Ever-changing pension.Hello everyone, I'm the dad of thriving poplar wheat.
Earlier, we introduced the Great Wall's increased longevity product, the Great Wall Shanhaiguan Longteng Edition.
Today, let's talk about the pension products of the Great Wall, the Great Wall pension is also a very distinctive type, with excellent product benefits, multiple functions and flexibility.
My customer has bought the old version of Badaling before, and the product on sale now is the Great Wall Badaling Collector's Edition.
Great Wall Life
Great Wall Life Insurance was established in 2005, and after a capital increase last year, it now has a registered capital of 621.9 billion yuan, state-owned assets background insurance company, the actual controller is the State-owned Assets Supervision and Administration Commission of Xicheng District, Beijing.
The total asset scale exceeds 100 billion yuan, and there are 14 provincial branches in the countryBeijing, Shandong, Sichuan, Hubei, Qingdao, Henan, Hebei, Jiangsu, Tianjin, Guangdong, Hunan, Anhui, Chongqing, Shaanxi.
Enrollment Rules
The insurance rules of pension insurance are very, very important, and many customers may not be able to buy it due to the age and payment period of the product. Therefore, before choosing a product, first look at whether the insurance rules can be insured.
Badaling Collector's Edition 2023,No health notices, 1-6 occupations can be insured.
Payment period supportUp to 30 yearsNow there are fewer and fewer pension products that support a long payment period, and even fewer products that support 30 years of payment.
Some customers will consider insuring their children with an old-age pension, lowering the annual payment amount, and then extending the payment period, and when the child participates in work in the future, the policyholder can be changed to let the child continue to pay. In this case, many customers will choose products that support 30 years of delivery.
In terms of insurance age and rules, the Great Wall has always been relatively relaxed. You can also apply for insurance for your parents or your own advanced age, the maximum insurance age is 69 years old, and you can pay it for 5 years at the age of 55, and you can start receiving it at the age of 60. After retirement, you can pay it for 5 years at the age of 60 and receive it at the age of 65.
The collection plan is flexible and variable
Like the old version of the product, the Badaling Collector's Edition still has 3 receiving plans: regular version, lifetime leveling receiving version, and lifetime incremental receiving version, and the 3 plans can be changed before starting to receive them.
1. Plan 1: Jin Duoduo plan
The first option is a fixed-term plan, which will receive a one-time pension for 6 years until the age of 85, and then the policy will be terminated.
The cash value will be 0 from the beginning of the payment, and the untimely death will guarantee a refund of the premium paid.
Let's take a look at the proposal benefit presentation:
40-year-old women, 100,000 * 10 years to pay, 55 years old to start to receive, choose plan 1 to receive the plan.
From the age of 55, the annual amount is paidYuan, if you choose monthly payment, the monthly payment amount is 64100*85%=
By the age of 70, the total amount received is 102560,000, more than the premium paid.
At the age of 85, a one-time pension for 6 years will be paid, that is, 64100*6=38.460,000, and then the policy is terminated.
At the end of the contract at the age of 85, the cumulative total amount received is:230.0.76 million
A total investment of 1 million in exchange for 2.3 million to receive.
2. Plan 2: Fuduoduo plan
The second option is a lifelong version, and the premature death can guarantee a payment for 20 years, for example, if the person receives 15 years, the remaining 5 years of money will be paid to the family.
For the same customer case, let's take a look at the benefit presentation:
From the age of 55, a pension is received every year, the monthly collar is 62400*85%=Yuan.
How long to live and how long to receive, toThe total amount received at the age of the yearmillion, more than the premium paid.
After the age of 74, the cash value is 0. After that, it can only be claimed for life and cannot be surrendered.
When you reach the age of 80, the total amount you receive is1.62 million, the total amount received at the age of 90224.60 thousand
3. Plan 3: Increase more plans
Option 3 is a progressive payment plan, and the amount of payment increases every year, the amount received in the early stage is slightly lower, and the more you receive in the later stage, the higher you get.
The first year of age is the first year4.040,000and receive the amount every year thereafterIncrease.
At the age of 70, the annual amount of the pension grows to:, at the age of 80 years old, grew toAt the age of 90, the annual receipt grows to
The cash value is the same as Plan 2, which lasts until the age of 74 and is guaranteed for 20 years upon death.
The collection scheme is flexible
We have the option to change your claim plan before we can start the claim.
For example, if you want to change the regular version of Plan 1 to receive the plan before you retire at the age of 55, you can change it to Plan 2 through the preservation operation.
5. Change the age of payment
It is not only the receiving plan that can be changed, but also the receiving age, which is rare in pension products.
For example, when we apply for insurance, we choose to start receiving it at the age of 55, and when we are in our 50s, we feel that our work income capacity and physical health are still very OK, and we do not need pension cash flow for the time being.
You can change to 60 years old, or start receiving at 65 years old, and the amount of the change will be higher.
6. Change others to collect on behalf of others
Another special feature is that it is possible to designate an uninsured person to receive a pension, such as a policyholder or a beneficiary.
In annuity insurance products, the recipient of the survival benefit is usually the insured himself by default, and it is transferred to the insured's bank card.
Great Wall Badaling Collector's Edition 2023, as long as the insured agrees, you can designate someone else to collect it.
For example, you can buy it for yourself, invest and be insured, and you will have sufficient pension funds after the age of 55 or 60, and you don't need a pension for the time being, and if you want to support your child, you can designate your child to receive this money. Or designate the right to receive a pension to the eldest grandson or younger granddaughter.
In the future, when you want to get it yourself, it's good to make another security change.
Insurance
Regarding the additional insurance, the supervision strictly restricts the increase in life expectancy, and the additional insurance cannot be written in the clause. But for pension products, it is not very strict.
The Great Wall Badaling Collector's Edition Pension supports additional insurance and is written into the terms of the contract.
Requires the policy to be effective within 10 years, 30 days before the policy anniversary date before the start of claim.
After the policy is re-insured, the overall policy is expanded, and the amount received, premium and cash value are recalculated, and additional premiums and interest need to be paid.
The additional insurance is limited to 5 times, and it is supported once a year, with a maximum of 20% each additional insurance.
Here's an example:
Lao Zhang bought one100,000*10 yearsIn the third year of the policy, there are plenty of funds in hand, and there is no better choice of pension products in the market, so you can choose to add an old insurance policy at this time.
In the 3rd year, an additional 20% policy becomes one120,000 * 10 years to payof the policy, the overall expansion of 12 times.
However, when we paid the premium in the first two years, we only paid 100,000 yuan per year, and we paid 20,000 yuan less every year. Therefore, when we increase the insurance in the third year, we need to make up the premiums owed in the first two years, which is 40,000 yuan in total. In addition, a little interest will need to be paid.
Therefore, when the insurance is added in the third year, the total amount we need to pay is the premium of 120,000 yuan for the third year + 40,000 yuan + a little interest.
The maximum number of additional insurance is 5 times, that is to say, the policy of 100,000 * 10 years can be increased to a maximum of 200,000 * 10 years, and the overall expansion is 2 times.
Golden Kirin Universal Account
Badaling Collector's Edition 2023 can also be attached to the Golden Kirin Universal Account.
The rules of various handling fees of Golden Kylin are still the most relaxed, and the handling fee of money into the account is 1%, and the return is 1%, which is equivalent to 0 handling fee.
The rules for withdrawing money, the first 5 years after insurance are %, respectively, there is no limit on the amount of money withdrawn.
In terms of additional quotas, compared with the previous old products, it has been tightened a lot.
The main insurance is paid for 1 3 5 years, and the additional amount is 1 times the total premium.
Main insurance 7 10 15 20 years pay:If the total premium is less than 500,000, the additional amount will be 1 times of the total premium;
Total premium [500,000,000,3 million," with an additional amount of 3 times the total premium;
The total premium reaches 3 million, and there is no additional cap.
Pension + universal account
The combination of pension + universal account can solve the needs of temporary pension and value-added financial management after retirement.
Just imagine, when we are 55 years old, we receive 10,000 yuan of pension every month, but this money does not need to be used for the time being, can it be put in **? What was the current interest rate at that time?
If you have a universal account, you can return 10,000 survival funds every monthTransfer-inWhen it comes to the Golden Kirin universal account, the guaranteed 2% at that time must be very fragrant.
You can withdraw it from the universal account at any time when you need it, and at that time, 5 years have passed since the insurance was insured, and there is no handling fee for withdrawing money.
If you don't want to transfer to a universal account, you can also choose to transfer money to a bank card.
Insurance Structuring Scheme
Golden Kirin and the main insurance product are insured separately and not as an add-on. And the insured of the Golden Kirin universal account can be inconsistent with the main insurance, as long as the policyholder is consistent
This opens up more possibilities.
(1) Insure yourself and take care of your children
Main insurance Badaling Collector's Edition 2023 pensionPolicyholder: Our own insured person (the person who receives the money): Our own death beneficiary: child.
Golden Kirin Universal AccountPolicyholder: OurselvesInsured: ChildDeath Beneficiary: Ourselves.
Golden Kirin is a universal account of whole life insurance, which will follow the insured, that is, the child for life. But the ownership of control belongs to the policyholder, us.
When one day we want to pass on the Golden Kirin Universal Account to our children, such as when we are 80 years old, we can choose to change the policyholder and transfer it to the children.
*The policyholder and deceased beneficiary of the policy support the change.
(2) Insure our parents and take care of our own children
Many friends have asked me about buying a pension for their parents, and the Great Wall Badaling Collector's Edition 2023+ Golden Kirin Universal Account is very suitable for this need.
One is because it supports the elderly to apply for insurance (up to 69 years old), and the other is that the universal account insured can be inconsistent.
The recommended insurance plan and structure are:
The main insurance Badaling collector's edition pensionPolicyholder: Our own insured person (the person who receives the money): The beneficiary of the death of the parents: ourselves.
Golden Kirin Universal AccountPolicyholder: OurselvesInsured: Ourselves Child Death Beneficiary: Child Ourselves.
Xiyuan Retirement Community
At present, the Great Wall is developing a value-added service system in five areas, namely:Xikang Health, Xiyuan Pension, Xile Life, Xiyu Legal Tax, Xinuo Wealth
The Great Wall Xiyuan Pension Service Project is a docking cooperation with mature third-party service organizations in the field.
The service provider is the Yishenghui elderly care service ecology under Beijing Dakang Yisheng Health Management, with a total of 26 in Beijing, Tianjin and Hebei, including 18 in Beijing, 6 in Tianjin, 1 in Shijiazhuang, Hebei and 1 in Tangshan.
Other elderly care institutions are mainly distributed in the southeast coastal provinces and cities and provinces with pleasant environments, such as 17 in Shandong Province, 43 in Jiangsu Province, 24 in Zhejiang Province, 14 in Fujian Province, 12 in Guangdong Province, 3 in Hainan Province, 17 in Hunan Province, 23 in Sichuan Province, 14 in Chongqing, etc., to meet the needs of customers in most areas.
Docking sojourn standards:The standard premium of the main insurance product starts from 20,000 yuan (200,000 yuan for single payment, or 20,000 * 10 15 20 years payment, or 40,000 * 5 years payment, or 70,000 * 3 years payment), which can be connected to the pension community travel and residence rights;
Docking long-term residence standards:The total premium starts from 800,000 yuan, and you can have the rights and interests of sojourn + long-term residence + home care private care service at the same time.
Sojourn Long-term residence features:The Yishenghui pension mini program can independently screen the cities you want to go to and the communities you can live in, and you can complete the appointment online and enjoy discounts. It covers more than 300 long-term residence projects and more than 60 sojourn projects.
Part of the sojourn program
Some long-term projects
List of current cooperative communities in Shaanxi
The list of retirement communities and fees in other areas can be communicated in detail if necessary.
Write at the end
To summarize the product features of the Great Wall Badaling Collector's Edition 2023:
1. Wide range of insurance, no health notice, elderly can be invested, payment period is many, and the rules are relaxed;
There are various types of receiving plans to choose from, regular version, lifetime version, and lifetime incremental version, and the plan before receiving is variable; The age and recipient can also be changed;
3. The overall expansion of the policy can be insured, and the Golden Kirin universal account can be attached, and the insured of the universal account can be inconsistent with the main insurance and combine a variety of policy structures;
4. It can be connected to a number of value-added rights and interests of the Great Wall, such as medical care and pension. Low threshold docking Xiyuan Retirement Community.
Okay, that's it, see you next time.