Is Cindat Life s wishful thinking really that good?

To put it simply, you can buy this product from 0 to 69 years old, and the maximum payment period is 10 years. Men can receive pensions at the ages of 60, 65, and 70, while women receive pensions at the ages of 55, 60, and 70.

After reading the basic introduction, I feel that this product is still good, of course, in order to have a deeper understanding of this product, let's still analyze its advantages and disadvantages in depth.

Earnings up to 13%., Xintai Ruyixiang can lock in 13% of the income for a long time, which is a yield that most annuity products on the market cannot touch!

You can flexibly increase or reduce insuranceIf the market interest rate continues to fall, you can make an additional policy to protect against inflation: Ruyixiang can choose 5 policy years to increase the insurance in the middle of the policy, with 20% each time, which is very flexible.

If there is a better investment opportunity in the middle of the way, or if you need money urgently, you can reduce the insurance and withdraw cash in the second year, of course, in the end, after 10 years, the cash value will rise, and the insurance reduction will be more cost-effective.

Regarding the shortcomings of this product, I have not found it for the time being. So in general, this product is still very good, if you want to buy annuity insurance, you can consider it; If you want to know more about other annuity insurance, you can also check out the following article.

Top 10 Annuity Insurance Points Worth Buying! Hope!

When the insurance officer sells you insurance, he will tell you that you are a pearl in the palm of your hand, as a grandfather as milk, when you buy it, you will find that it is difficult for you to surrender the insurance, the insurance dividend is random, it is possible to lose it, and you don't know how much you can return after the expiration of the money, it is better to buy a financial product on Alipay. There are also many conditions that need to be used to make a claim.

Ruyixiang is the flagship product of Cindat Life, the pension is guaranteed, the current price is high, the value of the product is clearly recorded in the contract, and it is worth recommending to buy it with confidence.

Xintai Ruyi Zun whole life insurance is generally not recommended to buy.

For example, for a 30-year-old man, the total premium is $1 million.

In order to keep the total premium the same, 100,000 yuan per year for 10 years and 200,000 yuan per year for 5 years, which is 1 times more than the annual premium.

If it is a wealthy group, the impact is not great, but for the people who are not very abundant in short-term funds, the longer the payment period, the more financial pressure can be reduced to a certain extent.

If the annual premium of 100,000 yuan remains unchanged, the sum insured is different for different payment periods

It is paid in 10 years, a total of 1 million, and the basic insurance amount is 862551 yuan.

It is paid in 5 years, a total of 500,000 yuan, and the basic insurance amount is 467833 yuan, which is reduced by half.

Therefore, different payment periods still have an impact on the final income.

This time, the payment period of 10 years or more has been restored, which can allow people with average budgets to exchange higher returns through time compounding.

Change 2: The abolition of aviation accident liability has little impact.

Ruyizun has eliminated aviation accident liability. This liability is still very practical for customers who fly frequently, and the death benefit can be doubled. If you have a need for protection in this area, you can choose Ruyizun.

But for us ordinary people, the impact is not great.

Xintai Ruyi Zun whole life insurance is very good, you can consider buying, it not only has death total disability insurance benefits, but also aviation accident death total disability insurance benefits, so that the protection of the insured is more comprehensive.

In addition to this product, Cindat Insurance also has another starlight version, interested friends can poke:To buy Cindat Ruyizun (Starlight Edition) Whole Life Insurance, you must know this!

And its sum assured increases at this rate every year from the second policy year, and the longer you live, the more sum assured will be accumulated.

The insurance age of Xintai Ruyi Zun Whole Life Insurance is from 28 days old to 80 years old, compared with those similar products that can only support insurance at the highest age of 70, its insurance age is broader and covers more people.

In addition, there are also a variety of payment terms for Xintai Ruyizun Whole Life Insurance, which can not only choose to pay in a single payment, three years, five years, but also 10 years, 15 years and 20 years, which can meet the needs of different customers.

In addition, Xintai Ruyi Zun Whole Life Insurance also has a policy loan, which can solve our capital turnover problem.

Cindat Life Ruyizun is better.

Compared with similar products, Cindat Life not only has a number of unique highlights, but also has considerable benefits.

Social Welfare of Cindat Life:

On January 26, 2020, Cindat Zeji Insurance actively responded to the call to fulfill its corporate social responsibility and donated 1 million yuan to the Wuhan Charity Federation, which will be used by the pneumonia prevention and control headquarters as a special fund for epidemic prevention and control.

Since the state announced the outbreak of the new crown pneumonia epidemic in Wuhan, Cindat Insurance has attached great importance to it, quickly convened an emergency meeting to deploy the work, set up a leading group for epidemic prevention and control, formulated emergency plans, and strengthened customer claim service guarantees.

The specific content includes, opening a green claim channel: for suspected or confirmed customers, Cindat Insurance will arrange a special person to provide full-site guidance to customer claims, quickly process, open 24-hour reporting, and customers can make claims reports through Cindat Insurance's official WeChat and customer service **95365.

The company started the emergency investigation, and the company followed up the customer's case report and the development trend of the epidemic in various places in real time, carried out customer investigation in the first time, and provided relevant assistance to customers in need.

Simplify the claim procedures, for the death list published by the ** authoritative department, the death insurance benefit can be paid in advance, and then the imitation slip charging information can be supplemented, and the hospital restrictions will be cancelled for customers who need emergency treatment due to the epidemic, and the scope of the hospital they visit is not limited by the insurance contract.

If the customer is admitted to the hospital due to this epidemic**, Cindat Insurance will bear the medical expenses that are not covered by the medical insurance reimbursement and cancel the waiting period limit, and if the customer is admitted to the hospital due to this epidemic**, Cindat Insurance will cancel the 30-day disease waiting period limit for medical backup insurance.

Help each other to fight the epidemic and pay tribute to every medical worker who is fighting on the front line. Cindat Insurance will pay close attention to the prevention and control of the new pneumonia epidemic and help win the war against the epidemic without gunpowder as soon as possible. <>

Xintai Life Insurance Co., Ltd. is approved by the China Insurance Regulatory Commission, registered on May 18, 2007 as a national life insurance company, with a registered capital of 5 billion yuan, the company is headquartered in Hangzhou, Zhejiang, can operate all types of life insurance (including various statutory insurance).

As an increased whole life insurance product with financial savings function, Cindat Life Ruyizun Whole Life Insurance has additional benefits for total disability and death due to aviation accidents, as well as rights and interests such as change of basic sum insured, policy loan, reduced payment, and automatic advance.

Different insurance companies have different insurance requirements for different types of insurance, coverage and insurance amount, etc., you can consider the insurance company's industry reputation, after-sales service, response speed, **, contract scope and insurance amount and other aspects, and at the same time compare multiple parties to choose according to your actual situation.

If you need to consult Ping An Insurance, you can call Ping An Life 95511-1, Ping An Auto Insurance, Property Insurance, Accident Insurance 95511-5, and Ping An Pension Group Insurance 95511-6.

Cindat Ruyi Zun Whole Life Insurance is an incremental whole life insurance policy underwritten by Cindat Insurance.

In addition to the basic protection function, the incremental whole life insurance is more important in the function of financial management.

Let's take a look at how the protection of Cindat Ruyizun whole life insurance is and how to achieve the financial management function.

The basic content of Xintai Ruyizun whole life insurance.

Income estimation of Cindat Ruyizun Whole Life Insurance.

Daddy concluded. 01 The basic content of Xintai Ruyizun whole life insurance

Let's first take a look at the protection function of Ruyizun whole life insurance:

Death Benefit: During the payment period, the maximum cash value of premiums paid before the age of 18 is paid, and the maximum amount of cash value paid after the age of 18 is the corresponding double rate of the premiums paid*;

After the premium payment period, the maximum multiple of the corresponding multiple of the sum insured premiums paid and the cash value * paid after the age of 18;

The corresponding multipliers are as follows:

18-40 years old: 160%; 41-60 years: 140%; Over 60 years old: 120%.

Aviation Accident Benefit: Pays the basic sum insured.

If the insured travels on a commercially operated civil airliner as a passenger and suffers death or total disability as a result of an accident, he or she can receive compensation.

In addition to the above basic protection, there are also accident insurance, medical insurance and other types of insurance that can be added according to your needs.

The basic protection function is relatively simple, but the increase in whole life insurance is more important in its financial management function.

Let's take a look at how its financial management function is realized.

02 Revenue estimation of Xintai Ruyizun Whole Life Insurance

Let's take a look at the following earnings calculus:

Taking a 30-year-old man with an annual payment of 200,000 yuan and a payment for 5 years as an example, the specific income calculation is shown in the figure above.

There are three ways to get cash:

Surrender

If you choose to surrender the insurance at the age of 79, you can receive a one-time payment of 5.14 million yuan.

This considerable cash flow can allow you to live a quality life in your old age.

In fact, there are many whole life insurance policies that can receive cash value through surrender, but the income is not as high as that of Xintai Ruyizun.

Many life insurance, there are a lot of restrictions on surrender, about the details of surrender, you can click: Is it worth it to surrender insurance?

2. Reduced insurance and cash withdrawal

It can be understood as surrendering part of the sum insured, withdrawing part of the cash, and the protection is still effective.

This situation is applicable to the urgent need for a sum of cash due to special needs, such as studying abroad, buying a house, buying a car, etc., during the insurance period.

After the insured applies for policy reduction, the cash value of the account will be reduced, and the remaining part will still accumulate interest according to the compound interest.

3. Policy loans

Cindat Ruyi Zun Policy Loan can be borrowed up to 80% of the cash value, and the interest rate is based on the prevailing policy, and the current settlement rate is.

03 Daddy Summary

Xintai Ruyi Zun Whole Life Insurance is an insurance with both financial management and protection, which is suitable for people with a very sufficient budget, complete basic protection, and asset inheritance needs.

However, if the budget is relatively limited, it is necessary to spend the money wisely, and the consumer insurance that focuses on cost-effectiveness is the first choice.

Xintai Ruyizun evaluation results.

Summary. 1) Fully functional.

Don't look at Xintai Ruyixiang is an endowment insurance, but it can be received on a monthly basis, of course, you can also choose to receive it on an annual basis, and this part can be changed according to individual circumstances. In addition, this is not only an insurance, but also can be used as a child's education money, wedding money, etc., you can choose freely.

2) Flexible insurance without health notice.

No matter how much you buy, this product does not require a physical examination, which means that you can take out insurance with illness and realize your personal investment plan.

3) The universal account of Xintai Gold shopkeeper can be attached.

In addition, its cash value is relatively high, and it can achieve a low interest rate of 3%, the current interest rate of 5%, and no upper limit added.

Xintai is as happy as you like.

Hello to you, I am Lee Shau Kee, who is good at pure loans, insurance, and banking business, and has solved the problem for more than 20,000 people, I have seen the problem, and I am typing and sorting out the answer, please wait a while

Jujube 1) is fully functional, don't look at Xintai Ruyixiang is an endowment insurance, but it is pants and can be received on a monthly basis, of course, you can also choose to receive it on an annual basis, and this part can be changed according to personal circumstances. In addition, this is not only an insurance, but also can be used as a child's education money, wedding money, etc., you can choose freely. (2) Flexible insurance without health notice No matter how much insurance you buy, this product is lacking and does not require physical examination, that is to say, you can take out insurance with illness and realize your personal investment plan.

3) This product can be attached to the universal account of the manager of Xintai Gold, which can be attached to the universal account of the manager of Xintai, which can guarantee the expectation of the product, and its cash value is relatively high, and the interest rate can be guaranteed at a low interest rate of 3%, the current interest rate of 5%, and no upper limit is added.

Xintai Ruyixiang annuity insurance has been discontinued, and everyone can consider buying Xintai Ruyixiang (seven gold version) pension insurance. If you want to buy Xintai Ruyixiang (Seven Gold Edition) pension insurance, you can directly go to the intermediary or bancassurance channel to apply for insurance.

Many people are interested in Xintai Ruyixiang (Seven Gold Edition) pension insurance, so I will give you a detailed evaluation. Before entering the relevant assessment, you can first come to the relevant knowledge points of science annuity insurance: learn this trick and stay away from the 99% pit of annuity insurance.

Let's take a look at the protection map of Xintai Ruyixiang (Seven Gold Edition) pension insurance:

Anyone who is 5 days old to 69 years old has the opportunity to apply for Cindat Ruyixiang (Seven Gold Edition) Pension Insurance, which can provide lifelong protection, and consumers can choose to pay the premium in a single or periodical payment when paying the premium.

During the insurance period, Cindat Ruyixiang (Seven Gold Edition) Pension Insurance will pay the pension to the insured as agreed and provide death protection, and consumers can choose to add the policyholder's waiver protection when applying for insurance.

In addition, Xintai Ruyixiang (Seven Gold Edition) pension insurance also covers policy borrowing, automatic premium payment and other rights and interests.

For more details about Xintai Ruyixiang (Seven Gold Edition) Pension Insurance, this article is more detailed: Is the praised Xintai Ruyi Xiang (Seven Gold Edition) really guaranteed high returns?

The highlight of Xintai Ruyixiang (Seven Gold Edition) pension insurance is that there are many options for the starting age of pension for this product, with 3 options for men (60 65 70 years old) and 4 options for women (55 60 65 70 weeks old).

For the same type of products with a fixed starting age compared to most fixed pensions, Xintai Ruyixiang (Seven Gold Edition) pension insurance is more humane.

In addition, there are also more options for regular premium payment of Cindat Ruyixiang (Seven Gold Edition) pension insurance (4 types in total), which is more flexible than the same type of product with a wide range of regular premium options.

Moreover, the annual effective sum insured of Xintai Ruyixiang (Seven Gold Edition) pension insurance will increase proportionally year by year, which is relatively rare in the annuity insurance market.

Finally, let's take a look at what products are as bright as this product in the annuity insurance market: Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!