What is a universal account in annuity insurance?

The universal account in annuity insurance is the part used for financial management, and the biggest feature is "flexible and practical, deposit and withdraw at any time", just like the "Yue Bao" account.

After talking about what is the universal account of annuity insurance, let's talk about what the universal account of annuity insurance does!

What it does:If you do not receive a part of the annuity return, it will automatically enter the universal account and increase its value at a certain interest rate. Or customers can add additional funds to the universal account to earn interest.

There are three interest rates involved in a universal account:

1. Guaranteed interest rate:It is written in the contract, no matter how the economic situation changes in the future, this interest rate must be reached, and the guaranteed interest rate of this product is.

2. Settlement interest rate:The settlement interest rate is the actual real interest rate of the universal account, which will be disclosed on the official website of the insurance company every month, and you can check it yourself or call the insurance company directly.

3. Demo interest rate:Because before you buy this policy, you don't know what the actual interest rate is, but in order to let you see the approximate value of the universal account, there will generally be a demo interest rate on the plan, which is generally divided into low, medium and high levels, and most annuity insurance products have more income in the low and medium range.

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The universal account is the part of the annuity insurance used for financial management, and the biggest feature is "flexible and practical, deposit and withdraw at any time", just like the "Yue Bao" account. It can be used as a short- to medium-term wealth management account, or it can be used as a pre-deposit for regular premiums.

Chinese Life Universal Account Income Guaranteed Income, the current settlement interest rate universal account income is between, the insurance company will charge a 2% handling fee for the additional premium, so the additional premium is only placed in the account for a few months is not spent, suitable for long-term storage is more appropriate.

There are three ways to see if a universal account is cost-effective on a daily basis:

Method 1: Look at the actual interest rate of the universal account, for example, the insurance company's existing universal account has been implemented for many years, and the actual interest rate has been maintained at 6% for many years, with an additional 30,000 yuan, and an interest of 1,800 yuan a year, and the interest of the previous year will be included in the principal of the next year, then the additional universal account is undoubtedly cost-effective;

Method 2: Look at the guaranteed interest rate, the universal account is not capped, and there is a guarantee below, but the actual interest rate of the universal account in the future can not be guaranteed, so the higher the guaranteed interest rate, the better, the lowest of the existing universal account is basically, the highest is 3% of the guaranteed interest rate, then the higher the guaranteed interest rate, the more secure;

Method 3: Look at the development and profitability of the insurance company, because the universal account is calculated at the actual interest rate, so the insurance company operates well and the profit is high, then it is bound to have certain fluctuations in the universal account, if the insurance company continues to make profits, then the probability of getting the expected universal interest rate is relatively high, it is more cost-effective.

Worthwhile. The universal account is a flexible financial account attached to annuity insurance or other main insurance, and the universal account is issued by the insurance company and the insurance contract is agreed to guarantee a low interest rate.

1. The expected income is generated from the management and operation of the professional investment personnel of the insurance company. Since the universal account has a guaranteed interest rate, it is relatively safe.

2. The universal account can also be understood as a wealth management account similar to Yu'e Bao, and there will be a certain amount of interest in each period.

Extended information: 1. There is also some uncertainty about how much income the universal account can generate in the future, in contrast, if you choose an annuity insurance product that guarantees principal and interest, the income will be relatively stable, and how much money you can receive in the future has been determined. After evaluating hundreds of annuity insurance products, Mint Insurance has screened out 8 annuity insurance products with very good returns for your reference and comparison.

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Second, when the customer is insured, if the universal account is opened, then you need to deposit some money into it, and how much money you want to deposit for the first time depends on the specific product, of course, the customer can also add it later. In addition to the customer's own savings, the other funds** are the transfer of the survival annuity. According to the contract, the insured can start to receive a sum of money at the agreed time, and if the insured does not want to receive it for the time being, then the money can be transferred to the universal account for a second value-up.

3. The universal account is a flexible financial account attached to the annuity insurance or other main insurance, and the universal account is issued by the insurance company and the insurance contract stipulates a low interest rate. It should be noted that there is an initial fee of 3% for opening a universal account, and additional fees will also be charged after that. Mint Insurance provides users with personalized needs analysis and risk assessment, customized family protection plans, matching the most suitable insurance products on the market, and providing detailed plan interpretation.

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It is the cash value account of universal insurance, which can be withdrawn at any time without a loan, and the account amount is compounded and interest-bearing, which is different from traditional insurance.

The universal account is actually the insurance company uses part of your premium to reinvest to create more expected annualized returns for you, usually the universal account has a minimum guaranteed expected annualized interest rate, and the method of monthly compound interest is used for diary interest, so the expected annualized return will be relatively high.

Hello, the Life Universal Account is the Gold Account. Also known as gold account annuity insurance (universal type), there is no initial fee and no policy management fee for the insurance premium that is automatically transferred.

In addition, this product has an annuity payment function. If the contract has been in force for three policy years and the insured is alive, the annuity beneficiary can apply for an annuity from the insurance company. If the insured survives to the effective date of the contract on the first effective date of the year after the annuity beneficiary applies for the annuity, the insurance company will pay the annuity at the rate of 10% of the current personal account value on the corresponding date of the annual effective date of the contract.

Finally, the product is flexible in terms of insurance and withdrawal. Anyone between the age of 28 days and the age of 80 can become insured.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The meaning of the insurance annuity account is the universal account of the gold insurance is as follows:

The Magnum Account was originally known as Magnum Insurance.

In essence, it is a type of insurance in insurance. There are two types of universal accounts, one that is attached to the main insurance and one that is sold independently. At present, it is more common to attach it to annuity insurance.

Above. The universal account of annuity insurance is equivalent to a flexible wealth management account, and the insurance company will stipulate the guaranteed interest rate in the contract. Consumers can flexibly invest funds, either by saving their own money or by transferring income from annuity insurance to achieve wealth appreciation.

Universal accounts can generally be added without restrictions, but it should be noted that different annuity insurance wealth management accounts will be charged with relevant fees, which will also be clearly stated in the contract.

Consumers should pay attention to the terms and conditions of the insurance contract when applying for insurance, and remember not to treat the expected return as a real return, which is uncertain.

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Insurance annuity accounts are now generally referred to as annuity insurance and universal accounts. The universal account can also be popularly understood as a wealth management account set up in universal insurance.

Next, the senior sister will give you a specific talk about these two types of insurance.

Before you start, if you don't know much about some basic knowledge of insurance, you can take a look at this: Before buying insurance, you must first understand these key knowledge points!

1. Annuity insurance.

Annuity insurance means that the policyholder or the insured pays the insurance premium at one time or on time, and the insurer pays the insurance premium annually, semi-annually, quarterly or monthly on the condition of the insured's survival until the death of the insured or the expiration of the insurance contract.

In addition, annuity insurance has the advantages of regular payment, compulsory savings and high security.

According to the role of annuity insurance, it can be subdivided into pension or pension insurance, education annuity insurance and universal annuity insurance, etc.

If you still want to know more about annuity insurance, you can take a look at this: Is annuity insurance good? Is there anything I need to pay attention to? What are some good products?

2. Universal insurance.

Universal insurance is a type of life insurance that has an insurance protection function and a separate policy account, and the policy account value provides a minimum benefit guarantee.

Universal insurance can make the money invested in the account compound interest, but it also has one important thing to pay attention to.

There is only one guaranteed interest rate for universal insurance, but we are uncertain whether its final benefit is more or less.

Therefore, when you buy universal insurance, you should still be cautious.

Although the universal account needs to charge an initial fee and a handling fee when withdrawing money, the universal account has the ability to compound the annuity insurance income and increase the value, which is still cost-effective, but it still depends on personal needs to choose whether it is attached.

Before starting, friends who are relatively new to annuity insurance may wish to take a look at this article first:Learn this trick and stay away from the 99% pit of annuity insurance

First of all, annuity insurance is a life insurance with a financial nature, which takes into account the functions of death protection and annuity payment. The universal account is an investment and wealth management account that comes with universal insurance, which is equivalent to a deposit account, and the funds will be compounded and increased according to a certain proportion.

Generally speaking, the universal account will be sold with annuity insurance, and consumers can choose to transfer the annuity obtained to the universal account, so that the income of the annuity insurance can be increased twice.

The universal account will set a guaranteed interest rate, and the guaranteed interest rate determines how much guaranteed income we can get in the end, and the universal account with the higher the guaranteed interest rate is naturally the first choice.

When it comes to universal accounts, universal insurance is inseparable. Nowadays, many people like to use universal insurance to manage their finances, so the senior sister suggests that this kind of people should pay attention to these points:Wealth management with universal insurance, stable and safe income? Doxxing universal insurance!

It should be noted that the universal account needs to charge a handling fee, which is the initial fee and the withdrawal fee.

The universal account will deduct a certain percentage of the initial fee first, and then the remaining part will be credited to the policy account, and then the policy account will add value to the account on a pro-rata basis. At the time of withdrawal, the universal account will be charged a pro-rata fee for the continuation of the hand, but generally no handling fee will be charged in the 6th year of the policy and beyond.

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The universal account of the insurance is the cash value account of the universal insurance.

This account can be withdrawn at any time, without the need for a loan, and the account amount is compounded and interest-bearing, which is different from traditional insurance. Universal insurance is a life insurance product with variable premiums and sum assured, which takes into account both protection and investment functions, allowing customers to choose flexibly in terms of payment method and policy face value. It includes insurance protection functions and sets up a life insurance with a guaranteed expected annualized return investment account, which has the characteristics of flexible premium payment, adjustable sum insured, and more transparent handling fees.

Compared to other types of insurance, universal life insurance is very transparent in terms of fees, and the proportion of premiums paid minus initial fees, protection costs and investment accounts is clearly stated. Every month, some insurance companies settle the policy account value on a quarterly basis and publish the settlement interest rate for the current quarter of the month.

Summary. Hello, no. The principal of annuity insurance cannot enter the universal account, and only the income of annuity insurance can enter the universal account.

Hello, no. The principal of annuity insurance cannot enter the universal account, and only the income of annuity insurance can enter the universal account.

If you take out annuity insurance, the premium principal cannot enter the universal account, but you can receive the insurance money every year, if you do not receive it, you can enter the universal account, and in the universal account, you can earn according to the interest rate.

After entering the universal account, if I don't collect it, when will the annual income of Sakura Annuity Insurance enter the universal hail insurance? Is it right away to a universal insurance account?

If the annual income of the annuity insurance is not received within one month, it will be transferred to the universal insurance account.

The universal account is actually an account in the universal insurance of the insurance company, which can be simply understood as a financial account of the insurance company. Generally, it will cooperate with Bodong annuity insurance to increase the value of the second answer, and there is a guaranteed interest rate. However, the actual income is subject to the inter-band settlement interest rate of the cleared bank.

A month to turn around? There is no agreement in the contract. Is this the norm in the industry?

This is in accordance with the contract. For most insurance companies, the annuity insurance income will be transferred to the universal account if it is not received within a month.