Ping An of the Century Winner and Jin Yu Life which has the best income, how to distinguish

This friend: You should be from the southern provinces and cities, hehe, I would like to advise you that insurance is not calculated, the insurance industry is not based on income ratio, and it is necessary to return to the essence of insurance!

First of all, the two types of insurance are not of the same nature, Jinyu is the guarantee of funds, and Zhiying is the guarantor

Jinyu first of all, the safety of funds, there are dividends every year, before the age of 60 every two years, after the age of 60 is returned every year, is a stable appreciation of the capital of the insurance role of the role of the guarantee is insufficient

Zhiying Life is a guarantor, it provides high protection, low premiums and high protection It will only be reflected in the later stage Once it starts, the income will roll more and more Roll faster and faster Because it is a monthly interest compound interest rollover

Jinyu is also very good, the income is more stable than Zhiying, long-term investment as a fixed asset is also a good choice, after the age of 60 can be used as a pension supplement

So to tell you, the premise is that you don't withdraw money all the time.

The 2 types of insurance are also paid for 5 years, and the amount of annual savings (more than 20,000 yuan) is the same, and the early income is Jinyu Life, which is high after all, this insurance has no protection, and the later stage is Zhiying Life, although the cost of protection deducted is more, just because he is monthly compound interest and interest, Jinyu is only annual compound interest, so the longer the time, the more obvious the advantage of winning wisdom.

The income is about the same, the biggest difference is that Jinyu can choose to pay 3,5 years, Zhiying Life has to pay for a minimum of 5 years, basically 20 years, and the annual premium is the lowest 12,000 for the former and 6,000 for the latter

Every one that suits you is the best. The income is all fixed investment by the state.

It's all about the same, and the rate of return mainly depends on the company's operation, so there will be no big difference in a company's products. But from the perspective of insurance, Zhiying Life is more flexible. Whether it is payment, receipt, or protection, it is better than dividend insurance.

If you are rich, then you buy Jinyu, if you are generally rich, then buy Zhiying. These are two different types of insurance, and they focus on different priorities, and the corresponding benefits will be different, but the difference is not very big, depending on what you focus on. The meaning of insurance itself is protection, protection and financial management at the same time, if you buy insurance to make money, it is a bit unlikely.

But what is certain is that both products are the best in their class in the same industry.

Hello, it is an honor to come to your concern, Jinyu Life is a lifelong return type financial insurance product. The refund amount is: 10% of the sum insured will be returned every two years before the age of 60 (including 60 years old), for example, if the sum insured is 1 million, 100,000 will be returned in two years.

After the age of 60, 6% of the sum insured will be returned every year, that is, 60,000 per year. Until life. The rebate can be claimed at any time or not.

If not, we will pay interest at 4% per annum. This part of the money is called the cumulative survival fund. Another benefit of this insurance is dividends, and the dividends of all participating insurance are uncertain, depending on the operating results of the insurance company.

According to the relevant provisions of the Insurance Law, insurance companies must allocate not less than 70% of the distributable surplus of the current year's operations. According to the demo rate of the specific proposal, we generally explain it by mid-range and customer. The current dividend is higher than the mid-range dividend, but it has not yet reached the high-end demo dividend.

The policy also has a cash value, which increases from year to year. Specifically, a detailed plan is required. Policy Loans:

If you borrow 80% for the first time, the cash value will be minus the 80% of the first year by the second year. Specifically like you say in 5 years ... 60 years, how much is the difference, be sure to look at the specific plan.

Different insurance ages are also different. I hope mine satisfies you. If you have any questions, please feel free to contact me.

I wish you well.

1.The policy loan does not affect the cash value, so the cash value of the second year is still 200,000 yuan if you use the policy loan in the first year, but the amount of the loan can be deducted from the loan you have already borrowed.

2.The premium and sum insured of Jinyu Life depend on your age, generally speaking, it is more cost-effective to do it for your child than to do it for you, because you are young, so the number of times you return the money is more, and the child pays less if the same amount of insurance is provided, so you must have some specific information to answer this example.

3.This is a dividend product, the dividend is uncertain, but in recent years, the interest rate has generally remained around 6, and the interest on the policy loan is, so it is enough to pay the interest.

You are doing investment, but this product is just a financial type of dividend insurance, according to the 72 law of the financial industry, the comprehensive calculation is according to the medium demonstration of the plan), the loan can only be 80% of the cash value, the annual cash value is reflected in the contract, dividends are also divided according to the cash value, Ping An's dividends have been the first in the industry in the future, this can be found online. If you decide this product from the perspective of investment, you must not look down on this product, if you treat him as an asset allocation tool, it is still good, such as the cash value of 1 million (annual payment of 100,000 10 years of deposit, 10 cash value is close to 1 million), if you have a very sure investment guarantee income outside the current loan interest rate, then you can loan 800,000 out, the remaining 200,000 but still according to 1 million dividends and returns, this is a 5 times economic leverage, If your investment is recovered, in the economic downturn, you can put 800,000 back into the policy, life is to achieve financial freedom in such a continuous grasp of opportunities, but Jinyu life is by no means an investment, it is just a financial product, investment is not equal to financial management, the core of investment is high risk, high returns, the core of financial management is capital protection, so the allocation channel of Jinyu life's funds determines that his income will definitely not reach you to do **, business so profitable, but he is 100% capital protection, tax avoidance, debt avoidance, 100% Safe is a tool for your asset allocation, I hope it can help you.

Hello. I believe you have the terms and conditions and the plan, so I don't want to retrace it, I believe you also know more. Attach the 1 million yuan deposit you want, calculated at the 5-year fixed interest rate, then the first 5 years are 1,275,000 yuan, the 10th year is 1625625 yuan, the 15th year is yuan, the 20th year is yuan, the 25th year is yuan, the 30th year is yuan, the 35th year is yuan, the 40th year is yuan, the 45th year is yuan, the 50th year is yuan, the 55th year is yuan, and the 60th year is yuan.

Please contact us individually for details. I'm on it, and it turns out that there are too many numbers that are automatically submitted, so you don't see me. My q is 275196377

Hope it helps. Wishing you and your family happiness and well-being!

Hello. Since you choose Jinyu Life, I believe you also know that it is a pure wealth management product, but wealth management is not the same as investment. Wealth management is the wealth generated by the accumulation of time, there is no risk in security, investment is a way to have high returns, and there are risks at the same time.

In fact, Jinyu's life is very simple, not as complicated as you think. The policy loan is repaid semi-annually, and if you don't repay it, you can only pay the interest once every six months. The interest rate is set by the insurance company and is currently an annualized interest rate.

Keep the interest rate lower than the bank.

Don't forget it, no matter how much you calculate it, you can't count the insurance company, what do you want the insurance company to do, he is profit-seeking, how is the universal income you used to insure, not to mention that you also know, the so-called benefits are all out of their fools, your account and your money to take out and try, you want to take out a loan, you really go to the loan to try, the cash value is not the money you pay. It's the money you surrender, so it's very low. At the back of the policy, there is generally 100,000 yuan, and the cash value of the policy is only about 30,000 to 50,000 yuan, which is still too much, and the management fee will be deducted.

Anyway, as long as you pay it, it's impossible for you to bargain. If you don't believe it, don't ask, just ask for a loan to try. You have to move really, otherwise they will fool you into not moving for the time being, and waiting for a year is a year.

Hello: Jinyu Life is a financial insurance, if you want to save money for your children, it can meet your needs. Short-term investment (3 years or 5 years), long-term income is returned every two years, and dividends are distributed every year.

In addition, all premiums paid will be refunded upon death. Jinyu Life is a financial insurance, is your ideal choice, the specific plan also needs our further communication, so that the plan is more suitable for you, if you need more information, please feel free to contact me.

Hello, I am very grateful for your support and trust in Ping An over the past ten years! Your wisdom will surely bring more wealth to your family! The plan you want, as long as our safe salesman can calculate it for you through the gold collar!

Since what you want is its income, it is recommended that you be the policyholder, and the child as the insured, because this is a lifelong return product, and the return time that the child can participate in is much longer than ours in principle, and in the name of the child to do this plan, one generation of wealth, three generations of benefit! First of all, we need to correct your misconception that the cash value does not increase exponentially according to the number of contributions! For a policy loan, you can bring 80% of the cash value instead of 80% of the premium paid, which are two completely different figures!

Can it be understood in this way? What you mean is that after the first payment, the premium will be paid in the form of a cash value loan, and you will make up the difference! The focus of the income of this product is fixed return and dividends, once the loan, even if the dividends can be offset by the loan interest, your income will be greatly reduced!

If you're thinking about earning only that fixed return, then our one-time payment and lifetime rebate product launched in March this year is perfect for your form of investment! If there is another time, it is recommended that you buy 1 million directly, and then make other investments at the loan! For Jinyu Life, if you buy according to your kind of idea, I suggest you choose other forms of investment, because many things can't be calculated, and we don't need to go to great lengths to calculate, and the policy loan is to solve the problem of customer capital turnover, rather than letting customers take advantage of the loophole of the insurance company!

One product, three generations of revenue.

If my cash value in the first year is 100,000, 200,000 in the second year, and 300,000 in the third year, then 80% of the cash value of 100,000 in the first year, that is, 80,000 yuan, the balance of the first year is 20,000 yuan, and the loan is 80,000 yuan plus interest, and the cash value in the second year is 200,000 yuan, for example, 200,000, you can borrow 160,000, but the loan will be repaid when it expires, and the policy will be invalid if the loan is not repaid. 2. I have 1 million, if I pay 250,000 yuan a year, to sum up the above question, can I pay enough for 10 years? You can only pay for 4 years, and you can only pay 100,000 yuan per year for 10 years.

There is also an element of uncertainty in bank interest rates, which raise interest rates and cut interest rates.

1. What kind of purpose do you want to achieve through the financial management tool of insurance, if it is for more income, and constantly cash out in the form of loans, it will not fully meet your expectations. Because, the loan must be repaid after half a year, and the bank loan interest rate for the same period of 5 years must be added, otherwise the policy will become invalid. Moreover, it is not fully guaranteed that the income of the insurance company will be higher than the bank's interest rate for the same period.

The financial management of insurance companies is to allow the safe transfer of funds, and the second is to let your funds run long distances and achieve greater returns. Obtaining cash flow is a contingency plan to function as an insurance policy, but it is not a long-term solution. Second, if you are making an investment, I think you should consider more about the issue of income, and the inversion of income is definitely not your expectation.

Each insurance company has similar dividend-paying wealth management products, you can pay more attention, and pay more attention to the size and strength of the insurance company, as well as the income in recent years, so that the insurance company can make long-term plans for you. 3. If you have more information about the income, you need to know your detailed personal information. Moreover, even if the salesman makes a demonstration for you, it is only an expected demonstration, because the future of the bank interest rate is uncertain, and the income of the insurance company is also uncertain, so you can only make a reference.

Details qq or **.

I am very glad that you can choose a safe Jinyu life. In fact, these problems of yours are very simple for Ping An, Ping An has a strong gold marketing system, you contact a local salesman, and then directly in front of you according to your requirements to help you design, so that you can see at a glance. And the current value of cashing out that you mentioned is not a tight amount of money on hand, it is better not to do this, and there will definitely be a loss in doing so.

Under normal circumstances, the borrowing interest rate is a little higher than the yield The bank's interest rate has been changing Maybe it will be higher in the future It may be like some developed countries have 0 interest rates or negative interest rates If you use this year's interest rate to calculate, make a comparison You must not be interested The reason is that I have also dealt with bank insiders this year and calculated for me that it is much higher than our company's dividend rehearsal, which is a fact. The interest rate of the bank is still quite high!! Of course, as long as it is a participating insurance, its income itself is uncertain, and the possibility of a high future is also very large!!

Honestly, I hope to give you a reference. After all, insurance also has to take into account protection.