The best of life is expected to say goodbye to us at the end of the month.
This is a top-notch type of incremental whole life insurance, which is currently 30% era, its yield is expected to break through 35%。
Many friends asked: How to buy Zhongyi Life Insurance in your life?
In this article, Daddy will talk to you about the life of Zhongyi Life.
Fast consultation channel, click on the applet:
How to buy the favorite life insurance in a lifetime?
So how to buy the life of Zhongyi Life?
For this question, it actually involves the choice of the amount insured and the payment method.
toA 30-year-old man, for example, pays 100,000 yuan a yearWe compared the lifetime benefits of GCL under different payment periods.
We can see that no matter what kind of payment period, the IRR of Zhongyi Life's lifetime can exceed 3 between 60 and 80 years old5%。
Therefore, on the topic of "how to buy the life of Zhongyi Life", it is recommended to weigh it according to the personal financial situation and the expected return.
If you have more money on hand, you can increase your investment appropriately, especially if your family has longevity genes, and a larger investment means higher returns.
It is worth noting that GCL supports universal accounts throughout its life, and it is a product with dividends.
Whether it is a universal account or dividends, in addition to the guaranteed interest rate, the income of the product mainly depends on the profitability and investment ability of the insurance company.
It is worth mentioning that in recent years, the fulfillment ratio of GCL's products has performed well, thanks to its strong shareholder background - PetroChina and Generali Italy, as well as becoming the first Sino-foreign joint venture insurance company approved to be established after China's accession to the WTO.
Judging from the information in the above chart, the fulfillment ratio of Zhongyi Life Insurance in 2022 is outstanding.
The fulfillment ratio of the above 12 products is more than 100%, of which 6 products have a fulfillment ratio of more than 150%, and even one product has a fulfillment ratio of 247%.
Therefore, as a participating product of GCL Life, we can look forward to the surprises it will bring to us in the future.
It should be noted that the product is expected to stop entering at the end of the month, so please pay attention to the time of application.
Daddy has sorted out the net profit of Zhongyi Life in the past 10 years, and if you need or have any friends who need help, you can contact Daddy.
Why buy Zhongyi Life Insurance?
So, why buy Zhongyi Life Insurance?
In addition to the above-mentioned product benefits and insurance companies, Zhongyi Life is an excellent product in itself.
The product has a wide range of insurance ages, with a maximum age limit of 70 years old, while most similar products usually only support policyholders aged 0-60.
In terms of insurance age, GCL Life has already occupied a clear advantage in its lifetime.
In addition, the product has a wide range of payment options and is highly flexible, allowing policyholders to choose according to their individual circumstances.
In addition to the basic insurance and payment methods, GCL also providesAdd-on benefits and value-added services
Among them, the universal account is a bright spot, providing a stable guaranteed interest rate and providing greater room for growth in the product's income.
In addition, GCL Life also supports it throughout its lifeAnnuity conversions and trustsand other rights,Value-added services include medical assistance and sickness careetc., to provide a full range of protection for the insured.
These additional benefits and services are one of the reasons why GCL has become a popular product throughout its life.
Because this product is relatively rich, for friends who don't know how to buy, remember to contact dad at any time.
Summary
Generally speaking, as a participating product, GCL Life Insurance needs to choose the appropriate amount insured and payment method according to personal circumstances when purchasing.
Its appeal is reflected in:High fulfillment ratiowithStrong shareholder background, providing policyholders with considerable benefits.
The provision of add-on benefits and value-added services also adds to the attractiveness of GCL Life.
If you are looking for a cost-effective participating insurance product, Zhongyi Life may be worth your consideration.