What are the highlights of Xinfu Nian Nian Insurance, thank you for the analysis

Xinfu Annuity Insurance is owned by Chinese Life. If you are interested in Xinfu Nian Nian Nian this product and want to see its evaluation content, you can read this article:In-Depth Evaluation|Xinfu Nian Annuity Insurance Product Revealed".

Xinfu Annuity is composed of two parts: "Xinfu Annuity" and "Xinfu Annuity Insurance", in addition to the universal account, the specific insurance liability can be shown in the following figure:

The interest rate value of annuity insurance is usually the most important place for us to choose an annuity insurance.

Because the final interest rate result is related to the choice of payment deadline and the age at which the birthday benefit beginsSo let's take the sum insured of 10,000 yuan, 60 years old and 75 years old to receive life money as an example for interest rate calculation:

We can conclude from the last calculated interest rate in the chart above:The older the age at which the pension starts to be received and the shorter the payment period, the higher the interest rate. This is only a case where the sum insured is 10,000, if you want to get a higher return, buy more.

As far as the current results are concerned, Xinfu's annual interest rate is not attractive enough. Because the predetermined interest rate of annuity insurance can be reached, it is not very good to see every year in comparison. Want to know which annuity insurance is worth buying in the market?

There are some shortcomings of annuity insurance, and Xinfu is also annuity insurance every year, and these shortcomings also exist. In order to prevent you from stepping on the pits, I have sorted out the pits that these predecessors have stepped on one by one"Learn this trick and stay away from the pit of 99% of annuity insurance".Hope!

Peace and dignity. Pay the fee for three years to get 5 kinds of benefits.

1. Enjoy the company's dividends every year to life.

2. At the end of the payment period, a one-time reward will be given in the third year.

3. From the third year, there is a fixed return for life.

4. At the age of 60, there is an extra birthday celebration.

5. A hundred years of old age, the death money is left to the next generation.

Xinfu insurance is still good and relatively reliable.

Xinfu returns 12% of the initial premium immediately after the policy is in effect for 10 days, and 15% of the basic sum assured is returned every year from the second year to the age of 79.

Moreover, many annuity insurance generally cannot receive money if you choose to receive a one-time return of premiums when due, but Xinfu can specify the return age (as soon as 55 years old) according to your needs, and a one-time return includes the full amount of the premium, and you will continue to receive the annuity after returning the principal.

If the survival bonus is not received, you can enter the diamond Xin account for two value-added, daily interest and monthly compound interest, compound interest 12 times a year, the current monthly interest of the Xin account is, really high.

Insurance introduction: The English word for insurance is insurance or insuraunce, which means safe and reliable protection; It is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

Insurance refers to the payment of insurance premiums by the policyholder to the insurer in accordance with the contract, and the insurer shall be liable for the compensation of insurance money for the property damage caused by the occurrence of accidents that may occur as agreed in the contract. <>

Xinfu Nian is not considered a dividend insurance, Xinfu Nian is a pension insurance issued by Chinese Life, the protection content it provides does not provide dividends for consumers, if you are interested in this product, you can also take a look at this article first: Chinese Life [Xinfu Nian] high income? It's clear to you!

Let's take a look at its security map first:

Xinfu every year. png

Through the above figure, it can be seen that Xinfu provides more protection content every year, and the payment period is also relatively flexible, and three payment periods are set up for consumers to choose according to their own circumstances. So is this product good? You will know after reading the following analysis.

1.A variety of pension age options.

Xinfu is still different from the setting of men and women who receive pensions every year: men are one year old, women are one year old, which can be said to be more in line with the retirement age of most people now, and it is more friendly to the majority of consumers, and they can choose the right way to receive them according to their actual situation.

2.There is no coverage for total disability with a precursor.

Xinfu provides death protection every year, but it lacks the protection of total disability. You know, at present, some stupid and excellent pension insurance products in the market, in addition to providing death protection, will also take into account the protection of total disability, because of the total disability protection, the insured can not worry too much about the problem of losing economic income after unfortunately being completely disabled, so this is also Xinfu is not insufficient every year.

In short, Xinfu is generally more general every year, there are many good products in the market that are worth seeing, if you don't know how to choose a product that suits you, you can take a look at this article prepared by the senior sister here: is annuity insurance good? Are there any pits?

What are some good products?

Xinfu Nian Nian is an annuity insurance product of Chinese Life. If you are interested in this product and want to see its evaluation content, you can read this article: Is Chinese life good? What insurance is recommended?

Xinfu annuity is composed of "Xinfu annuity", "Xinfu annuity insurance" two parts, in addition to the universal account, more specific insurance liability, we can look at the product form diagram:

When we buy annuity insurance, the interest rate of this product will affect our final decision.

The final interest rate result will change depending on the choice of the payment period and the age at which the birthday pension will start to be received, so I have taken the insurance amount of 10,000 yuan, 60 years old and 75 years old to receive the life pension as an example for the interest rate calculation:

As shown in the figure, the final interest rate in ** shows such a rule: the older the age at which the birthday payment begins and the shorter the payment period, the higher the interest rate. These calculations are based on the sum insured of 10,000 yuan, and if you want to get a higher income, you need to buy more than the sum insured.

At present, Xinfu's interest rate performance is relatively average. Because the highest predetermined interest rate of annuity insurance on the market can be reached, in comparison, Xinfu belongs to the general category every year. There are too many annuity insurance on the market, in order to avoid you stepping on the pit, I have selected ten high-interest rate annuity insurance for your reference in advance:

Xinfu is the opening product of Chinese Life in 2016, and it is also the 66th anniversary of Chinese Life, and it is a luxury gift to give back to customer service. Xinfu Nian Nian Portfolio Plan is composed of "Guomin Tan Shou Duan Xinfu Annuity Insurance", "China Life Xinfu Annuity Insurance", "China Life Xin Account Universal Insurance (Diamond Edition)" and "State Win Yu Can Attach Long-term Accident ABCDE", which is expected to be listed in November, trying to give customers a stable happiness!

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

Xinfu Annuity is an annuity fictitious lease insurance, underwritten by Taikang Insurance Company, with the protection of survival payment and cash dividends, that is, the Qingyu Qing policy.

In the sixth and seventh years, 100% of the annual premium can be paid to the insured, 30% of the sum insured can be paid every year from the eighth year before the answer to the age of 64, and the pension insurance can be paid every year from the age of 65, and the annual payment amount of 5% of the previous year will be increased, and the payment will be guaranteed until the age of 99 from the date of collection. Xinfu annuity can be guaranteed for life, with its own dividends, account appreciation and guaranteed returns.

Test your anti-risk index, experts will interpret it for you for free!

Different people have different understandings of happiness, how do you understand it? As ordinary people, we hope that the elderly will be supported, the young will be educated, the wealth will grow steadily, and the family will be harmonious and happy. China Life Xinfu Annually Portfolio Plan can easily realize your family's wealth dreams and give you full happiness.

The policyholder has purchased both China Life Xin Account Insurance (Universal) (Diamond Version), China Life Xinfu Annuity Insurance and China Life Xinfu Annuity Insurance for the insured, and chooses China Life Xinfu Annuity Insurance and China Life Xinfu Annuity Insurance for 5 years, with an annual premium of 100,000 yuan, and the pension begins to receive on the corresponding date of the year when the age of 60 is over, and agrees with the Company that each annuity generated by China Life Xinfu Annuity Insurance and China Life Xinfu Annuity Insurance, Pension, life pension and maturity insurance will be automatically transferred to the personal account as the insurance premium of China Life Xin Account Dual Insurance (Universal Type) (Diamond Version).

Features: Consistent and stable cash flow.

If the insured survives from the effective date of the policy, the annuity paid for the first time is 12% of the insurance premium paid by Xinfu for the first time every year, and 15% of the basic insurance amount of the contract will be paid every year until the age of 79, which will be paid and returned every year, so that you have a continuous and stable cash flow.

Ultra-fast refund of insurance premiums paid.

If the insured survives, in accordance with the terms and conditions, Xinfu can be returned at the earliest age of 55, so that your funds are safe and reliable, and the pension insurance contract in the middle of Xinfu continues to be valid, and you can also receive an annuity at 15% of the basic insurance amount every year.

High-growth wealth gold.

You can choose to transfer each annuity, pension, longevity and maturity insurance money generated by Xinfu every year to Xin account (diamond version) to realize the secondary appreciation of wealth and calmly cope with inflation.

Flexible pensions.

If you choose to use the Diamond Xin account as a pension reserve, you can choose to receive a generous pension after retirement, and the retirement age can be flexibly selected to meet the needs of the pension and enjoy the golden sunset.

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