Focus on the wealth inheritance of middle and high net worth people "just need" Junkang Life to promote the new product "Jinsheng Jinshi Platinum Edition"

With the rapid development of China's economy, the size of the new rich has become stronger and stronger, and they have become more and more fond of wealth planning, and more and more middle-to-high-net-worth people choose insurance to achieve wealth inheritance.

According to the "2019 China Private Wealth Report" (hereinafter referred to as the "Private Wealth Report") jointly released by China Merchants Bank and Bain & Company, the scale of high-net-worth individuals is expected to exceed the 2 million mark in 2019. According to a number of survey reports on the insurance needs of the above-mentioned groups, robustness is the most core cognition of insurance among middle- and high-net-worth individuals, and up to 70% of wealthy and high-net-worth individuals incorporate insurance products into their asset allocation portfolios.

In this context, insurance companies have also targeted the launch of products that combine wealth planning and family protection. Recently, Junkang Life Insurance Co., Ltd. (hereinafter referred to as "Junkang Life") launched Junkang Jinshi (Platinum Edition) Whole Life Insurance (hereinafter referred to as "Jinsheng Jinshi Platinum Edition") for medium and high net worth customers, which has both wealth accumulation, planning and inheritance functions, and belongs to the "wealth protection scheme tailored for families", and therefore, the product has received widespread attention after listing.

Four characteristics to achieve "creating wealth" and "keeping wealth"

The above-mentioned survey report on insurance demand shows that middle and high net worth people recognize insurance as one of the important tools for asset allocation. The Jinsheng Jinshi Platinum Edition continues to escort the safety of family wealth through four major product features and the most temperature guarantee scheme, making it possible to create wealth to keep rich.

First of all, Jinsheng Jinshi Platinum Edition can help customers achieve wealth accumulation through regular investment and compound interest increments. After applying for the product, from the second policy year onwards, the annual insurance amount is increased to life at an annual compound interest rate of 3.5% of the basic insurance amount, that is, the insurance amount in the current year is equal to the insurance amount of the previous policy year multiplied by (1 + 3.5%), and the cash value is stated in the contract to avoid financial market fluctuation risks and lock in interests for a long time.

Secondly, Jinsheng Jinshi Platinum Edition can do a good job of wealth planning for customers. Through the rational planning of the exclusive funds of the Jinsheng Jinshi Platinum Edition, the capital needs of customers at different stages of life or the unexpected needs are met on demand.

Third, Jinsheng Jinshi Platinum Edition has the product characteristics of wealth protection. The premium waiver liability is particularly a bright feature, namely that the insured is exempt from the renewal premium when the insured and the insured are not the same person and the insured is under 60 years of age when he dies or is completely disabled due to accidental injury.

Finally, the Jinsheng Jinshi Platinum Edition has the function of wealth inheritance. That is to say, the customer has the right to designate the beneficiary, etc., to ensure the ownership of the single right and to ensure the directional inheritance.

In addition to the above features, the insurance age of Jinsheng Jinshi Platinum Edition is also very broad, and customers who are born 28 days or older to 70 years old can apply for insurance; and the payment period is flexible, customers can choose to pay in installments during the payment period of 3 years, 5 years, 10 years, 15 years and 20 years.

How high-net-worth individuals can achieve family wealth inheritance

According to the above-mentioned private wealth report, the total wealth held by high-net-worth individuals is expected to increase by 11% to 68 trillion yuan in 2019, while according to the National Bureau of Statistics, China's GDP in 2019 will be 99.09 trillion yuan. The total wealth held by high-net-worth individuals accounted for nearly 70% of GDP in 2019. How can high-net-worth individuals achieve family wealth inheritance through insurance? The Jinsheng Jinshi Platinum Edition may provide a solution to this problem.

For example, Mr. Jun is 55 years old, his wife is 54 years old, and he has two sons and a daughter, both of whom are adults. Among them, the eldest son has a family, and has a 5-year-old son, Mr. Jun loves his grandson very much and has high hopes for him. After graduating from college, the second son and the younger daughter both chose to work hard in the provincial capital city, and usually returned home to visit their parents every month. What makes Mr. Jun anxious is that the two children are not currently improving in their careers, and they have no plans to start a family.

How to make the old partner who accompanies himself hand in hand have a worry-free pension life in the future? In the face of many children, how to use the family wealth they have accumulated to ensure their rich life, and not let their children go to court in the future because of wealth distribution issues, stage a farce of family inheritance competition? And how to get a better education for the third generation of the family? These have become Mr. Jun's most concerned issues.

Mr. Jun chose to insure himself with Junkang Jinsheng Jinshi (Platinum Edition) whole life insurance to achieve the expansion of wealth inheritance benefits, paying 1 million yuan per year and the basic insurance amount of 2.827 million yuan. By the age of 80, the accumulated premiums have been paid of 3 million yuan, and the death insurance and cash value can reach 6.5736 million yuan. Moreover, this wealth can be passed on in a targeted manner, and the beneficiaries are designated to agree on the proportion of inheritance, and the lifelong guardianship of the inheritance is worry-free.

For another example, if Mr. Jun's eldest son and wife also choose to buy Junkang Jinsheng Jinshi (platinum version) whole life insurance, the couple is 30 years old this year, although the annual salary of the two is about 1 million yuan, but at the same time there is pressure such as car loan mortgage, in order to have security for future retirement, and hope that the premium paid has returns, you can choose to let Mr. Jun's eldest son insure himself for 10 years to pay the Jinsheng Jinshi Platinum Edition, with an annual insurance premium of 200,000 yuan. By the age of 50, the death insurance and cash value can reach 3.242 million yuan, and through rational planning, wealth can be accumulated.