With the implementation of the policy of integrating newspapers and banks, the gold insurance market will usher in a major adjustment in 2024, and many high-quality annuity insurance will be discontinued one after another.
But there is one product that sticks to it, and that is the Xinxi Nian Nian Exclusive Edition underwritten by Fude Life Insurance.
There are a lot of highlights of the product, supporting a dual collection plan, a lifetime current price, an additional universal account, and a birthday payment.
Recently, many friends have asked about this product.
Today, let's review the Fude Xin Jubilee Premium Edition to see how the product performs and whether it is suitable for you to buy.
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01
The basic information of the Fude Xin Jubilee Exclusive Edition
The old rules, Daddy sorted out the main content of the Fude Xin Jubilee Exclusive Edition, as shown in the following figure:
People aged 0 to 65 can be insured, and the occupational requirements are more relaxed to meet the pension security needs of different customer groups.
The product provides single payment, annual payment and other payment methods, including 3/5/10 years payment period.
The minimum investment amount is different, such as 10 single investment, 10 years of investment is required, and it is more friendly to people with medium-term capital planning.
The minimum age is 55/60/65/70 for women and 60/65/70 for men.
It should be noted that there are requirements for the starting age of annuity receipt if you choose a different payment period.
The supported issue ages for each payment period are shown in the figure below:
You can choose a monthly or annual payment according to your own needs to ensure a stable annuity.
In terms of protection content, this product provides death protection, which is divided into plan 1 and plan 2, and you can refer to the product table above for the agreed content.
If you originally chose option 1 and want to change option 2 later, you can apply to the insurance company to change it before you receive your pension.
In addition, Fude Xinxi Nian Nian Premium Edition also supports rights and interests such as insurance reduction, policy loans, and docking with universal accounts.
The above policy benefits can help policyholders flexibly adjust their policies to meet their own financial needs.
If you need funds urgently, you can use insurance reduction or policy loan rights to obtain funds to alleviate short-term financial difficulties.
Take policy reduction as an example:
After 5 years, the application can be made, and the sum of the cash value corresponding to the cumulative reduction of the sum insured amount each year shall not exceed 20% of the accumulated premiums paid.
The above is the general content of the Fude Xin Jubilee Exclusive Edition.
02
The four highlights of the Fude Xin Jubilee Exclusive Edition
The highlights of the Fude Xin Jubilee Exclusive Edition, I have summarized the following four points for you:
1. Support the dual insurance plan
As mentioned above, there are two insurance options for the product, and even if you encounter a sudden change, you can also surrender the policy and get back a large amount of money.
The first plan is characterized by high income, which is suitable for friends who want to receive more and improve the quality of pension;
The second option is characterized by a high current price, which is suitable for people who want to balance pension and death protection.
You can choose the right insurance plan according to your needs.
2. Lifelong lasts for life
There are many pension products on the market, and the cash value of the policy will be reduced to zero after the start of receiving them.
However, the Fude Xin Jubilee Exclusive Edition has realized the annuity collection mechanism of "living to old age and receiving old age".
Regardless of plan 1 or plan 2, Xinxi Nian Nian Premium Edition has a current price for life, that is, it lasts for life.
3. There is a birthday pension, which is good news for the elderly
After meeting certain conditions, you can also receive a birthday payment, as agreed as follows:
With the improvement of modern medicine, everyone is rich in material nutrition and has a high life expectancy, so it is very likely to get a birthday payment.
This means that the rights and interests of Zhu Shou Bao provide customers with additional pension financial support.
4. Universal account can be attached
The product can also choose to add Rooibos Type B Universal Account to further enhance the value of the policy.
The guaranteed interest rate of the universal account is 2%, and the annuity has the opportunity to increase its value twice, which is a relatively high level in the market.
The above are the main highlights of the Fude Xin Jubilee Exclusive Edition.
If you want to know more product information, you can click here to click on the free 1-to-1 consultation!
03
The difference between the two versions is profitable
As a pension insurance, the income performance of the product is the focus of everyone's attention.
Suppose a 30-year-old man applies for the Xinxi Nian Exclusive Edition, he chooses to pay 100,000 yuan a year for 10 years, and starts to receive it at the age of 60.
Let's take a look at the earnings performance of Option 1 and Option 2.
Since the age of 60, option 1 can receive an annuity of 124,800 yuan per year, compared to plan 2, which is only 90,900 yuan per year.
Over time, this disparity in entitlement has widened within the same age group.
From the point of view of accumulating annuities, option 1 would be a more desirable option.
However, from the perspective of the cash value of the policy, the advantages of option 2 will be more obvious than option 1.
At the age of 80, the cash value of option 1 is $741,270, while the cash value of option 2 is still as high as $1,400,280.
No matter which option you choose, the IRR of the later policy surrender will exceed 3%, and you will receive an additional life benefit after you reach the age of 88.
To sum up, the two insurance plans of Xinxi Nian Nian Premium Edition have their own characteristics and advantages.
04
How about Fude Life Insurance
Friends who are new to insurance may not know much about Fude Life Insurance, so here is a brief introduction.
Since its establishment in 2002, Fude Life Insurance Company is headquartered in Shenzhen.
The registered capital is as high as 11.752 billion yuan, and the company's total assets exceed 510 billion yuan.
Fude Life Insurance has strong competitiveness and influence in the field of life insurance.
It has successively launched Kangqian No. 5 Ruixiang Life, Fuduoduo No. 1, Xinxi Nian Nian Exclusive Edition and other hot-selling products in the market.
In terms of shareholder composition, the situation is as follows:
All of the above are private enterprises with strong capital, which can provide solid financial support for insurance after-sales service.
In addition, Fude Life Insurance has opened business outlets in 36 provinces and cities such as Shenzhen, Shanghai and Zhejiang, and its business area basically covers the whole country.
If you want to know more about Fude Life Insurance, you can click here for a free 1-on-1 consultation!
05
Daddy concluded
For those who have needs, the Xinxi Nian Nian Premium Edition is an option worth considering.
The overall design of the product, the content of the protection, the policy rights, etc., are all the top level of the annuity insurance market at present.
You can choose the first plan or the second plan according to your actual situation.
If you have any product questions, please click here to consult us!