Taikang Huiying Annuity Insurance Dividend paying type

Taikang Huiying Annuity Insurance Plan is a wealth management insurance launched by Taikang Life Insurance on May 18, 2017, which combines the high proportion of rewards and high returns of Win Life during the payment period of the previous annuity insurance wealth series and the special payment of life benefits of Xinxiang Life, which is a very good product.

"Taikang Huiying Annuity Insurance Plan", through the wealth management plan, provides families with a reasonable match of medium and long-term assets, provides solutions for middle-class families to raise a second child, children's education and pension and other financial problems, and helps the whole family to complete the life goal of wealth planning.

The plan pays survival benefits every year until the age of 105, and pays two types of special insurance benefits in the first year and during the payment period. The above-mentioned survival insurance, special insurance, life insurance and annual dividends are automatically added to the universal account with monthly compound interest and value-added, realizing the perfect combination of capital security, liquidity and profitability, and its planning function is more prominent, the application is more flexible, and it can effectively help customers complete life goals such as education, marriage, pension and inheritance.

There are many annuity insurance products, and in the face of various annuity insurance products on the market, we must know some basic knowledge and have a certain ability to make independent judgments. Mint Insurance has helped you sort out the purchase strategy of annuity insurance for your reference:Annuity insurance purchase strategy sharing!

Don't jump into these pits anymore!

The consulting insurance business can choose Mint Insurance, which has strict consultant screening standards, only to deliver professional value, bringing together 300,000+ industry head sales consultants, multi-dimensional screening, one in ten thousand, and directional invitation to help consumers choose the most suitable insurance products.

The basic sum insured determines the portion of the insurance company's survival benefit that will be returned each year.

I am the business representative of Taikang Life Insurance, and Huiying Annuity has been stopped, do you have any confusion?

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

This product is not complicated, it is considered a spot annuity with dividends。In other words, you can receive an annuity after paying the premium until you are 105 years old. Annuity insurance like this, which can be paid for when you buy it, is a thing of the past, and it has been stopped by regulators.

The current annuity insurance is not payable until at least 5 years later.

For this product, there are three parts to the fixed receipt of Huiying Annuity Insurance:

1. Survival insurance money: After the contract takes effect, it will be received in the second year until the age of 105, and 30% of the sum insured will be received every year, note that the basic insurance amount (hereinafter referred to as the insurance amount) is not the premium.

2. Special insurance benefits:

6% of the annual premium will be paid in the following year after the payment period expires;

30% of the sum insured will be paid in the year following the contract commencement.

3. 100% of the sum insured will be paid for the life insurance year.

The specific amount of money that can be received under this insurance:

Annual Survival Benefit: 30% of the sum insured for every year of survival until the age of 105. That is, from 31-105 years old, 2,700 yuan per year.

Special insurance payment: 30% of the sum insured will be paid immediately after the policy takes effect, that is, 2,700 yuan will be received immediately at the age of 31.

Payment bonus: At the end of the payment period, 6% of the annual premium will be rewarded immediately, that is, 9,000 yuan can be received immediately at the age of 31.

Life insurance money will be returned 100% of the insured amount as life money, that is, 9,000 yuan each time, which can be received three times.

Hello! Taikang Huiying Annuity Insurance Participating Type pays survival insurance benefits every year until the age of 105, and pays two types of special insurance benefits in the first year and during the payment period, pays 3 life insurance benefits every year, and provides death insurance benefits and policyholder exemption benefits. The above-mentioned survival insurance, special insurance, life insurance and annual dividends are automatically added to the universal account with monthly compound interest and value-added, realizing the perfect combination of capital security, liquidity and profitability, and its planning function is more prominent, the application is more flexible, and it can effectively help customers complete life goals such as education, marriage, pension and inheritance.

The plan has three core functions: first, compound interest and appreciation function, so that wealth preservation and appreciation; the second is the function of receiving according to the contract, which can be used for life planning such as education and pension; The third is the protection function, which not only protects the security of wealth, but also protects the risk of life, if the insured dies, the universal account will also be used as a claim to the beneficiary, and at the same time, it also comes with the policyholder's premium waiver.

If you want to know whether this product is worth buying, you can click to make an appointment for 1-to-1 insurance planning services, Deep Blue Insurance Concentrate on insurance brokers will provide you with professional advice, or you can scan the following *** for consultation.

Hello dear! Please wait [smile].

Questions. How much can I get each year after 15 years of paying for this insurance?

1. Taikang Life Huiying Annuity Dividend Insurance This product is an annuity product or dividends, a universal account product, the minimum insurance product is 5,000 yuan, and you can apply for insurance according to your actual situation, and the main responsibilities are: Survival insurance: 3 years after the contract takes effect, you can apply for 30% of the basic insurance amount every year, and if you don't receive it, you can directly enter the universal account for compound interest.

Special premium: 6% of the annual premium is paid annually during the contract payment period. Except for the first year of insurance, you can receive 30% of the basic sum assured.

Life Benefit: When you are 60, 70 and 80 years old, you can receive the basic insurance amount. Finally, there is the death benefit

Pays the greater of "Accumulated Premiums Paid" and "Cash Value". There is also a waiver for the remainder of the premium if the policyholder dies in an accident. Policy Dividends:

It is based on the specific actual operation of the dividend business, and it will be transferred to the universal account by default. Second, Taikang Life Huiying Annuity Dividend Insurance This product is still relatively slow, even if you do not receive the survival fund into the universal account, the guaranteed interest rate of his universal account is slightly lower, then the actual settlement interest rate is a little higher, but there are also some fluctuations, compared with some other products, the advantage of this product is not very big. However, the advantage of this product is that its starting investment amount is relatively small, so it is more suitable for people who do not have a large budget and do not want to spend so much money to buy an annuity.

3. Is it worth buying Taikang Life Huiying Annuity Participating Insurance If you want to buy a good annuity product, and your budget is very sufficient, it is not very recommended to buy this product, the interest rate of this product is a little low, it is better to make some stable investments yourself. But if you want to do compulsory savings, and your budget is not so much, this product is still worth recommending, and his protection is also relatively good, depending on your actual situation.

Questions. Pay 13,000, how much can you get every year. Kiss.

Can I receive 12,000 per year after paying 12,000 annuity dividends for 15 years?

Summary. Taikang Huiying Annuity Insurance Dividend Type 15 Years: (1) Fixed Survival Payment:

Receive 30% of the basic sum insured every year until the age of 105, and live a much longer life. (The payment will start from the effective date of the policy, and an additional 30% of the sum assured will be paid in the first year on top of the 30% survival benefit, that is, a total of 60% of the sum insured will be paid in the first year.) 30% of the basic sum assured will be paid annually from the following year until the age of 105) 2) Additional Bonus:

During the payment period, 6% of the annual premium will be rewarded. (Please note that the bonus will be enjoyed until the payment period, and will not be enjoyed after the payment period expires.) )

Taikang Huiying Annuity Insurance Dividend Type for 15 years.

Taikang Huiying Annuity Insurance Participating Type for 15 Years: (1) Fixed Survival Benefit: Receive 30% of the basic sum insured every year until the age of 105, and live a long life.

(The payment will start from the effective date of the policy, and an additional 30% of the sum assured will be paid in the first year on top of the 30% survival benefit, that is, a total of 60% of the sum insured will be paid in the first year.) 30% of the basic sum assured will be paid every year from the following year until the age of 105) 2) Additional Bonus: 6% of the annual premium will be rewarded every year during the payment period.

(Please note that the bonus will be enjoyed until the payment period, and will not be enjoyed after the payment period expires.) )

3) 100% of the basic sum insured will be returned as a birthday payment for three birthday celebrations. (When you reach the age agreed in the contract, you can receive it once, and you can receive it up to three times during the insurance period.)

4) Exclusive dividends: You can enjoy the dividend distribution of the insurance company every year. It should be noted that dividends are uncertain and related to the profit and loss of insurance companies.

5) Value-added compound interest: If the survival money, bonus money, life celebration and dividend of the main insurance are not received, they can automatically enter the additional universal account for compound interest and value-added, and the annual guaranteed interest rate and monthly settlement interest rate of the universal account can be viewed on the official website. The universal account is a key core of the plan, and it has a powerful function of value preservation and appreciation.

6) Humanity Waiver: During the payment period, if the policyholder dies in an accident or becomes disabled, the premium is waived if the contract is not paid, and the policy benefits continue to be valid. Covers the renewal of premiums in the unfortunate event that the policyholder encounters risks.

7) Death Benefit: In the unfortunate event of death, the premium paid will be paid according to the greater of the paid premium and the cash value of the contract.

In these years, when it comes to annuity insurance, you will think of making money lying down. When you are young, you pay 1w a month, and when you are old, you get 20,000 a month! Wow is that good?

Probably! Recently there is an annuity insurance:Taikang Xinfu annuity insurance was robbed like crazy, and they all said that they would suffer a loss if they didn't buy it!

Is annuity insurance really that good? I stayed up late last night to check the information and probably come out, if you need it, you can take a look:

Top 10 Annuity Insurance Points Worth Buying!

Taikang Xinfu Insurance is an annuity insurance in the form of an additional universal account. In fact, most annuity insurance has the shortcomings of long investment cycle and high premiums, and Taikang Xinfu annuity dividend insurance is no exception.

Participating insurance refers to a kind of life insurance in which the insurance company distributes the distributable surplus of the participating insurance in the previous fiscal year to customers in the form of cash dividends or value-added dividends in a certain proportion after the end of each fiscal year.

We often encounter salespeople who sell and say that 70% of our company's annual profits are distributed as dividends, which sounds very attractive, but what is the actual truth?

However, there is no direct relationship between the dividends and the company's profits, and due to legal regulatory reasons, the investment channels of insurance funds in China are limited, so it is unrealistic to expect high returns on dividends. Don't be misled by exaggerated propaganda.

Learn this trick and stay away from the 99% pit of annuity insurance

The above is my many years of experience in buying insurance, I hope it can help you.

Taikang Xinfu annuity participating insurance is not bad, but there are also many drawbacks and is not applicable to everyone.

So which annuities have high returns on the market? Low risk? We evaluated more than 1,000 annuity products and screened out theseWhich is the best high-yield annuity?

8 high-yield annuity insurance recommendations! 》

First, product features

A lot of income: one investment, survival fund and dividends two centenarian cash flows.

Compound interest and appreciation: guaranteed, currently, to achieve wealth preservation and appreciation.

On-demand payment: Annuity, dividends, and pensions can be applied for according to the needs of education, marriage, pension, etc.

Protection function: Universal account doubles the return of death insurance benefits.

Innovative premium payment: After 5 years of contract effectiveness, it doesn't matter if you forget to pay the premium, Xin account can be used to pay the renewal premium.

2. Product information

Issue age: 30 days old - 62 years old.

Payment method: single payment 3 5 10 15 20 years.

Duration of insurance: up to age 105.

3. Insurance liability

1. Special survival fund: In the 6th and 7th years of insurance, the special fund will be returned every year, and the specific amount depends on the payment method.

2. Survival insurance money: from the 8th year of insurance to the year before the pension starting age (64 or 69 years old), 30% of the insured amount will be paid every year.

5. Guaranteed payment: From the starting age, the insurance company makes a commitment to the user to guarantee that the user will receive it until the age of 99. If the insured dies during this period, a lump sum payment will be paid the sum of the pension that should have been received from the time of death to the age of 99.

6. Compound interest appreciation: Xin account is guaranteed and can be added freely, and the survival fund, dividends, and pension can also be automatically entered into the universal account.

Insurance consulting can find the Mint Insurance platform, which is committed to the development and research of insurance solutions empowered by technology, systems and big data, and the empowerment of insurance marketers and insurance companies through a series of tools and accurate matching of customer needs.

Xueba talks about insurance, focusing on insurance evaluation! What about participating insurance? Just look at how they compare to other popular critical illness insurance products35 participating insurances PK 101 mainstream critical illness insuranceIn fact, we have heard a lot about participating insurance, and many people say they don't know what is sacred about participating insurance

Participating insurance, literally: Participating insurance is a type of insurance with dividends, that is, when the insurance company makes money, it distributes part of it to customers who have purchased participating insurance. This is the characteristic of participating insurance, which can both manage money and protect money.

Indeed, participating insurance not only has a guarantee function, but also has an investment function, which is quite popular with consumers, but I have seen too many friends who have bought participating insurance, but no one has really obtained considerable income after buying participating insurance, and none of them have not.

The reason is that there are many cognitive misunderstandings that consumers don't know

First, yields are uncertain.

Second, the dividend pool is not transparent.

There are detailed explanations inside.

Therefore, if you do not have a certain amount of insurance knowledge, you should be cautious to buy participating insurance!