What does 15 of the Chinese life insurance amount mean in Xinfu every year

It is the basic insurance amount, which is refunded at the rate of 15% of the basic insurance amount from the second year of the contract until the age of 79.

If you are a 30-year-old lady who pays for 5 years, pays 600,000 yuan a year, and receives it at the age of 60, you can enter the Xin account to make a profit: you will receive it immediately, return the annuity quickly, and receive 12% of the cash value in the first year; 15% of the annual sum insured in the following year: yuan to 60 years old, annuity total:

Yuan. At the age of 60, he also received a birthday pension (principal repayment) of 3 million. ......

I'll give you an example. Xinfu is 30 years old (male), pays for 3 years, pays a premium of 20,000 yuan per year, (60 years old pension), and the insurance amount is 8,555 yuan. 15% of the sum insured is yuan (31-79 years old receive this amount every year).

Xinhua will return 40% of the insurance amount in the first year, and 20% will be returned every year after that.

15% of the sum insured is the annuity paid by Xinfu every year.

The same premium, different age is not the same amount of insurance, 15 is not the same amount of insurance, the lower the age, the higher the amount of insurance.

From the second year onwards, 15 percent of the sum insured is paid annually

It is the sum insured, which is 15% of the sum insured every year

It is the sum insured, which returns 15% of the sum insured every year

15 is returned to you in the second year.

When the contract comes out, there is an insurance amount.

Summary. 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 Annuity Portfolio Plan consists of "China Life Xinfu Annuity Insurance", "China Life Xinfu Annuity Insurance" and "China Life Xin Account Universal Insurance".

In 2016, how much can Chinese Shou Xinfu pay 10,000 yuan in annual insurance premium? What are the contents?

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 Annuity Portfolio Plan consists of "China Life Xinfu Annuity Insurance", "China Life Xinfu Annuity Insurance" and "China Life Xin Account Universal Insurance".

Insurance case: male, 30 years old, paid in 10 years, the first year's premium is 10,000, guaranteed for life, the sum insured is 1,200 yuan when paid (12% of the first premium will be refunded in the first year); 31-79, receive a fixed annuity of 1767 yuan per year (from the second year to the age of 80, 15% of the basic sum insured will be returned every year); 60 years old, agreed to return 100,000 yuan (return of the insurance premium paid on the day of the birthday pension); At the age of 80, the maturity insurance benefit is 11,780 yuan (the maturity insurance benefit shall be paid according to the basic insurance amount of this contract on the corresponding date of the effective date of the year when you survive to the age of 80). The return of Xinfu Niannian Xin Account (Diamond Edition) will automatically enter the Xin Account (Diamond Version) to enjoy lifelong financial management.

Daily interest and monthly compound interest, compound interest 12 times a year, there is a minimum guarantee (there is no cap on the annualized guarantee (the official interest rate will be announced in October, the account withdrawal is flexible, and the additional amount of insurance can also be invested, which can easily meet the needs of all stages of life!)

Chinese Life Insurance Shares****.

China Life Xinfu Annuity Insurance Interest Clause.

Article 1 Composition of the insurance contract.

China Life Xinfu Annuity Pension Insurance Contract (hereinafter referred to as this contract) consists of the insurance policy and the attached China Life Xinfu Annuity Annuity.

Gold Insurance Interest Clause (hereinafter referred to as the benefit clause of this contract), basic clause of personal insurance (hereinafter referred to as the basic clause of this contract).

Cash value statements, declarations, endorsements, endorsements, and insurance policies, reinstatement applications, health declarations, and others relating to this contract.

Written agreements are combined.

Article 2 Scope of Insurance.

Any person who is more than 28 days old and under 65 years old and in good health can be the insured, either by himself or with him.

A person with an insurance interest shall apply for this insurance with the Company as the policyholder.

Article 3 Insurance Period.

The insurance period of this contract shall be from the effective date of this contract to the corresponding effective date of the year when the insured reaches the age of 80.

Article 4 The method of receiving the pension and the date of commencement of the pension.

The pension is received annually.

The age at which the pension begins to receive is:

Male: Six. Ten, sixty.

4 years old: 5, 70 and 75 years old;

Females: five. Ten.

Five, six. X.Six.

Ten. 5, 70 and 75 years old.

The insured can choose one of them as the pension under this contract at the time of application. The pension begins to be paid.

Once the age has been determined, it cannot be changed during the insurance period of this contract. The pension begins to be received on the pension year agreed in this contract.

The date on which the gold begins to receive the annual age of the antling.

Article 5 Insurance Liability.

During the insurance period of this contract, the company shall bear the following insurance liabilities:

1. Pension.

From the date of receipt of the pension agreed in this contract to the date of the effective date of the year when the insured reaches the age of 80, if the insured is ...

If the insurer survives to the effective date of this contract, the company shall pay an annuity of 15% of the basic insurance amount of this contract every year.

2. Birthday money.

The insured survives to the date of receipt of the pension agreed in this contract, and the insurance premium paid by the company in accordance with this contract (excluding interest.

interest) to pay a birthday payment.

3. Maturity insurance benefits.

This contract shall be terminated on the corresponding date when the insured survives to the age of 80 or above, and the company shall receive the basic insurance benefits according to this contract.

amount of maturity insurance premiums.

4. Death benefit.

If the insured dies before the effective date of this burial contract and the date before the start of receiving the pension agreed in this contract, this contract is terminated, and the company shall pay the death insurance benefit according to the greater of the following two at the time of the insured's death.

1.Insurance premiums paid under this contract (without interest);

2.The cash value of this contract.

From the date of receipt of the pension agreed in this contract, if the insured dies and this contract is terminated, the company will be insured.

The cash value of this contract at the time of death shall pay the death benefit.

Chinese Life Guoshou Xinfu Annuity Insurance is a 2016 Chinese Life opening, Huimin pension insurance, combined insurance. It is also a kind of pension financial management and inheritance, and can also be used as a child's education fund, growth and other various types of insurance.

The premium is calculated based on the age and when the principal refund will be paid.

Xinfu Nian Nian is an annuity insurance, under the banner of Chinese Life. I have done Xinfu's annual evaluation, do you want to know its specific results? I've written it all in this article :In-Depth Evaluation|Xinfu Nian Annuity Insurance Product Revealed".

The basic sum insured needs to be calculated according to the age of the insured and the age of return, if you don't know enough about this product, you might as well take a look at my introduction:

When deciding whether to buy this annuity insurance or not, many times we look at how much its interest rate is worth it.

Due to the choice of the payment period and the age at which the birthday payment begins to be paid, the final interest rate result will changeSo 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 an interest rate calculation based on 10,000 sum insured, if you pursue higher returns, you can buy more sum insured.

As a result, Xinfu's interest rate is actually relatively average. Because the predetermined interest rate of annuity insurance can be reached, it is not very good to see every year in comparison. In order to prevent you from buying annuity insurance indiscriminately, I have helped you choose ten annuity insurance with high interest rates:

"Top 10 Annuity Insurance Points Worth Buying! 》

Xinfu is annuity insurance every year, so it also has disadvantages of annuity insurance. There are many pitfalls and routines to know in advance when buying annuity insurance, don't regret it when you step on the pits, please keep this pit avoidance guide I have sorted out:"Learn this trick and stay away from the pit of 99% of annuity insurance".

Based on your age, the premium is calculated based on the rebate age.

He is 43 years old, has paid for 3 years, pays 30,000 yuan annually, and receives a birthday pension at the age of 60.

It is calculated based on your age, premiums paid, and rebate age.

Now a 49-year-old woman, pay 5,000 yuan a year, pay for 10 years, how to return.

It is calculated based on age, payment amount, and receipt of birthday payment.

Hello, it is calculated according to age, premium, and rebate age.

Life's confidential LAN does a great job.

Hello, I paid a 13-year-old to start paying, 5000 a year, 10 years, as an insurer said to get back 100,000 at the age of 40, is it credible, I feel deceived.

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"