Is Xintai Ruyizun 2 0 reliable? Is it worth buying?

Xintai Ruyizun has been discontinued, but you don't have to be discouraged, Xintai Life's Ruyizun series still has products on sale, such as Xintai Ruyizun (new version) whole life insurance.

This product is more reliable, but whether it is worth buying depends on personal insurance needs.

Before entering the text, friends who lack trust in the insurance company of Cindat Life can take a look at this article first: The strength of Cindat Life Insurance is great, is it worth buying Internet celebrity products?

In terms of protection, Xintai Ruyizun (Renewed Version) Whole Life Insurance covers general death and total disability insurance, aviation accident death and total disability insurance, and major natural disaster accidental death and total disability insurance, which can provide value protection for the insured.

Secondly, in terms of financial management, starting from the second policy year, the effective sum assured of Cindat Ruyi Zun (Renewed) Whole Life Insurance will increase with compound interest annually for each policy year, while the cash value will continue to rise.

When the cash value rises to a certain height, the insured can withdraw the cash value through policy reduction, surrender, etc., and obtain income.

Ruyizun is a whole life insurance product launched by Cindat Life Insurance Company, which is reliable. So what are the highlights of this product?

1. High profitability

We know that people are born to die, so whole life insurance will inevitably pay, which also makes the increased whole life insurance products have the nature of financial management.

Ruyizun Whole Life Insurance is a close high-yield incremental whole life insurance, which takes into account safety, liquidity and profitability.

2. Support insurance for the elderly

In addition to financial management, whole life insurance also has the role of wealth inheritance, which can be used to avoid inheritance tax, and can also designate beneficiaries to effectively avoid inheritance disputes.

Ruyizun Whole Life Insurance supports people aged up to 80 to apply for insurance, which can effectively help realize the needs of the elderly for wealth inheritance without loss.

3. Flexible capital control

In addition to the basic protection, Ruyizun Whole Life Insurance also supports functions such as insurance increase, policy reduction, premium loan, reduced payment and premium advance.

Therefore, the use of funds of Ruyizun whole life insurance is more flexible, which can meet the policyholder's certain capital flow needs, such as the function of adding and subtracting insurance, which is a relatively good function.

Hello this friend, the Ruyizun launched by Cindat Insurance is of course reliable, and it is also worth considering, this life insurance has relatively complete functions, and it can be saved and financed and can also be bought to pass on to the next generation. In this life insurance market, the advantage of this Ruyizun is relatively large, as the so-called "Xintai products, must be high-quality" concept.

Of course, Daddy made a little joke, so let's see if this product is good.

First of all, life insurance is divided into term life insurance and whole life insurance. Term life insurance is to provide protection to the insured for a period of time, and the insurance will stop when there is no insurance, and the premium will not be returned. This type of life insurance focuses on protection, can leverage large sum insured with small premiums, and has high leverage.

Whole life insurance is further divided into fixed whole life insurance and incremental whole life insurance, which not only protect but also have the role of wealth inheritance. Fixed amount whole life insurance means that the sum insured of life insurance is fixed, no matter when the insurance occurs, the amount of insurance is how much the insurance pays;

The increased amount of whole life insurance will increase, so the increased whole life insurance not only has the role of wealth inheritance, but also can play the effect of asset isolation.

The content of the Ruyi Zun benefit can be divided into two parts, namely the total disability benefit in death and the aviation accident benefit. Among them, the sum insured for total disability benefit is different according to the payment period and the sum insured after the payment period.

In the case of total disability during the premium payment period: the maximum cash value of the death benefit and the premium paid before the age of 18; Multiply the cash value of the death benefit and the premium paid after the age of 18 by the corresponding multiple, whichever is the maximum;

18-40 years: 160%.

41-60 years: 140%.

Over 60 years old: 120%.

In the case of total disability after the payment period: If you die after the age of 18, the sum insured, cash value, and premiums paid will be multiplied by the corresponding multiple, whichever is the maximum value.

18-40 years: 160%.

41-60 years: 140%.

Over 60 years old: 120%.

Aviation accident insurance means that if you are killed or totally disabled due to an accident while you are on an airplane, you can get the basic sum assured. In terms of the guarantee function, it is obvious that it is so-so.

But the focus of Ruyizun is not in the guarantee, but in its wealth appreciation function! If you need to use money during the coverage period, you can receive cash through policy reduction, policy loan or surrender. How much you will eventually take depends on how much the cash value grows when you receive it.

If you take into account its benefits, then Daddy is worth recommending Ruyizun, and if you are mainly concerned about the death insured, then you can choose other products.

Hope it helps!

Xintai Ruyi Zun Whole Life InsuranceIt is an increased whole life insurance, which can not only pay 100%, but also do asset inheritance, education funds, and even pensions. In addition to protecting death or total disability, if you need money during the insurance period, we can also receive cash through policy reduction, policy loan or surrender, which is still very reliable.

Let's first take a look at the basic content of Ruyizun:

The personal protection of Xintai Ruyizun is divided into two parts: total disability benefit and aviation accident benefit.

As can be seen from the table above:

Regardless of the stage of death, the amount of compensation will not be less than the premium paid, and the leverage of insurance is still reflected;

Judging from the data calculated in the above table, a 30-year-old man pays 200,000 yuan a year, and if he pays for 5 years, the cash value of the policy will exceed the premiums paid, and it will also exceed the sum insured of the death benefit.

However, the biggest advantage of Xintai Ruyizun is not its guarantee function, but its investment and savings function.

Generally, whole life insurance can only receive the insurance benefit when you die or become totally disabled.

As an increased whole life insurance with investment and savings function, if you need to use money during the insurance period, you can also obtain funds in the following ways:

1. Surrender. According to the information of **, a 30-year-old man bought Ruyizun, and at the age of 79, if he wants to take out the money for retirement, he can surrender the policy and get a one-time cash value of 5.14 million yuan.

This considerable amount of cash should greatly improve the quality of life of this male policyholder in his later years.

Of course, other insurance products can also get cash value through surrender, but it is generally not as high as Ruyizun.

2. Reduced insurance and cash withdrawal.

Also take the male in ** as an example, when he is 49 years old, the child wants to study abroad and lacks a fee.

At this time, he can also "reduce the insurance" through Ruyizun and withdraw a sum of cash.

This operation can also be understood as a partial surrender of the policy.

Doing so can alleviate the temporary financial pressure, but at the same time, it will reduce the cash value in the account, and the remaining part will continue to accumulate interest according to the compound interest.

3. Policy loans.

If you don't want to surrender or reduce your insurance, but you need money urgently because of starting a business or other reasons.

Policyholders can also enable Ruyizun's policy loan function, which can borrow up to 80% of the cash value, according to the latest settlement rate.

Before the emergence of new products, Xintai Ruyi Zun is a good financial insurance product, but this does not mean that it can be bought with closed eyes, or combined with their own budget, payment period, financial purpose and other comparisons, after all, the difference in financial insurance is thousands of miles, once you buy the wrong one, you will take a lot less money when you surrender the policy.

Hello, Cindat Ruyizun is a whole life insurance launched by Cindat Life, its payment period is flexible, the annual minimum investment amount is relatively low, and it is more friendly to people who are not very rich in funds but want to buy whole life insurance.

So what about Xintai Ruyizun? Is it worth buying? Next, Daddy will tell you about this product.

1. How about the product?

1.Principles of insurance

The insurance age of Xintai Ruyizun is 0-80 years old, the insurance period is lifelong, the insurance occupation requirements are 1-4 categories, the minimum premium is 50,000 yuan, the annual payment is 10,000 yuan, and the payment period can be 3 5 10 15 20 years.

2.Basic coverage

The protection content of Xintai Ruyizun is death + policy loan + plus or minus sum insured + reduced payment.

Death: There are different standards for death benefits based on the payment period and after the payment period.

During the premium payment period, if the insured passes away before the age of 18, the insurance company will pay the cash value or premium paid (whichever is greater); If the insured person dies after the age of 18, the insurance company will pay a multiple of the cash value or premiums paid (whichever is the maximum).

Second, who is suitable for buying

1.People who are looking for stable income

This product not only protects against death, but also comes with the function of financial management, as mentioned earlier, the compound interest of the annual insurance amount of Xintai Ruyizun is high, which is high among similar products.

How much income the policyholder can get is written in black and white in the contract, which is a relatively safe and stable investment, and is more suitable for those who pursue stable income.

2.People who have a need to pass on their legacy

Xintai Ruyi Zun is a whole life insurance, that is, the insurance company is always to pay, and people who have inheritance needs can buy this product before their death, and designate the beneficiary as their own children or family members.

When they die, the insurance company will compensate them for the corresponding insurance money, and they are also exempt from inheritance tax, which is a good way to pass on the inheritance.

3. Daddy's summary

In general, this product is still good, with stable and safe income, flexible insurance, and is more suitable for people with savings plans and inheritance.

Cindat Life Ruyizun is better.

Compared with similar products, Cindat Life not only has a number of unique highlights, but also has considerable benefits.

Social Welfare of Cindat Life:

On January 26, 2020, Cindat Zeji Insurance actively responded to the call to fulfill its corporate social responsibility and donated 1 million yuan to the Wuhan Charity Federation, which will be used by the pneumonia prevention and control headquarters as a special fund for epidemic prevention and control.

Since the state announced the outbreak of the new crown pneumonia epidemic in Wuhan, Cindat Insurance has attached great importance to it, quickly convened an emergency meeting to deploy the work, set up a leading group for epidemic prevention and control, formulated emergency plans, and strengthened customer claim service guarantees.

The specific content includes, opening a green claim channel: for suspected or confirmed customers, Cindat Insurance will arrange a special person to provide full-site guidance to customer claims, quickly process, open 24-hour reporting, and customers can make claims reports through Cindat Insurance's official WeChat and customer service **95365.

The company started the emergency investigation, and the company followed up the customer's case report and the development trend of the epidemic in various places in real time, carried out customer investigation in the first time, and provided relevant assistance to customers in need.

Simplify the claim procedures, for the death list published by the ** authoritative department, the death insurance benefit can be paid in advance, and then the imitation slip charging information can be supplemented, and the hospital restrictions will be cancelled for customers who need emergency treatment due to the epidemic, and the scope of the hospital they visit is not limited by the insurance contract.

If the customer is admitted to the hospital due to this epidemic**, Cindat Insurance will bear the medical expenses that are not covered by the medical insurance reimbursement and cancel the waiting period limit, and if the customer is admitted to the hospital due to this epidemic**, Cindat Insurance will cancel the 30-day disease waiting period limit for medical backup insurance.

Help each other to fight the epidemic and pay tribute to every medical worker who is fighting on the front line. Cindat Insurance will pay close attention to the prevention and control of the new pneumonia epidemic and help win the war against the epidemic without gunpowder as soon as possible. <>