Which is better, the Hongxin life of the Pacific Ocean or the wealth life of Taikang?

Taikang's wealth life can be returned while saving (starting to return money in the second year). After one year, you can also add premiums to make a bigger return. Although life is to make money for a while and spend money for a lifetime, Taikang's "wealth life" can plan a cash flow equal to life.

There is a premium waiver, a death benefit, and an early payment for critical illness. It's worth thinking about.

Each product has its own focus and can be chosen according to your own ideas. Because the designers of insurance products design this product out of different emphases, rather than simply from the perspective of income to consider, the current dividend insurance has the mainstream market, dividends or related to the company's experience, it is difficult to determine, can only look at the company's past business performance to make a judgment. Suggestions for reference!

This kind of dividend-paying wealth management products not only depends on cash returns, but also dividends.

Where do dividends come from? The insurance company invests the premiums it collects, and the investment income generated is used for annual dividends. Since it is an investment income, of course, the Pacific Ocean with a ** background is more trustworthy. The state will leave many investment projects with better returns to its own companies.

The products are different from person to person, and according to their own situation, these 2 are all dividend products!

In 1969, Guiyang, after 6 years of primary school, only the tuition fee was RMB;

1993, Guiyang, a bowl of porridge yuan;

In July 2011, in Guiyang, a student graduated from ordinary primary school and spent about 30,000 yuan on tuition after 6 years of primary school;

In March 2012, in Guiyang, I ate porridge yesterday morning, 3 yuan a bowl.

In a time span of 42 years, tuition fees have increased by 12,000 times;

In a time span of 19 years, porridge has increased by 30 times.

Hongxin life according to the expected returns, I am very sure to tell you, can reach a rate of return of 770%, but one condition is enough: that is, nearly a century later, you can get so much.

Answer upstairs: Excess money can not be put into insurance, the PR1 principal guarantee short-term wealth management products of various banks are only a month, and the rate of return can be guaranteed above, and the withdrawal is flexible; But the insurance is a century, the rate of return can not be determined, and the principal guarantee cannot be provided.

According to the current 5-year deposit interest rate of the bank, if you deposit 50,000 yuan, the total principal and interest after 5 years will be 50,000 + 50,000 * simple interest);

According to the 2011 investment income report released by Pacific Life Insurance, the rate of return is already a result that everyone cheers (because the Insurance Regulatory Commission stipulates that the income plan for customers shall not be set higher, which is also calculated at 50,000 yuan: 50,000 * (1 + compound interest).

I'll save another 5 years, how can you compare with me.

To 70 is not 90w is the blessing money, if you don't receive it all the time, the total amount is more than 34w, the principal is 58600, and the dividend is more than 94w, which adds up to about 134w more.

Upstairs is right, understand monetary inflation, but have you ever thought about what if you keep 1 yuan at home or in the bank in 93 years until 12 years? Then you can't buy 1 bowl of porridge, I can tell you, if you put 1 yuan in 93 years in a financial ** insurance like Hongxin Life, I dare to guarantee to buy more than a bowl of porridge.

In fact, this long-term dividend type means to put your excess money in the bank, to take it here, you can go to Soge Bank interest rate to calculate, the same 58600 deposit bank and Hongxin comparison.

Hello, this is a good financial product, the annuity will be returned when the contract takes effect, and the principal will be returned at the age of 70. In the first year, the annuity is returned twice. This type of insurance is suitable for pension or asset inheritance.

Huatai "Golden Life" comprehensive accident insurance

It covers high-value accidental injuries, accidental medical treatment, and transportation protection, which is suitable for business travelers who often travel for business.

1. 500,000 yuan for general accident insurance and 50,000 yuan for accident medical insurance;

2. Aviation accident insurance is up to 2 million yuan, and train, ship and automobile insurance is 500,000 yuan; Heeter.

"Taiping Fushou" accident insurance

Taiping Life Insurance is a comprehensive accident insurance with comprehensive coverage and a balanced amount of coverage, which is very suitable for purchase as a supplement to social insurance.

1. 100,000 yuan for general accident insurance and 20,000 yuan for accident medical insurance;

2. Aircraft accident insurance of 500,000 yuan, train and ship insurance of 200,000 yuan, passenger car insurance of 150,000 yuan;