After the regulator issued Circular No. 37 this year, insurance companies have significantly reined in a lot.
The adjustment of "inconsistent newspapers" products is also more vigorous in low-key colleagues.
The impact is that many good products may be inadvertently gone, and there is no time for the market to react.
For example, on February 29, Zhongyi Life's "Lifetime Zhongyi" whole life insurance (participating type) came to an end in a bang, and it is said that 9With a premium of 6.9 billion yuan, even the company's senior management couldn't imagine that this product would be so popular, and shouted "unexpected".
The grand occasion of a lifetime has made the insurance industry see the future possibility of participating insurance as the mainstream of the market, especially the dividend-paying increase life track, and many insurance companies have begun to focus on developing top-level products that are "relayed" in their lives.
toChina Merchants Cino Liduoduo No. 3 Whole Life Insurance (Participating).For example,It is said that this product is not only produced by Dabaosi, but also an increase in dividend distribution, which is full of highlights. Now let's take a comprehensive look at it with you
Highlight 1: Produced by Dabaosi, with strong background
Lidodo 3 is fromChina Merchants Cigna Life InsuranceFrom the perspective of shareholder background and asset management strength, there is no doubt that this product comes from a "big family"!
As a Sino-foreign joint venture insurance company, China Merchants Cigna Life Insurance Co., Ltd. is a Chinese shareholderChina Merchants Bank, ranked in the Global Fortune 500179 bits
The U.S. shareholders areCigna Group, ranked in the Global Fortune 50035 bits
Judging from the official data disclosure, the average comprehensive investment return rate of China Merchants Cigna in the past three years, net profit in 2023 reached4.0.2 billion。(Data**: Summary of Solvency Report for Q4 2023 by China Merchants Cigna Life Insurance***).
Backed by two strong and reputable financial institutions, Cigna's background is trustworthy.
Highlight 2: Long-term and stable operation, excellent historical dividend data
China Merchants Cigna is the first joint venture life insurance company established after China's entry into the WTO, and now its business covers 30 major provinces and cities in China, with a large scale.
In the fourth quarter of 2023, the company's core solvency, comprehensive solvency(Data**: Summary of the Solvency Report of China Merchants Cigna Life Insurance*** Q4 2023), all of which are far higher than the regulatory "passing line" requirements.
In terms of dividend fulfillment ratio, according to the latest data released on the official website of China Merchants Cigna, the fulfillment ratio of 27 participating insurance companies of China Merchants Cigna will be in 2022All over 100% and up to 174%.
In addition, due to the unique "investment smoothing mechanism" of dividend insurance, its historical dividend fulfillment ratio has reached more than 100% for 10 consecutive years.
With the support of stable and reliable data, many consumers are optimistic about the long-term performance of China Merchants Cino Liduoduo No. 3.
Highlight 3: Lock in long-term policy benefits and add dividends to the icing on the cake
China Merchants Cino Duoduo No. 3,The effective sum insured is calculated at a rate of 25% increments, rolling growth year after year, to resist uncertain market changes.
PassedIncrease dividendsCompared with cash dividends, dividends are also more beneficial to the policy.
Assuming that the fulfillment ratio of dividends reaches 100%, the total benefits of the long-term policy can exceed the total premiums according to the dividend presentation8 times more
Note: Dividends are non-guaranteed, dividend distribution is uncertain, and dividends may be zero in some years).
The higher the fulfillment ratio, the more dividends will actually be obtained, so the stronger the investment strength of the insurance company, the more confidence the product will give to customers.
It should be noted thatThe above demonstration of benefits with dividends is only a **, not necessarily achievable.
Highlight 4: The current price is flexible to meet the capital needs of all stages
Take a 30-year-old woman who pays 100,000 premiums per year for 10 years, assuming a dividend fulfillment rate of 100% as an example
50-53 years old, can apply for insurance reduction every year150 thousandCurrent price, for children's education;
65-85 years old, can apply for insurance reduction every year100 thousandThe current price is used to improve the quality of elderly care;
At the age of 90, there is73.10 thousandThe current price can be used for subsequent asset inheritance.
In short, whether you want to take out an insurance policy for your childEducation FundsStart-up funding, or middle-aged and elderly people want to useReplenish pension funds, or maybe I want toLegacy of a pennyAssetsto future generationsetc., can meet the needs through this product.
Highlight 5: There are many value-added services, and you can enjoy health management services
China Merchants Cinoli Duoduo No. 3, in addition to the more basicPolicy loans, policy reductionsOutside,
You can also enjoy high-quality health management services: from the everydayPersonal health butlerto seek medical attention when sickPre-hospital first aid, in-hospital care, discharge assistance, post-hospital greetingand other services, care in every detail!
On the whole, in a more severe interest rate environment, participating insurance is an opportunity for long-term market transformation.
With the background of a large insurance company, excellent long-term policy benefits and high-quality health management value-added services, China Merchants Cino Liduoduo No. 3 can achieve a two-way win-win situation between the insurance company and customers, and the future is promising.