Recently, due to policy reasons, the savings insurance market has ushered in another round of turbulence, and a large wave of high-yield increased whole life and annuity insurance has entered the countdown to delisting.
Among them is the ace increase in whole life - Kangqian No. 5 Ruixiang Life, which will be taken off the shelves at 24 o'clock on the 26th of this month.
In the last 3 days, let's take you to know this explosive model with low threshold, high long-term income, and fast return on investment
Product Advantages:
1. Loose insurance rules
Issue age: 25 days - 70 years old.
Period of Insurance: Lifetime.
Payment period: 3 5 10 15 20 years.
Payment frequency: single payment and annual payment.
Minimum payment: 2000 yuan.
Occupational Category: Categories 1-6.
The maximum amount of exemption from physical examination and financial investigation is 10 million.
Kangqian No. 5 can be insured at the age of 25 days and 70 years old, and the insurance threshold is very low, only 2,000 yuan in the first year to meet the capital planning needs of different people.
Whether you have 2,000 yuan of spare money in your hand, or 20,000, 200,000, or 2 million yuan, you have the opportunity to get on the bus, and you can choose to pay 3 5 10 15 20 years in a single payment, according to the actual amount of funds and future income, you can choose freely.
2. Reduce loose rules
Kangqian No. 5's insurance reduction is written into the contract, which is relatively flexible and relaxed, and the policy can be applied for insurance reduction after 5 years of effectiveness, which can be operated in Fude Life Insurance, which is simple and convenient!
Reduction, also known as partial surrender, receives part of the cash value to meet temporary capital turnover needs.
3. The current price performance is leading the market
Kangqian 5 is ideal for long-term planning.
Take a 30-year-old man as an example, choose to pay in 5 years, and when he is 80 years old, the IRR of the policy is approaching 30%, which is infinitely close to the highest predetermined interest rate of current life insurance products. PK similar products, long-term benefits are also far ahead!
4. Fast return speed
Kangqian No. 5 not only has an advantage in long-term current price performance, but also its current price exceeds the premium very quickly. Single 3 5 years payment, the current price is in the 5th year more than the total premium, the "return to principal", the end of the closed period of the product. In the high current price of the increase in life, this return time is very fast.
Among them, the IRR paid in 3 years is the highest, and by the age of 65, it has reached 3% (2.).999%), the ascent time is fast. By the age of 70, the IRR was over 299%, annualized simple interest has exceeded 54%。
Such an extreme IRR has made Kangqian No. 5 firmly rank in the forefront of the market under various payment periods, and has become the ceiling product for increasing life expectancy.
5. Underwriting by large companies
The underwriting company Fude Life Insurance was established in 2002 and is headquartered in Shenzhen with a registered capital of 1175.2 billion yuan, with total assets of over 510 billion yuan. At present, it has 35 branches, more than 1,000 branches and service outlets across the country.
The company's scale is in the top 10 in the industry, second only to China Life, Ping An and other old seven, and it is also one of the few insurance institutions in China that holds a full investment license, and has stood firm in 100 billion premiums for 8 consecutive years.
In terms of insurable areas, many Internet celebrity insurance companies can only be insured in individual provinces and cities such as Beijing, Shanghai, and Jiangsu, while Kangqian No. 5 is only a few areas that can not be insured, and there are as many as 26 areas that can be insured, which can be bought all over the country!
In the field of increased whole life, Kangqian No. 5 is one of the representative products of high yield, and the IRR of each payment period can reach up to 299%, the minimum insurance threshold is only 2000 yuan.
If you have long-term idle funds in your hands and want to lock in the interest rate through insurance, so that your family wealth can increase steadily, Kangqian No. 5 is a very good choice.
Kangqian No. 5 will be off the shelves at 24 o'clock on February 26, so if you don't want to miss it, you must plan as soon as possible