.
And when choosing an insurance product, it is crucial to understand its benefits and features.
So, what exactly is this product like? What are the benefits?
Let's take a look with my dad.
The above picture shows the basic content of Xinxiyue whole life insurance, and the following is an in-depth analysis of this product by the dad.
Xin Xi Yue whole life insurance has a wide range of insurance ages, from 30 days old to 75 years old.
The insurance period is lifelong, and there are various payment periods, including 3 years, 5 years, 6 years, 8 years, 10 years and 20 years.
The insurance threshold is also relatively relaxed, with a minimum minimum investment amount of 30,000 yuan for single payment and only 10,000 yuan for regular payment.
This whole life insurance not only has investment attributes, but also has a protection function.
In terms of protection content, Xinxiyue Whole Life Insurance mainly provides death and total disability insurance benefits.
In the unfortunate event of the death of the insured during the insurance period, the insurance company will pay the beneficiary the agreed amount.
This provides life protection for the policyholder, allowing them to be financially supported in the event of an unexpected risk.
The benefit will vary depending on the age of the insured person and the status of contributions.
If the insurance is taken before the age of 18, the premium paid and the cash value will be paid whichever is greater;
In the event of death after the age of 18 (inclusive) and before the premium payment period expires, the greater of the cash value paid and the premium paid*;
If the insurance is released after the age of 18 (inclusive) and the premium payment period has expired, the greater of the cash value, the effective sum insured and the premium paid* payment ratio will be paid.
Of course, the specific benefit ratio varies according to the age group of the insured, as follows:
160% aged 18 to 41, 140% aged 41 to 61, and 120% aged 61 and above.
In addition, Xin Xi Yue Whole Life Insurance also has a variety of rights and interests such as policy loans and policy reductions.
A policy loan can solve the problem of temporary cash turnover, while a policy reduction can help the policyholder adjust the plan to a certain extent.
In summary, Xinxiyue whole life insurance is an insurance product that combines the characteristics of protection and value-added, which can bring a certain degree of personal protection and income to users.
So, what is the specific income of Xinxiyue whole life insurance?
Learn more about it, and then move on to Part 2.
Through the above analysis, we understand the basic content of Xinxiyue whole life insurance.
So, what are the benefits?
Daddy toA 30-year-old man pays 100,000 yuan a year as an exampleThe benefits of different payment methods are as follows:
The above figure shows the income of Xinxiyue whole life insurance in each payment period.
Payback time
The payback speed of this product is quite fast, but the payback speed is different for different payment periods.
Among them, the single payment and 3-year payment are the fastest, and it only takes 5 years to recover the cost;
This means that the policyholder can recover the premiums invested in a relatively short period of time, which can reduce the investment risk.
The return speed of 5-year, 6-year and 8-year payment is respectively after the payment is completed6th, 7th, 8th yearsReturn on investment.
The 10-year payment and 20-year payment are both achieved before the premium is paid, which is very good.
irr
According to **, it can be seen that the cash value will gradually increase over time.
In addition, although the payment period of this product is different, the IRR can basically exceed 290%, which indicates a good return on investment for the product.
In short, although the yield of Xinxiyue whole life insurance varies under different payment periods, it remains stable overall.
This shows that policyholders can expect long-term stable returns, which is conducive to planning long-term financial goals.
In summary, Xinxiyue Whole Life Insurance has performed quite well in terms of protection and income.
For consumers with financial planning needs, this product can be an option worth considering.
If you want to know more about the income of this product, please pay attention to Daddy Consultation.