Buy savings insurance,
If we want to balance the flexibility of funds in the early stage of the policy and have a stable cash flow in the later stage,
Don't miss the class increased life pension insurance!
But with wave after wave of drops off the shelves, there are not many good products of good quality.
I noticed that we have recently launched a new product - Daying Home (Collector's Edition).
In the early days, the current price grew rapidly, and the use of funds was very flexible;
When you reach the agreed age, you can receive a pension again.
What are the highlights of Daying's House (Collector's Edition), and is it suitable for you to buy?
Let's take a look.
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01
What are the highlights of Daying House (Collector's Edition)?
I have summarized the basic information of this product for you:
It supports people up to 65 years old to apply for insurance, and there is no health notice.
It is very suitable for people who are not in good health and want to buy savings insurance, but can't buy it.
Let's focus on the following highlights:
1. Support insurance reduction
The insurance reduction is written into the contract and is very stable:
After the contract is valid and has taken effect for 5 years, you can apply for a reduction in insurance.
The maximum annual reduction amount shall not exceed 20% of the total accumulated premiums paid.
This requirement of the insurance reduction rule is basically the standard configuration of the current conventional increase life.
2. There is a current price for life
The reason why this product is flexible,
One is because the current price in the early stage is growing fast!
Take a 30-year-old man, pay 100,000 yuan a year, pay 10 years, and start at the age of 60.
The lock-up period is only 9 years, and the current price has already exceeded the premium paid.
Traditional annuity insurance products often take about 20 years, or even more.
Second, the current price lasts for life, and the long-term current price is high
Again, in the previous example, in the 50th year of the policy,
That is, at the age of 80, the current price is still more than 1.56 million!
If the pension at that time is not enough to spend, it is possible to receive more money through the partial insurance reduction function.
02
There are 3 common usage scenarios for Daying House (Collector's Edition).
After understanding the advantages of Daying House (Collector's Edition),
What is the income of the product, and who is it suitable for?
I'll take three common use cases as examples:
Scenario 1: Buy your child as an education/wedding payment
Compared to adults, children are young,
If you want to get a pension, you have to wait for decades.
Therefore, many customers prefer to give priority to their children's education or marriage reserves.
The early form of Daying House (Collector's Edition) is similar to that of increased whole life insurance.
It can be used as an increase in longevity.
Take a 0-year-old male treasure with an annual payment of 100,000 yuan and 5 years as an example:
In the 8th year of the policy, i.e. when the child is 8 years old, the current price > the premiums paid.
After that, just wait for the current price of the policy to increase.
- When the child is 18-21 years old, he will receive 50,000 yuan per year as a supplement to his university education through the insurance reduction;
- When the child is 22-24 years old, he will also receive 50,000 yuan per year as the education expenses during the graduate school through the insurance reduction.
Of course, it doesn't matter if the child doesn't want to go to graduate school too much.
The 50,000 yuan will be used as a subsidy for the child when he first enters the workplace.
In this way, children will be more confident when they are employed.
In the past 7 years, the cumulative reduction of insurance has been 350,000, and the current price of the account is more than 440,000.
If there is no follow-up need, you can save until the child gets married.
For example, when he was 30 years old, the current price of the account reached more than 520,000 yuan, and it was appropriate to use it as a wedding money at this time.
Scenario 2: I want to balance pension and inheritance
Daying Home (Collector's Edition) itself is an old-age insurance insurance, with current price and death benefit protection for life.
It is a balanced annuity insurance.
Therefore, in terms of the amount of annuity received, it is not particularly high.
It is more suitable for friends who are used as pension supplements and want to take care of inheritance.
Take a 30-year-old man who pays 100,000 yuan a year, pays for 10 years, and receives it at the age of 60 as an example:
In the 9th year of the policy, i.e. at age 39, the current price > the premiums paid.
From the age of 60, you can receive a pension of 63,100 yuan per year, and the current price is still more than 1.8 million at this time.
When the policy is surrendered at the age of 80, the accumulated premiums paid have been fully recovered.
At this time, the current price of the account is still more than 1.56 million.
If you don't want to receive it, you can take out the money and pass it on to your children as property.
until the age of 100, a total of more than 2.58 million has been received, which is twice the premium paid;
The current price of the account is 1.13 million, which is relatively good compared to similar products.
Scenario 3: Parents use it to collect rent/retirement
In Guangdong, the rent is also a good pension supplement.
But now the property market is cold, and the rental house still needs to be taken care of.
In case you encounter some bad tenants, it is easy to lose money.
The older the parents, the more difficult it is to deal with these things.
Therefore, as a rent collection or a small helper for the elderly, the continuous cash flow of Daying Home (Collector's Edition) is also a good alternative.
Take a 50-year-old man who pays 200,000 yuan a year for 5 years as an example:
The total premium is 1 million, which is equivalent to a good small three-bedroom in a third-tier city.
After the age of 60, you can receive 32,400 yuan every year, and if you choose to receive it monthly, you can also receive 2,738 yuan.
The money is credited to the card on a regular basis, so you don't have to worry about taking care of it.
has been receiving until the age of 90, with a total of more than 1 million "rent", and the current price of the account is still more than 1.01 million at this time.
It is completely possible to quickly get back the current price of the account by surrendering the policy, and there is no need to worry about the price of the house not selling well or falling in the future.
03
How about everyone's pension insurance?
The underwriting company of Daying Home (Collector's Edition) is a wholly-owned subsidiary of Everybody Insurance Group.
The group was established in June 2019 with a registered capital of 20.36 billion yuan.
The strength is strong, directly catching up with Chinese life and other big insurance companies.
And the bigwigs who contributed are:
- China Insurance Security Fund Co., Ltd.;
- China Petroleum & Chemical Corporation;
- Shanghai Automotive Industry (Group) Corporation.
SAIC and PetroChina are familiar to everyone, so I won't introduce them here.
What is the origin of this insurance protection fund company?
It is the ballast stone of the insurance industry!
The premiums obtained by the insurance company must be paid according to a certain percentage of the insurance protection fund.
This fund is operated by China Insurance Security Fund Co., Ltd. to cover industry risks.
We have three industry leaders behind the support, and our strength is as stable as Mount Tai.
It has subsidiaries such as Everybody Life, Everybody Property Insurance, and Everybody Pension.
It is a comprehensive insurance group whose business scope covers endowment insurance, property insurance, life insurance, asset management and other fields.
Of course, the insurance licenses that should be available are also very complete, including:
Insurance sales agents, insurance brokers, insurance adjusters and Internet hospitals, etc.,
Even the industry's scarce third-party payment license and insurance private equity fund manager license are available.
Let's take a look at the payout issue that everyone is very concerned about.
Although the core/comprehensive solvency adequacy ratio and risk level of our insurance have not been announced to the public for the time being.
However, we can also take a look at its claims payment from its claims annual reports over the years.
Taking Dajia Life Insurance as an example, from 2020 to 2022, a total of 2.588 billion yuan has been lost.
The speed of compensation is also unambiguous, with 93% of customers closing their cases within 24 hours after the claim information is complete.
This speed is faster than many big insurance companies.
So, in general,
Everyone's insurance is backed by industry bigwigs, with strong strength,
Moreover, it is a state-owned enterprise with complete documents and a wide range of business.
Don't worry about the safety factor!
04
Daddy concluded
In general, the current price of Daying Home (Collector's Edition) annuity insurance has grown rapidly in the early stage.
The current price lasts for life and is high in the long term.
Support policy reduction, flexible use of funds.
However, the overall annuity is not particularly high.
It is more suitable for friends who want to take into account pension and inheritance, and prefer similar increased annuity insurance.
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