As the problem of aging becomes more prominent, the pension gap is also widening.
More and more people realize that the future pension can only rely on themselves, no matter what kind of pension method they choose, they are inseparable from money.
How to save for a pension, Dad thinks that it can be planned through savings insurance.
For example, today we are going to share the Xingyingjia (Tiger Roar Version) whole life insurance,
This is a traditional "fixed income" type of increased life, with excellent product income performance, fast return on investment and low insurance threshold.
Use it to save for a pension, and it will give you a steady income and a steady happiness.
Let's take a look at the product details.
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01
The content of the whole life insurance of Star Profit Home (Tiger Roar Edition).
After the predetermined interest rate of insurance was lowered to 3%, the sense of existence of the traditional "fixed income" type of increased life seems to have weakened in today's market when participating savings insurance has gradually become the mainstream of the market.
But I think this kind of product must not be ignored,
Because it is not only the safest product category at the moment, the policy benefits are written in black and white in the contract.
And, in the long run, you can lock in a compound interest income of nearly 3%,
This is rare in the era of falling interest rates.
You must know that the income of bank fixed deposits and treasury bonds, which also have high security, is declining.
At present, the three-year income of large certificates of deposit of large state-owned banks is only about 2.3%, and some well-known large banks have announced that they will stop issuing such products in the near future;
Treasury bonds are backed by the state, but they are very difficult to grab, and the yield on the latest three-year treasury bonds is less than 2.4%.
And large-amount certificates of deposit and treasury bonds are all calculated with simple interest.
In this way, the compound interest of the "fixed income" type of increased life expectancy is close to 3% for a long time, which is indeed very fragrant.
Let's take a look at the basic information of Xingyingjia (Tiger Roar Version):
The product highlights are summarized below:
1. The insurance threshold is low and the protection is flexible
Anyone between the ages of 30 and 70 can be insured, and the age limit is relatively relaxed.
The payment period can also be flexibly selected, supporting single payment/3 years/5 years/10 years, and different payment terms correspond to different minimum investment thresholds, which meet the requirements of different budget groups.
Occupational range 1-7 can be bought, and it is friendly to high-risk occupational groups.
2. The policy has abundant rights and interests to support the second policyholder
Star Home (Tiger Roar Edition) Whole Life Insurance supports policy reduction, policy loans, and more flexible use of funds, and the policy reduction rules are as follows:
In addition, Star Wealth Home (Tiger Roar Edition) Whole Life Insurance supports the second policyholder, which is conducive to ensuring the continued effectiveness of the policy and avoiding the risk of policy lapse due to the accident or illness of the original policyholder.
Here's an example:
For example, Lao Li bought Xingyingjia (Tiger Roar Version) as an insured, and Xiao Li can be used as the second insured.
Then when Lao Li unfortunately passes away, Xiao Li can apply to the insurance company to become a new policyholder, and the policy rights and interests remain unchanged.
3. It can be matched with a universal account to connect with the pension community
Star Profit Home (Tiger Roar Edition) Whole Life Insurance can be attached to the Tiantianying (Dragon Edition) Universal Account, with a minimum guaranteed interest rate of 2% and a settlement interest rate of 3.5%.
You can deposit idle funds into the universal account to enjoy the income of the lowest guaranteed interest rate, and at the same time, you can flexibly adjust the capital allocation in the account according to market conditions to achieve the preservation and appreciation of assets.
In addition, Xingyingjia (Tiger Roar Version) whole life insurance meets certain premiums and can be connected to Xingbao Retirement Community.
Enjoy 22 value-added services such as telephone consultation, free registration fee, medical escort, and high-end physical examination.
02
The performance of the whole life insurance income of Xingyingjia (Tiger Roar Edition).
Compared with other "fixed income" types of increased life, the income performance of Xingyingjia (Tiger Roar Version) whole life insurance is very good.
Daddy takes a 30-year-old man who pays 100,000 yuan a year for 5 years, a total of 500,000 yuan as an example:
You can see:
In the 5th year of the policy, that is, at the end of the premium payment period, the cash value of the policy exceeds the accumulated premium paid at $518954, and there will be no loss of principal even if the policy is surrendered.
Over time, the current price will also increase:
By the age of 50, the cash value reaches 805335 yuan and the IRR reaches 2.679%,
By the age of 60, the cash value reaches 1082296 yuan, and the IRR reaches 2.794%,
By the age of 80, the cash value reaches 1954605 yuan and the IRR reaches 2.879%,
By the age of 100, the cash value reaches 3528268 yuan, the IRR reaches 2.914%, and infinitely close to 3.0%.
And in the 40th policy year, the current price of Star Wealth Whole Life Insurance is 3 times the accumulated premiums paid.
If you surrender the insurance at this time, you can get a considerable amount of money to "add bricks" to the subsequent pension life.
If the policy is not surrendered or reduced, the current price of the policy will continue to increase, and the final current price can reach more than 7 times the accumulated premiums paid.
So, what is the difference between the benefits of different payment periods of Star Wealth Home (Tiger Roar Version) Whole Life Insurance?
We still take "30-year-old men, pay 100,000 yuan a year" as an example, as shown in the figure:
Let's start with the current price growth rate:
The return speed of the whole life insurance is average, and the 3/5/10 year payment closure period is shorter.
Among them, 3 years are paid in the 5th year of the policy, and the cash value exceeds the premium paid.
The current price paid in 5/10 years will increase at the most ideal rate, and the current price will exceed the premium paid at the end of the premium payment period.
Let's take a look at the performance of the IRR:
Through the above figure, it is not difficult to find that the advantages of Xingyingjia (Tiger Roar Version) whole life insurance are concentrated in single payment/10-year payment.
In particular, the cash value of the payment period is very advantageous in the performance of the whole cycle.
At the age of 60, it reaches 2.778% and the IRR continues to grow over time,
By the age of 80 it was about 2.875% and by the age of 100 it was about 2.963%.
Of course, the performance of 3-year and 5-year delivery is also very good.
The IRR of the 3-year delivery can exceed 2.910% in the late stage, and the IRR of the 5-year delivery can exceed 2.914% in the later stage.
03
Daddy concluded
Overall, Xingyingjia (Tiger Roar Version) supports insurance reduction, second policyholders, policy loans, etc., and the choice is more flexible.
In terms of income, the fastest return on investment in 5 years, the IRR can reach up to 2.963%, which is very suitable for medium and long-term financial management people.
In terms of insurance companies, Fosun Prudential Life Insurance Company has strong strength, and its solvency has met the regulatory requirements in the near future, so everyone can choose with confidence.
If you need help with the screening, you can contact us here