After a round of updates to the pension insurance in the market, the most popular one is the Xinxi Niannian Premium Edition of Fude Life Insurance.
Fude Life Insurance has launched a lot of hot-selling pension products in recent years, I don't know how about this new product-Xinxi Nian Nian Premium Edition, whether it is worth buying?
The main content of this article is as follows:
The basic protection content of Fude Life Xinxi Nian Nian Exclusive Edition Pension Insurance
What are the policy benefits of Xinxi Nian Nian Exclusive Pension Insurance
Write at the end
1. The basic protection content of Fude Life Xinxi Nian Nian Exclusive Edition Pension Insurance
The following table shows the coverage for this product.
Fude Life Insurance is a national professional life insurance company, established in 2002, headquartered in Shenzhen, with a registered capital of 11.752 billion. At present, it has 35 branches, more than 1,000 branches and service outlets across the country, and has been selected as one of the "Top 500 Asian Brands" for 12 times and the "Top 500 Enterprises in Shenzhen" in 2021, ranking among the top three in the insurance industry.
Xinxi Nian Nian Exclusive Edition is a lifelong pension insurance underwritten by Fude Life Insurance. It is suitable for people born 25 days old to 65 years old, and can be insured by occupations 1-6 categories, and the payment period can be paid at one time/3 years/5 years/10 years, of which, 100,000 at one time, 30,000 in 3 years, 20,000 in 5 years, and 10,000 in 10 years.
The main insurance liabilities are annuity payment, life expectancy, and death benefit.
(1) Annuity payment
There are two types of receiving schemes, the first plan is to receive a high annuity to help the quality of the pension life, and the second plan is to have a high current price to take into account both pension and inheritance. In addition, the two plans can be changed freely until the annuity start to be paid, which is very flexible.
The cash value of both plans lasts for life, and the current price of option 2 is higher.
The annual payment is 100% of the basic sum insured, and the monthly payment = 8.5% of the annual payment;
Women can choose to start receiving at the age of 55, 60, 65, and 70, and men can choose to start receiving at the age of 60, 65, and 70.
(2) Congratulatory money
If the insured is still alive at the age of 88, the insurance company will pay the life benefit according to the basic sum assured of the main insurance contract, that is, at the age of 88, he can receive 2 times the basic sum assured, which is equivalent to receiving 2 pensions.
(3) Death benefit
If the insured passes away before the annuity is paid, the death benefit will be paid according to the greater of the premiums paid and the cash value.
In the event of death after the annuity payment begins, the cash value will be paid as the death benefit under the benefit plan 1, and the death benefit will be paid according to the greater of the premium paid and the cash value under the benefit plan 2.
2. What are the policy benefits of Xinxi Niannian Exclusive Pension Insurance?
Here's the point, what is the level of Xinxi Nian Nian Premium Edition, and what is the policy benefit?
Take 30-year-old Ms. Zhang's annual payment of 50,000 yuan and 10 years as an example, let's take a look at how much each year the two plans receive and what the policy benefits are.
Plan 1: High claim + current price for life
[55 years old] 46,950 yuan per year, the monthly amount is 3,990 yuan, and the cumulative amount of survival to 80 years old is 1.22 million, 2.4 times the premium, and the current price is 279,000 at this time. The total benefit of the policy is as high as 1.499 million, which is about 3 times the premium!
Survive to the age of 88, there is an additional 1 times the basic sum assured as a life payment, and by the age of 88, you can receive a total of 1.643 million, 3.3 times the premium! At this time, the current price is still 155,000, and the total benefit of the policy is as high as 1.798 million, 3.6 times the premium!
55 retires, can receive 3990 yuan per month, not only can enjoy retirement life early, plus social security pension, old age life can be more relaxed and comfortable.
[60 years old] 62,400 yuan per year, the monthly amount is 5,304 yuan, survive to the age of 80 to receive a total of 1.31 million, 2.6 times the premium, if you surrender at this time, you can also get back the current price of 371,000. The total benefit of the policy is as high as 1.681 million, which is about 3.4 times of the premium!
Survive to the age of 88, plus additional life benefits, a total of 1.872 million annuities, 3.7 times the premium! The cash value is still 206,000, and the total policy benefit is as high as 2.078 million, 4.2 times the premium!
From the age of 65, the annual receipt is 70,250 yuan, and the monthly receipt is 5,971 yuan;
From the age of 70, 96,000 yuan per year, and 8,160 yuan per month!
It can be seen that the one-year pension of the plan is really high, and it is worthy of being the product that ranks among the top in the market! Coupled with the cash value that lasts for life, the overall policy benefit performance is very good! As long as people live, they will have money for life, and if they unfortunately pass away, the insurance company will pay the cash value, and the pension and security will be taken into account.
Plan 2: High current price + lifetime
Before the pension begins, Ms. Zhang can also change plan 1 to plan 2, so that she can receive the annuity for life, achieve exquisite pension, and enjoy higher cash value and wealth inheritance.
[55 years old] 33,750 yuan per year, 2,868 yuan per month, 878,000 yuan for survival until the age of 80, the current price is as high as 623,000 at this time. Then the total benefit of the policy is 1.501 million, which is 3 times the premium.
If you die at the age of 80, in addition to the 878,000 annuity you have received, you can also pass on 623,000 to the beneficiary!
If you survive until you are 88 years old, plus the life expectancy, you can receive a total of 1.181 million, 2.4 times the premium! At this time, the current price is still about 560,000, and the total benefit of the policy is as high as 1.741 million, 3.5 times the premium! If you die at the age of 88, the inheritance is still as high as 560,000.
[60 years old] 45,450 yuan per year, 3,863 yuan per month, 954,000 yuan for survival to 80 years old, and 700,000 yuan at the current price. 700,000 is the death benefit, surrender benefit, and inheritance money at the age of 80.
Then the total benefit of the policy is 1.654 million, which is 3.3 times the premium.
Survive to the age of 88, receive a total of 1.364 million, the current price is 600,000, the total policy benefit is 1.964 million, and the premium is 3.9 times!
It can be seen that the second plan is not as high as the first plan, but it can also be received for life, more than 3,800 per month from the age of 60, plus social security pension, the pension life can still be relatively easy; the point is that the cash value is much higher, once the death of the designated beneficiary can get a high amount of inheritance money, valid for life!
3. Write at the end
The "Xinxi Niannian" series has developed into an excellent pension insurance IP, and several products have been very popular in the past. This Fude Life Xinxi Nian Nian Exclusive Edition Pension Insurance is as good as ever, and the policy benefits are at the forefront of the market:
Plan 1 High Receiving + Lifetime Current Price to Help Quality Pension;Plan 2 High Current Price + Lifetime Payment, Exquisite Pension and Wealth Inheritance!
In a word, it's worth buying! If you want to buy it, feel free to get it.