In 2024, dividend-paying increased life has become the mainstream of the wealth management insurance market, and many large insurance companies have made efforts to design and promote dividend-paying increased life.
This type of insurance not only provides a guaranteed income, but also gives customers the opportunity to earn higher dividend income.
Liduoduo No. 3 is one of the leaders, and it is also a product that has been consulted a lot by readers and friends recently.
Recently, a practical value-added service has been added for a limited time, which can be used by parents when they are insured for their own insurance.
Today, Dad will give you a comprehensive introduction to Liduoduo No. 3 Dividend Insurance.
For quick enquiries, click here:
01
The basic guarantee of Liduoduo No. 3
As a rule, let's first understand the basic situation of Liduoduo No. 3 Dividend Insurance, as shown in the figure below:
The product has loose age requirements and health notices.
It supports people up to 65 years old, and there are only two health notices, which is friendly to groups with poor health.
The payment period supports a variety of methods such as single payment, 3/5/10 year payment, etc., which is very suitable for customers with medium-term capital planning needs.
The threshold for starting insurance premiums is low, with a minimum investment of 10,000 yuan, so even ordinary working families can easily get on the bus.
As a dividend-paying life increase, Liduoduo No. 3 provides death/total disability protection, and the agreed content is the same as most similar products on the market.
With an increase of 2.5% of the effective sum assured, the current price of the policy will increase steadily the longer the policy is held.
As a participating incremental life insurance, Liduoduo No. 3 supports dividend distribution rights.
In the form of dividends, the insurance company adds the distributable surplus of the current year to the effective sum insured in proportion.
In addition, the product also provides policy loans and policy reduction rights to enhance policy flexibility.
Policy loans, which allow policyholders to obtain certain financial support when they need funds, provide financial support for dealing with emergencies.
Reducing the insurance allows the policyholder to adjust the insurance amount according to their own situation, making the insurance plan more adaptable.
If you want to know more, you can click here for a free 1-on-1 consultation!
02
Value-added services of Liduoduo 3
Liduoduo No. 3 provides elderly care solutions and medical care services for the elderly, namely Nuoxiang Home Care Service.
This includes private health butlers, discharge assistance, inpatient care, and more.
It is operated by subsidiaries and professional institutions of China Merchants Cigna, covering 297 cities and 2,047 tertiary hospitals across the country.
This value-added service is available to the insured + his/her immediate family members for 2 people, and is available upon coverage.
That is, one insurance policy, three people to enjoy.
It is very suitable for families who have only children and do not have enough time to take care of the elderly due to work.
1. Details of [Promise Together].
Next, Daddy introduced the main content of Nuo Xiangshou's home health care service one by one.
Private Health Butler: Unlimited medical consultations, risk assessments, and rehabilitation programs provided by medical professionals throughout the year.
Discharge assistance: Arrange staff to assist in discharge, collect medical records, diagnosis certificates, discharge invoices and other materials, and provide special car escort.
Part of the essence is inpatient care.
Pre-hospital ambulance: ambulance fee, 1,000 yuan/person/year; 120 pre-hospital first aid, assistance services.
In-hospital nursing: If you need to be hospitalized due to accident or illness, you will be provided with 24-hour offline nurses, 1-to-1 escort, 3 days/year.
Post-hospital home care and life care: provide body cleaning, drug care, orthopedic care, intensive care, daily life and diet and other services, 5 days/year.
It is worth mentioning that 100% of the nurses provided by this service are required to be licensed, and the quality of service is guaranteed.
How can you get such a great service?
It's very simple, you only need to configure the product Liduoduo No. 3 to get the above benefits.
2. Case description of [Nuo Xiangshou].
Nuoxiangshou home health care services cover clothing, food, transportation, cleaning, and medical care.
Next, the dad will explain it in combination with specific cases.
Mr. Wang is insured for Liduoduo No. 3, and he and his parents have bound up Nuo Xiangshou Home Care Service.
Shortly after taking out the insurance, my mother suddenly suffered an accidental fracture and needed to be hospitalized.
After learning the news, Mr. Wang was unable to return home to take care of his mother because he was working in other places.
However, Mr. Wang can use the home care service in this way.
First of all, Mr. Wang called the 120 emergency number for his mother, and the ambulance expenses could be reimbursed (within 1,000 yuan).
Secondly, during the hospitalization, the doctor said that Mr. Wang's mother needed surgery and was hospitalized for recovery.
Mr. Wang can apply for a professional caregiver for his mother and enjoy a 3-day 1-to-1 24-hour care.
At the same time, contact the health care housekeeper to visit the hospital and prepare for discharge.
Mr. Wang was then able to book a special car to escort his mother to his home 48 hours before he was discharged from the hospital
On the day of discharge, apply for professional escort staff to assist the mother to be discharged from the hospital, sort out the materials, and queue up for settlement.
Finally, Mr. Wang can apply for after-hospital care services, which will be home for 5 days to take care of his mother's daily life.
Nuo Xiangshou home health care service has brought the competitiveness of Liduoduo No. 3 to a new level.
03
Presentation of the interests of the Lidodo No. 3
As a dividend-paying increase life, everyone must be very concerned about the income performance of the product.
The total income of Liduoduo No. 3 is composed of two parts: guaranteed interest and dividend benefit.
Ensuring stable growth of profits and helping customers cope with uncertain market changes.
For the dividend benefit part, dividends are distributed through increased dividends, which will have a greater impact on the total benefits of the policy.
Take a 30-year-old man as an example, invest 100,000 yuan a year to see the performance of guaranteed benefits and dividend income under different payment periods.
Focus on the analysis of the 5-year payment:
When the man was 50 years old, he guaranteed a benefit of 664054 yuan and a dividend benefit of 849017 yuan.
The total benefit is close to 3 times of the premium paid;
If he is in urgent need of cash, he can receive the current price through policy reduction or policy loan to obtain a cash flow.
When the man was 60 years old, he guaranteed a benefit of 849167 yuan and a dividend benefit of 1243492 yuan.
The total benefit is 4 times the premium paid.
At this time, the man officially retires, and can choose to surrender the insurance to obtain a sum of funds for his own pension and children's education and marriage.
If the man continues to hold it for a long time, the total benefit (guaranteed + dividends) will be 7 times the premium paid by the man when he reaches the age of 80.
We can see that under different calculation conditions, the guaranteed income and dividend return of this man will be different.
But in general, if you hold the policy for more than 20 years, you can guarantee a long-term IRR of more than 2.0%;
If the dividend can be realized by 100% and held for more than 30 years, the IRR of the dividend benefit can exceed 3.5%
It not only satisfies the idea of risk prevention, but also has the opportunity to win higher benefits, Liduoduo No. 3 gives customers confidence and a sense of security.
04
How is the strength of China Merchants Cigna
China Merchants Cigna was established in Shenzhen in 2003 with a registered capital of 2.8 billion yuan.
In 2023, the total assets will be 165.358 billion yuan, and the premium income will be 34.646 billion yuan.
It has a wide range of products, mainly focusing on health, accidents, wealth, and pension to create a product matrix.
The business scope covers Beijing, Shanghai, Hubei Province, Zhejiang Province and other major provinces and cities in China.
As a Sino-foreign joint venture life insurance company, its shareholders are China Merchants Bank and Cigna Group.
These are two very powerful companies with a long history and strong capital strength.
According to the data provided by the official website of China Merchants Cigna Insurance, the solvency in the first quarter of 2024 is as follows:
The core solvency adequacy ratio reached 108.79% and the comprehensive solvency adequacy ratio reached 204.56%, both of which met regulatory standards.
The overall risk rating for the third and fourth quarters of 2023 is BBB.
It can be seen that China Merchants Cigna Insurance is operating steadily.
In the past three years, China Merchants Cigna has participated in a number of key non-standard investment projects, including key unlisted equity investment projects, with strong profitability.
In the past three years, the average investment return rate was 5.07%, and the average comprehensive investment return rate was 4.40%.
In the past, the fulfillment ratio of the insurance company was quite outstanding, according to the information on the official website of China Merchants Cigna:
In 2022, China Merchants Cigna will have a total of 27 participating insurance products:
The fulfillment ratio for the current year and the historical fulfillment ratio for dividends all reached 100%, with the highest being 174%.
This means that China Merchants Cigna basically meets customers' expectations for dividends.
Overall, China Merchants Cigna is a trustworthy insurance company, and everyone can choose with confidence.
05
Daddy concluded
Liduoduo No. 3 Whole Life Insurance (Participating) is a large company issued by a large bank with a high total policy benefit.
With a low threshold, you can get the home health care service of Nuoxiangshou, and you can also bring your relatives to enjoy a full set of services.
If you need to buy savings insurance in the near future, then Liduoduo No. 3 is an option worth considering.
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