Dark Horse Pension Annuity, Xin Jubilee Annual Premium Edition.
He is an independent agent of Chuangge FA, a CFA certified financial analyst, and an MDRT member, with a cumulative life insurance sum of 2 billion. After a round of reshuffle of annuity insurance, an ace annuity insurance was listed, and the once famous Xinxi was upgraded and returned, and the IRR broke through the ceiling of 3.0%, which was as high as 4.52%, which is a well-deserved pension annuity trump card. Brother Chuang will introduce this ace product to you today.
There are four highlights of the New Year:
Highlight one, high pension, Xin Jubilee Premium Edition has two plans.
→ plan one, the version of high income, pension annuity collection is high, suitable for friends who pursue personal pension life.
→ plan two, the version with a high current price, the pension is low, but its price is high, which is more suitable for friends who want to balance pension and capital inheritance.
→ highlight two, the whole body has cash value and is supporting the reduction.
Xinxian Premium Edition has two plans of cash value, both of which last for life, when you die, you either lose the cash price or the premium, no matter when you die, there is a cash value for death, pay to the child, and if you can also use the way of reducing the insurance to get the cash price, very flexible.
Highlight 3, Xinxi Premium Edition can be attached to Ruyibao B's universal account, the guaranteed interest rate is 2%, the current settlement interest rate is 4.3%, there is no threshold, the opening fee is low, and there are no restrictions on adding and receiving it, which helps to better free funds to plan.
Highlight four, birthday money, when you are 88 years old, you can receive an additional birthday payment, which means that you can receive double the pension this year. According to the average life expectancy, the chance of receiving it is still relatively large, and the following will use the plan configured by a wise father for himself in the previous month to tell you. 39-year-old men pay 200,000 yuan a year for 5 years, and start receiving it when they are 60 years old.
Let's calculate the income below the two plans of the Xinxian Premium Edition.
First look at the first plan, the high receiving version, starting to receive at the age of 60, you can receive a pension of 1002400 yuan per year, which is valid for life. At the age of 73, the benefit of the policy has reached 2.06 million, which is 2.06 times the premium paid, and the IRR has broken through to 3%, which is the highest yield among the products with a predetermined interest rate of 3%.
At the age of 80, the interest of the policy has reached 758900, which is 2.75 times the premium paid, and the IRR is as high as 3.53%. At the age of 90, the 3564460 of the policy is 3.56 times the premium paid, and the IRR is as high as 4%. The more you end up with the higher the benefits of the policy. At the age of 105, it is as high as 4.85,860, which is 4.85 times the premiums paid, and the IRR can exceed 4.5. Record high.
From the age of 60, the high-limit version of the second plan can receive a pension of 68,400 yuan per year, which is also valid for life. At the age of 75, the policy interest is $2417,220, which is 2.4 times the premium paid, and the IRR can be as high as 3%. At the age of 20, the interest of the policy is 26883320, which is 2.68 times the premium paid, and the IRR is 3.04%. At the age of 95, the policy benefit is 3,587,960, which is 3.58 times the premiums paid, and the IRR is 3.28%. The IRR of long-term holding option 2 can reach a maximum of 3.39.
On the whole, the annuity receipt of the Xinxi Premium Edition Plan 1 has a higher total income and yield after the age of 75 than that of Plan 2. Option 1 can break through 4.5 in the medium and long term, while Option 2 IRR can reach a maximum of 3.39. In terms of cash value, option two is much higher than option one, and the total return and rate of return will be higher before the age of 74, and both have their own advantages.
Those who pursue the quality of personal pension life can choose the first plan, and those who want to take into account the pension and capital inheritance can choose the second plan, which can be flexibly selected according to individual needs. Remember to like and follow.
