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Recently, Taikang Life Insurance has newly launched Taikang Xinxiang Family Whole Life Insurance (Participating Type) (referred to as Xinxiang Family (Participating Type)). In the era of longevity, the cycle of low interest rates is superimposed, and the demand for low-risk financial products has huge potential. As a whole life insurance with both "protection" and "reserve" functions, Xinxiang Family (dividend) has guaranteed benefits and dividends, providing customers with "double certainty" long-term protection for their wealth, and effectively helping customers complete life goals such as wealth appreciation, pension and inheritance.
Regardless of market fluctuations, we can achieve steady wealth appreciation
As an effective wealth risk management tool, one of the significant advantages of Xinxiang Shijia (Dividend) is that it can help customers lock in certain interests in advance, and escort customers with a certain insurance policy when uncertainty increases. Features are as follows:
Guarantee value-added, continuous safety and stability. Xinxiang Family (Participating) is a whole life insurance that will "grow up", the effective sum insured and cash value increase year by year, the longer you hold it, the higher the corresponding effective sum insured. After the policy is applied, the annual cash value of the policy is clearly written into the contract, which effectively protects against market fluctuations and ensures the safety of wealth. After the cash value exceeds the accumulated total premiums paid, the compound interest will increase at a certain rate to help customers lock in long-term policy benefits.
Flexible withdrawals to respond to demand. Flexibility is one of the highlights of increased whole life insurance, which allows you to receive cash value by reducing or surrendering the policy according to your needs, and flexibly plan your funds. In the same policy year, the maximum amount of the basic sum assured at the time of insurance application can be reduced by 20%, and the corresponding cash value can be received to meet the needs of children's education, quality of life, supplementary pension and other plans. It also has the right to convert annuities, which can be converted into annuities in accordance with the contract, providing a certain cash flow and helping customers to achieve long-term planning and short-term capital needs to switch freely.
Support "double insured" and comprehensive protection. The product supports the "double insured" to apply for insurance, which can be insured for a longer period of time and for a longer period of time, which can realize the joint investment of husband and wife, parents and children, and can also achieve the "intergenerational insurance" of grandchildren. It can continue to extend the growth cycle of policy benefits and achieve strong protection equal to the life of the family. In the case of the death or total disability of the insured, the death or total disability insurance benefit will be paid, and if you apply for the "dual insured" model, you will also receive the benefit of the first insured person who dies or becomes totally disabled after the age of 18. At the same time, the "dual insured" also has the function of extending the insurance period, and can receive the corresponding cash value according to the contract through the policy reduction.
Share the results of your business and seize new wealth opportunities
Another highlight of Xinxiang Family (Dividend) is that it can enjoy the rights and interests of dividends, realizing "fixed policy benefits and predictable dividends". Customers can receive cash dividends (non-guaranteed) every year to share the operating results of the company's participating insurance business. The specific functions are as follows:
Increase dividends and grasp the possibility of upwards. In the context of the implementation of the new asset management regulations, low-risk financial products are more favored by multiple factors such as fewer and fewer expected return products, declining returns on risk assets, and continued lower interest rates. According to the regulatory requirements, the proportion of participating products allocated to policyholders shall not be less than 70% of the distributable surplus; When the surplus is small, the special reserve of dividend insurance can smooth the dividend level. Xinxiang Family (Participating) can not only provide customers with fixed policy benefits, but also enable policyholders and companies to share the potential for future investment income increases.
There are four ways to receive it, and the planning function is more prominent. Xinxiang Family (Dividend) provides customers with four ways to receive dividends: cash collection, accumulation of interest, payment of insurance premiums, and purchase of increased insurance, with more prominent planning functions and more flexible applications. For example, if a customer chooses the cash pickup method, the dividends can be transferred to universal insurance for a second increase.
Taikang's dividend strength protects the policy income. The design of dividend-paying products generally follows the principles of revenue sharing and risk sharing. The dividend level of participating products mainly depends on the actual operating results of the participating insurance business of the insurance company, and the dividend distribution fluctuates. Choosing a good participating insurance is to choose the insurance company behind the product. Taikang has continued to adhere to the participating insurance business for 24 years, and the dividend mechanism is mature.
Taikang strength escort, fully embrace a happy life
Xinxiang Shijia (dividend) can also be insured with the universal account (Taikang Tianfu whole life insurance (universal), the minimum guaranteed interest rate is 1.5%), the annual dividend of life insurance enters the universal account after deducting the initial cost, the second value-added, daily interest and monthly compound interest, there is a guarantee at the end of the year, and there is no need to deduct fees after five policy years, and there is no limit, which can be called the "amplifier" of dividends. At the same time, universal accounts can be added to help customers manage their finances flexibly.
In addition, in order to meet the growing demand for diversified health services of customers, Xinxiang Shijia (dividend) can also connect with Taikang Lvtong Longteng version of the service around the needs of customers and families, and link high-quality medical and health services for individuals and families. At present, Taikang Lvtong has covered more than 1,500 tertiary hospitals in 31 provinces (autonomous regions and municipalities directly under the central government), including more than 80,000 preferred experts, covering the authoritative medical resources of the top 100 hospitals in China.
With outstanding advantages such as safety and stability, and a promising future, Xinxiang Shijia (dividend-paying) is expected to become the preferred choice of the market and customers. Behind such an excellent product, there is Taikang's strong corporate strength as a support. As of 2024, Taikang Insurance Group has been listed on the Fortune Global 500 list for seven consecutive years. With assets under management of more than 3.8 trillion yuan and pension under management of more than 890 billion yuan, Taikang has become one of the largest pension investment management companies, ranking 58th in the world and 3rd in China in the IPE Global Asset Management 500 in 2024. Taikang Life has always adhered to the values of "specialization, marketization and standardization", insisted on deeply cultivating the life insurance industry chain, and under the guidance of new life insurance, it has not forgotten its original intention, innovated and sustained, and is committed to serving the people with more professional services and diversified product systems, and the ways and means of market economy.
Risk Warning: 1. The specific insurance liability and liability exemption are subject to the product terms of "Taikang Xinxiang Family Whole Life Insurance (Participating Type)". This product is essentially a whole life insurance with death benefit. 2. "18 years old and later" refers to the effective date of the first year after the age of 18 (inclusive). 3. There will be certain economic losses when the policy is reduced or surrendered within a certain period of time, and the basic sum insured and the effective sum insured will be reduced after the policy reduction. 4. This product is a participating insurance. Policyholders can enjoy the right to distribute the surplus of participating insurance products of insurance companies in the form of policy dividends. The dividend distribution of this product will change according to the actual operation of the participating insurance business, and future policy dividends are non-guaranteed benefits, and dividends are not certain and may be zero. 5. Please carefully read the insurance terms and conditions regarding liability exemption, exclusion, obligation to truthfully inform, surrender outside the hesitation period, waiting period, hospital scope, etc.
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