What are the features of Xintai Ruyi Zun Whole Life Insurance?

Xintai Ruyi Zun Whole Life Insurance has three characteristics:1The sum insured increases year by year, and the lifetime compound interest increases by 2Guaranteed for life, 100% cash, safe and stable3It is highly flexible and supports policy reduction and policy loans.

Xintai Ruyizun This product, dad has done an in-depth evaluation before, a brief review:

The protection responsibilities of Xintai Ruyizun are relatively simple, and they are divided into two parts: protection and financial management.

The benefit section includes total disability benefit and aviation accident benefit.

For death or total disability, 160% of the sum insured can be paid for those aged 18-40, 140% for those aged 41-60, and 120% for those aged 61 and above.

The additional effective insurance amount of the current year for aviation accident death or total disability shall not exceed 20 million.

How about the income of Xintai Ruyizun, you can see here: "How about the yield of Xintai Ruyizun?" Is it worth buying? In-depth evaluation and analysis

For the financial management part, let's look at it through an example:

30-year-old male, paid for 5 years, 200,000 yuan per year, and the income is calculated as follows:

As mentioned earlier, this product can be used as an education fund reserve, and is also suitable for pension and cash flow planning.

After taking out the insurance, there may be times when you need to use money at different stages of life.

There are 3 ways to deal with this at this time:

1. Cash value of surrender:

For example, when the policyholder is 39 years old, if the child wants to go abroad and need money urgently, he can choose to surrender the insurance and directly receive the cash value of 1.3 million, and the IRR is calculated, and then the contract is terminated.

Or at the age of 59, if you want to take out the money for retirement, and surrender the insurance at this time, the cash value you can receive is 10,000, and the IRR is calculated.

After being persuaded to withdraw from the market, this income is still outstanding compared with other similar products.

2. Reduction (insurance reduction).

After the contract takes effect for 2 years, if you need capital turnover because of starting a business, you can consider reducing the amount to pay off.

Or like the previous example, you want to use the money for retirement, but you don't want to take it out all at once.

You can also receive a sum of money every year by reducing the insurance, which is very flexible.

After receiving it each year, although the cash value in the account will decrease, the remaining part will still be compounded with interest.

3. Policy loans.

A policy loan is also a convenient way to turn around if you need a lot of money but don't want to surrender the policy.

You can apply for a policy loan from the insurance company, lend out 80% of the cash value, and repay the interest once every six months, and the benefits of the policy will not be affected.

If you have done a good job of basic protection and want to use insurance to obtain safe and stable financial income, you are definitely worth having an increased whole life insurance like Cindat Ruyizun.

To manage money with insurance such as increased whole life is to use discipline to fight against human nature.

If you choose this way, you will not make quick money, but through long-term accumulation, you will reap the magical effect of compound interest.

In today's continuous decline in financial returns, it is really commendable to maintain compound interest for decades.

You may ignore it today, but you probably won't be able to climb it in the future.

First of all, the characteristics of Xintai Ruyizun Whole Life Insurance mainly include a wide range of insurance ages, rich other rights and interests, and diverse payment periods. The following senior sister will give you a brief analysis of Xintai Ruyizun whole life insurance.

How is Cindat Life, what products are there, which ones are good, and what are the problems of in-depth analysis.

The following is the evaluation results of Ruyizun whole life insurance by the senior sister:

1.Guaranteed content analysis.

As can be seen from the protection chart of the above Ruyi Zun Whole Life Insurance, the protection content of this product mainly includes death or total disability benefit, aviation accident death or total disability insurance benefit; In addition, other benefits such as policy borrowing are also available.

Among them, the death or total disability insurance benefit is divided into three types of conditions, such as the age of the insured death or total disability, as follows:

1) When the insured passes away or becomes totally disabled at the age of 17 or before, the premium paid and the cash value will be paid according to the greater of the premiums;

2) When the insured is 18 years old or later and dies or becomes totally disabled before the expiration date of the premium payment period (exclusive), the premium paid will be multiplied by a certain percentage and the cash value, whichever is greater;

3) When the insured is 18 years old or later, and dies or becomes totally disabled after the expiration date of the premium payment period (inclusive), the annual effective sum assured, the premium paid multiplied by a certain percentage, and the cash value of the current year will be paid, whichever is greater.

It can be seen that the protection content of Ruyizun whole life insurance is decent.

Ruyi Zun Glory Edition Whole Life Insurance How good is it! Senior sister article to tell you!

2.Other benefits are diverse.

In addition to the basic benefits such as death or total disability benefit, aviation accident death or total disability insurance benefit, Ruyi Zun Whole Life Insurance also provides other benefits such as policy borrowing, automatic premium payment, reduced payment and basic sum assured change.

It can be seen that Ruyizun whole life insurance is more considerate.

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Hello. Cindat Ruyi Zun Whole Life Insurance, literally, is an ordinary life insurance product, but because it has the function of increasing the amount, this product takes into account life insurance protection and financial management.

For details, please see: "How about the yield of Xintai Ruyizun? Is it worth buying? In-depth evaluation and analysis

1. The difference between increased whole life insurance and annuity insurance.

First of all, let's talk about the meaning of the two:

Incremental Whole Life Insurance: Different from the fixed sum insured of fixed whole life insurance, the sum assured of increased whole life insurance will increase over time, and it has the function of life insurance protection while also having the nature of financial management.

Annuity insurance: To put it simply, it is to open an account, put money into it for value-added, and after a period of precipitation, you can receive a certain amount every year or month according to the contract.

Some annuity insurance also comes with a universal account, in which the funds can be added twice.

So what's the difference between the two?

1.Earnings.

The income of increased whole life insurance is certain, like the predetermined interest rate of Cindat Ruyi Zun whole life insurance, which will not be like some wealth management products, which does not guarantee the income and has certain risks.

In annuity insurance, except for the main insurance, which is a definite income, the income of the universal account is uncertain.

2.How to get it.

Incremental whole life insurance can only receive the cash value by way of policy reduction, but there is no time limit, and the cash value cannot be claimed again after the cash value is collected.

The receipt of annuity insurance is not so flexible, the contract stipulates the time of collection, and it cannot be received before this time.

3.Function.

Incremental whole life insurance itself is a life insurance product, with the protection of life insurance, after the death of the insured, the money paid by the insurance company can be used as the inheritance of wealth.

2. Is Xintai Ruyizun Whole Life Insurance risky?

Many people are more worried about the money invested in the products with the nature of financial management, and the money they can get in the end is lower than the money they invested in the beginning, or there is no interest and so on.

In fact, the income of Xintai Ruyizun whole life insurance is relatively stable, and the sum insured will increase with compound interest, which is infinitely close, unlike some products that do not guarantee returns.

So don't worry about the fact that after applying for Xintai Ruyi Zun whole life insurance, the money will be less.

3. Summary. The above is the basic protection content of Xintai Ruyizun Whole Life Insurance, on the whole, the function of adding or subtracting insurance makes this product flexible in access, and the protection of life insurance is also in place.

We hope you have the right product.