1 In May, but not in June, these insurance products priced at a predetermined interest rate of 3.5% began to dynamically clear.
Latest news: Augmented Life "Golden Satisfaction Foot No. 3" will completely stop entering new orders next week!
My positioning of this product is a second-tier product in Zengshou Li, which may seem a bit inferior, but in fact, for those who are suitable for it, this product is better and more profitable.
Exactly, taking advantage of the takedown, I will give you a detailed introduction to "Golden Satisfaction No. 3" (hereinafter referred to as No. 3).
There is not much difference between different products in varieties such as increased life, and they are essentially long-term savings.
2 The biggest features of "No. 3" are twofold:
First, its cash value gains are more advantageous in the later stage.
This means that if you are sure that you can stretch the duration for a long time, and really do not use the money for a long time, the return on the 3rd is higher.
Moreover, the characteristic of compound interest is that it is not obvious in the early stage, and the difference is greater the later.
Below is a demonstration of the benefits of caliber 3:
3 Second, No. 3 also extends the duration as much as possible in product design.
To what extent is it exaggerated?
It can cover 3 generations of grandchildren.
Look at the above figure again, the policy life is 100 years, compound interest, what will be the experience?
4 Writing this, four words popped into my head, a little inexplicable, called "cultivating the heirloom."
This matter has little to do with insurance, but let's talk about two idle words.
These four words highly condense the essence of ancient Chinese family asset allocation:
The most important means of production: land, labor.
The most important production activities: the agricultural population grows food to make a living, the non-agricultural population reads books and becomes officials, and continues to give birth to children and repeat this game.
I myself think it's quite interesting, when I saw 100 years of compound interest, I actually thought of these four words.
If you think about it, it makes sense, and the two are quite similar.
Cultivating and reading the heirloom, a hundred years of compound interest, are the means of production passed on between generations, and they all need to be optimistic about the future.
Not optimistic, will not want the next generation, will not believe in the environment and long-term.
It's just that the former relies on "reading" to gain a future possibility, and the latter relies on "contracts" to lock in the certainty of the present.
How does No. 5 3 cover three generations?
The rules for increased life are as follows:
(1) The right to withdraw cash is determined by the policyholder.
(2) The policy lasts as long as the insured person is alive.
The special feature of No. 3 is that it supports dual insureds. Hypothesis:
Out of the need for wealth inheritance, grandfather himself as an insured and purchased No. 3.
The daughter is the first insured and the granddaughter is the second insured.
In this way, the theoretical maximum life of this policy can last until the day when all daughters and granddaughters die.
During this period, whoever wants to withdraw this wealth will become an insured.
In the end, one insurance policy achieves three generations of wealth inheritance.
6 If you are a lover of long-term bank management, treasury bonds, 5-year savings, large certificates of deposit, etc., or have the idea of leaving a sum of money for your future self, your children, or even the next generation, the current incremental life will be a competitive alternative.
7 As usual, a few words of reminder:
You look at the earnings demo chart above, it's cool, right? But don't just look at the gains, pay attention to the timing of those gains.
The duration of your investment will directly determine the success or failure of holding an Incremental Life product, and the advantages of Incremental Life and Annuity Insurance are in the long term, not in the next few years – this is extremely important and prone to mismatch many people's expectations.
For readers under the age of 30, I personally do not recommend participating in this wave of discontinuations. Because at your age, there is generally limited idle cash flow – young and beautiful, spending a lot of money, leaving too little and retiring too early. There are also higher priority financial expenses such as health insurance and fund investment, and it is a little early for you to increase life and annuity.
Of course, there is no shortage of young people in their 20s who use this thing as an "anti-chopper" tool, and forced savings should be spent - this insight partner told me.
In short, I want to emphasize: don't blindly follow the trend! Capital attributes, people's expectations are matched with the product, the most important!
8 Finally, list the excellent products that will be dynamically zeroed:
Click the product card mini program above or "Read Original" to apply for insurance.
If you have any questions, please feel free to book an exclusive consultant for consultation.