Let's take a look at a few data items before we get started:
The population is ageing day by day, and more and more people are receiving money.
More and more people are realizing that it is not enough to rely on a basic pension for a high-quality retirement life.
To supplement the pension, the dad recommends the pension insurance.
For example, the recent launch of the new Dragon Rise 3.0 (Dragon Leap Version) pension insurance, the overall annuity is high,
There is a current price for life, which can provide the insured with a steady stream of cash flow.
For quick enquiries, click here:
01
What are the highlights of Dragon Heads Up 3.0 (Dragon Leap Version) Annuity Insurance?
Dragon Heads Up 3.0 (Dragon Leap Version) is a pure pension insurance product, which is equivalent to lifelong protection until the age of 106.
It is very suitable for friends who want a cash flow equal to life, or want to improve the quality of future pension.
Let's take a look at the specific coverage of this product:
At present, the Dragon Head 3.0 (Dragon Leap Version) annuity insurance supports up to 55-year-old people to apply for insurance, with a single payment of 20,000 yuan and an annual payment of 10,000 yuan, and the insurance threshold is not high.
Let's take a look at the advantages of Dragon Raising Head 3.0 (Dragon Leap Version) annuity insurance:
1. The threshold is ultra-low, and there is no health notice
Dragon Heads 3.0 (Dragon Leap Version) pension insurance not only has no occupational restrictions, but also no health notice.
Whether it is a high-risk occupation, or a friend who has physical health problems and cannot buy other insurance products, you can buy Dragon Heads 3.0 (Dragon Leap Version) pension insurance as a pension supplement in later years.
However, it should be noted that different payment ages and payment deadlines correspond to different upper age limits:
2. Flexible payment and diverse age groups
Dragon Raising Head 3.0 (Dragon Leap Version) pension insurance supports payment for up to 20 years, which can effectively reduce the pressure on premiums and is very suitable for long-term "fixed investment" of the working class.
Of course, if you have enough financial ability and don't need to use a spare amount of money in a short time, you can choose to pay it in a single payment/3/5 years.
In addition, Dragon Head 3.0 (Dragon Leap Version) annuity insurance can be selected at the age of 55 at the earliest (women only), which is very suitable for friends who want to retire early and receive a pension earlier.
Moreover, Dragon Heads 3.0 (Dragon Leap Version) supports changing the frequency of receiving before or after receiving the first pension, which is generally more flexible.
3. The maximum insurance is 106 years old, and the current price lasts for a long time
The protection period of Dragon Heads 3.0 (Dragon Leap Version) is extended to the age of 106, which can provide long-term financial support for future retirement.
It is worth mentioning that the Dragon Heads Up 3.0 (Dragon Leap Version) pension insurance still has cash value after the policy starts to be received.
It lasts until the age of 104, and the surrender before the age of 104 is at a current price.
The cash value of the policy is the amount of money that can be recovered in case the policy is surrendered, and the current price lasts for a long time, which can make the policy relatively flexible.
If we don't surrender the policy, we can always receive the annuity, and if we surrender the policy, we can also get back a lump sum of money for emergencies.
02
What about the income of Dragon Raising Head 3.0 (Dragon Leap Version) annuity insurance?
Daddy takes a 30-year-old man, pays 100,000 yuan a year, and pays for 5 years as an example to demonstrate the policy benefits of Dragon Heads 3.0 (Dragon Leap Version) annuity insurance:
Let's look at the annuity first,
Starting from the age of 60, you can receive an annuity of 57,800 yuan per year, which is about 4,816 yuan a month, and if you pay social security for 15 years, add the two back, and you will have a good pension in your later years.
By the age of 69, the cumulative annuity received is 520,200 yuan, which exceeds the premiums paid.
If you continue to receive annuity until the age of 100, you can receive a total of 2,313,000 yuan in annuity, which is more than 4.6 times the premium paid.
Corresponding cumulative IRR,
At the age of 90, the cumulative IRR reaches 3.179%, and by the age of 100, the cumulative IRR reaches 4.068%.
Looking at the cash value again,
The pension also has a cash value after receiving it, and it can last until the insured person is 104 years old, which is a long duration and can provide the insured with stable financial security.
At the age of 80, the surrender IRR has reached 3.097%, and the current price of 423086 yuan can be recovered by surrendering the policy at this time.
The above case only introduces the income paid in 5 years.
If you would like to learn more about other payment periods, or plans for other ages, you can click here to schedule a free consultation.
03
Daddy concluded
With the intensification of population aging, the issue of old-age care has become the focus of social attention, and old-age care is also a problem that everyone will eventually face.
Dad also often advises friends around him to do a good job of asset planning and pension savings as soon as possible when they are still capable.
And the overall performance of Dragon Heads 3.0 (Dragon Leap Version) is still good:
The insurance threshold is relatively low, which is very suitable for wage earners and high-risk occupations;
The annuity is high, the current price lasts for a long time, and it can give the insured a stable pension security.
If you want to know more about the product details, you can click here to consult us