How to calculate the universal income of China Life Xin account insurance

At present, the settlement interest rate is as high as 10,000 yuan, the income of 1 day is yuan, and if the compound interest is 12 times in 1 year, the interest of 100,000 yuan a year can reach 5,168 yuan!

As long as the customer insures the relevant financial insurance and the "Xin account" at the same time, in the case that the beneficiary of the survival insurance of the wealth management insurance is the policyholder, agrees to transfer the survival insurance, dividends, annuities and maturity insurance and other survival income to the "Xin account", so as to realize the combination of financial insurance and the lifelong "Xin account", and enjoy the daily interest and monthly compound interest for free, as long as the amount of the universal account meets the company's regulations, it can be received for life.

After the survival income enters the universal type of insurance in the China Life Xin account, according to the needs, the "Xin account" can realize wealth preservation and asset inheritance, wealth management, and "Xin" is full of "profit".

"Seven Highest Yield Dividend Insurance! China Life Xin Account Insurance is a relatively popular wealth management insurance, what is its income? Let's take a look at it.

To put it simply, it refers to a kind of life insurance in which the insurance company will distribute the distributable surplus of the participating insurance in the previous year to the customer in a certain proportion. There are actually a lot of pitfalls behind the seemingly bloody income of dividend insurance, and my friend also read the article I wrote about dividend insurance for a month, and said that there are still so many routines:Why are there so many complaints about participating insurance?

Demystifying the mystery of participating insurance

Advantages of Guoshou Ruixin:

1. Receive a fixed survival insurance premium of 8% of the basic sum insured every 3 years.

Receive a maturity payment at the age of one. At the age of 80, you will receive 3 times the basic sum insured, and if it is 500,000 sum insured, you can receive 1.5 million maturity payment at maturity.

3. Dividends are distributed every year. The dividend distribution plan is determined according to the actual operating conditions, which can be received in cash or accumulated to earn interest.

Guoshou Ruixin disadvantages:

1. There are few types of critical illnesses. Because it is an additional critical illness insurance, there are only 12 types of critical illness protection, which is relatively small compared to real critical illness insurance products.

2. There is no protection for mild illness. Compared with other types of insurance, China Life Ruixin does not have mild illness protection, but in recent years, the probability of mild illness has been rising, and no mild illness protection is also a risk for policyholders.

In general, the protection and income of China Life Ruixin dividend insurance are average, and it is not worth buying. The above is my experience in buying insurance over the years, and I hope it can help you.

Hello, glad to answer for you.

According to your description, guaranteed, 6 consecutive months, daily interest, monthly compound interest, rolling 12 times a year.

Now it is still a monthly compound interest, after the 5th of each month, you can check the settlement interest rate of the previous month on the official website of Chinese Life.

This is a daily interest-bearing monthly compound interest, and it has been compounded since October last year.

Annual interest rate, daily interest, monthly compound interest, 12 compound interest.

Hello, Xin account daily interest month compound interest.

Xin account monthly accumulation compound interest and interest are all in this half a year.

It is said that the interest accrual month is compounded every year, and the interest is 12 times a year.

Xin account is accumulated with daily interest and monthly compound interest.

Depending on what account you buy, there is a big difference between a regular account and a gold account.

Hello, China Life Xin account can be withdrawn at one time for 10 years, but there may be a loss of principal, because the withdrawal or surrender can only be limited to the cash value, there is a page in the insurance contract to view the cash value, if the cash value of the tenth year is the same as the principal or exceeds the principal, you can withdraw the amount of the principal, if it is not enough, you can not withdraw all the principal, and the cash value of the policy will be reduced accordingly. There are two protections for China Life Xin Account Insurance:

One is the death benefit, which simply means that you will lose money when you die, and you will be paid according to the greater of the premiums paid and the account value. The value of the policy depends on the cash value page of the policy and the settlement interest rate of the account.

One is the survival annuity collection, if the contract is effective for ten policy years, the annuity beneficiary can apply for an annuity, and pay the annuity every year on the corresponding date of the contract at the time of 5% of the value of the personal account.

The advantage is that it is a guarantee, to protect death, you can receive a survival annuity from the tenth year, which is equivalent to saving the money now and providing a cash flow for the future. In addition, there is a universal account, which has a certain value-added, pay attention to the guaranteed interest rate and the estimated settlement interest rate. The settlement rate is not guaranteed, so be sure to pay attention.

The disadvantage is that it takes a long period to reflect the value, and it is not recommended to take out insurance if you need money urgently in the short term, or if you do not have sufficient cash flow.

In short, if you have spare money and want to find a place to save it safely, hold it for a long time, and other personal protection has been allocated, you can choose to insure the product, if the cash flow is not sufficient, or there is a large amount of capital expenditure needs in the near future, it is not recommended to insure; It is recommended to choose protection products such as medical insurance, critical illness insurance, and life insurance, and do a good job of risk planning. Ten years can be withdrawn in a lump sum, but there may be a loss of principal.

However, where the insurance product is linked to the universal product, then it is inevitable that there will be a big problem, that is, the operating cost increases year by year with age, and the benefits are more obvious, that is, the life can receive money, the death can be claimed, and part of the insurance can also do the function of paying off the increase amount, and the amount of insurance can be appropriately increased (the operating cost becomes higher), on the contrary, the amount of insurance can be reduced, and the annual dividend is increased (the operating cost is reduced). Hope to adopt.

I think this account insurance universal product is still very good, can bring me our users a good sense of experience, at the same time, the scope of protection of this product is also relatively wide, we encounter a variety of accidents, can be according to the requirements of the contract to the insurance company for corresponding compensation. This product is also relatively popular in the market, and many consumers will choose this insurance product, which can provide a better protection for our lives. <>

If we are more interested in this universal insurance product, we can go to the corresponding official platform or insurance product forum to learn about it, and there will be some special people to answer questions for us. Of course, when we buy these insurance products, we should go to a legal and formal platform to buy them. In this way, we can buy insurance products with more guaranteed quality, and at the same time, we can also enjoy the corresponding after-sales service.

The company corresponding to this insurance product is also a legal and regular company, and its reputation in the market is also very good, so we can buy the insurance products in this company with confidence. The company's after-sales service is also very good, when we encounter all kinds of doubts or problems, we can consult the relevant customer service staff, there will be professional personnel to answer a series of questions for us. <>

This insurance product can provide us with a better protection, and it is also very good in some benefits, if you want to better understand the content of this product, we can go to the official website to understand and consult. When we buy this insurance product, we should also choose according to our actual situation, and when signing the insurance contract, we should pay attention to the relevant period and various precautions in the contract, so as to be able to make a better choice.

This kind of universal insurance is not particularly good, because universal insurance can cover anything, and it can also pay dividends, which looks very good, but in fact, the professionalism of this universal insurance is very poor, if you want to buy insurance, it is best not to buy this kind of insurance.

China Life Xin Account Dual Insurance (Universal Type) (Diamond Version) 1, the company Chinese Life 2, the product features is a life insurance product, after the third year of the contract can receive survival insurance benefits every year, according to 10% of the cash value at that time, and also provide death protection and accidental injury death protection, accidental injury death can also receive an additional 50% of the cash value, survival funds can be deposited into the universal account for compound interest calculation, and you can also apply for policy loans. 3. Product informationInsurance age: 28 days old - 80 years oldPayment method:

Single payment insurance period: agreed with the insurance company.

I don't really know because I've never bought this insurance and it doesn't mean anything to me.

I don't know much about this because I'm a person who doesn't buy much insurance, and secondly, I don't know much about this aspect of things.

At present, the insurance industry has a high dividend (dividend) insurance, and the annuity is not 60, but can be received after the policy takes effect. 100% of the annual sum insured and 200% of the annual sum insured after the age of 60If you don't receive the money you return every year, you can deposit it into your account.

The gold account is settled on a monthly basis and the income is very good.

If you have any other insurance questions, please come: more insurance fish talk about insurance! ，

China Life Xin account is fully insured.

The benefits of the universal type: 1. Provide death protection, and the premium can be refunded at maturity.

2. You can enjoy lifelong protection, and the type of policy loan (universal type) is ruined with cash value.

a percentage of the fixed annual premium (universal type); 3. The remaining band can enjoy the company's dividends and dividends.

Disadvantage: The number of deposits is limited, and a handling fee will be charged after the deadline.

Summary. Hello (* Dear This insurance can also have the benefits of China Life Xin account insurance (universal type): 1. Provide death protection, and the premium can be refunded at maturity.

2. You can enjoy lifelong protection, the cash value of the policy loan (universal type), and a certain percentage of the fixed annual premium (universal type); 3. You can enjoy the company's dividends and bonuses.

China Shouxin account is full of insurance universal premium version, with an annual payment of 10,000 yuan for ten years, how about it?

Hello (* Dear This insurance can also have the benefits of China Life Xin account insurance (universal type): 1. Provide death protection, and the premium can be refunded at maturity. 2. You can enjoy lifelong protection, the cash value of the policy loan (universal type), and a certain percentage of the fixed annual premium (universal type); 3. You can enjoy the company's dividends and bonuses.

Tips: An insurance company is an economic organization that collects insurance premiums from policyholders according to the contract and bears the risk compensation responsibility of the policyholders after the accident, and has professional risk management technology. There are more than 200 well-known insurance companies in China, including Ping An, Pacific, Sunshine, China Life, Dadi, Xinhua, Taikang, Renmin and Fude Life.

The popularity of insurance products has always been very high, and many consumers will choose universal insurance products when they choose insurance, so China Life Xin account universal insurance premium version pays 10,000 yuan per year for ten years, how about such insurance?

This insurance product covers from 30 days of birth to 70 years old, and the coverage period and payment period are relatively flexible, and you can agree with the insurance company according to your financial situation.

The coverage of Xin account is mainly survival insurance money, death insurance benefit and accidental injury death insurance benefit. Starting from the third year after the insured is insured, the beneficiary of the policy can apply for the survival insurance benefit, and the insurance company will pay the survival insurance benefit to the beneficiary according to the application. It is important to note that the amount of the survival insurance benefit cannot exceed the current policy account value.

The death benefit refers to the unfortunate death benefit of the insured from the effective date of the policy contract to the age of 18 of the insured, then the insurance company will pay the death benefit according to the greater of the cash value of the death policy or the total amount of premiums paid by the policyholder. In the unfortunate event that the insured passes away after reaching the age of 18, the insurance company will pay the death benefit according to the greater of 120% of the policyholder's sum assured or the value of the policy's personal account.

Accidental Death Benefit: If the insured suffers accidental injury after the effective date of the policy, or dies within 180 days of the injury, the insurance company will pay the accidental death benefit. The biggest advantage of this insurance product is that the survival age is received relatively early, and the survival benefit can be received in the third year of the contract date, which is earlier than similar products. Moreover, the survival benefit is applied by the beneficiary himself.

If there are any shortcomings of this insurance product, that is, the dividends cannot be determined, and the yield is not as high as we imagined, and the insurance protection content is not very comprehensive. Therefore, this insurance is more suitable for people who have complete protection and want stable income.

It is relatively good, this kind of insurance interest is very high, and it can also allow us to get a very safe guarantee, so it is a recommended type of insurance.

This is a particularly good insurance, and many people will buy this insurance in life, because this insurance can save people a lot of money.

It is very good, the content of this insurance is relatively large, and it is not very expensive, it is worth buying.