Xinhua Insurance Exclusive Life Is this wrong?

Hello! The "Privilege Life" policy is guaranteed until the insured reaches the age of 80 (80-35 = 45 years).

1.Caring Annuity: 1% of the initial premium.

After the cooling-off period, it will be refunded once on the corresponding date of each policy. A total of 1 + 45 = 46 times (the initial premium is 51900, the amount of the care annuity each time is 51900*, and the total care annuity is 519*46=23874).

2.Survival fund: 12 times every two years before the age of 60. After the age of 60, return once a year, a total of 20 returns. 9% of the Basic Sum Assured + 9% of the Accumulated Sum Assured will be refunded each time. The total survival benefit is (100,000 + 9% of the accumulated dividend sum assured).

Explanation of Accumulated Dividends:

Xinhua dividends are dividends in the form of sum assured. The dividend base for the first year is 100,000. Assuming that the annual dividend is 1000, the dividend base for the second year is 101000....Compound interest increases.

Moreover, each "Care Annuity" and "Survival Pension" are deposited into the "Cumulative Interest Account", and the operation mode of the Cumulative Interest Account is "daily interest, monthly compound interest", which is also compound interest.

There is a conversion factor at the end of the insurance contract for the account value corresponding to the accumulated dividend insurance amount. It can be counted.

Death benefit: 105% of the actual premium paid + cash value corresponding to the accumulated dividend sum insured + terminal dividend.

You are not completely right, first of all, you add the increase in the amount of money is constantly increasing, and if you don't receive the money every year, you will open another "all-round gold account" The money in it is diary interest, monthly compound interest, that is, the previous interest rolling, donkey rolling. In the end, your gains are high. I see that you are relatively familiar with "Privilege Life", and you can look at the numbers on the benefit presentation table.

1% of the annual down premium = 9% of the annual return amount every 2 years = 9000 every 2 years after the year

The interest rate of the sum insured is 100,000 today. Next year it will be 101300The year after that, and so on.

The cash value is calculated based on the premium and is not related to the sum insured.

Summary. The payback time of Xinhua Insurance's exclusive life is uncertain, but he can receive the corresponding insurance minimum income every year. This depends on how old you are at the time, and you can only get the principal when it expires, if you are 80 years old, you can only get the principal at the age of 80, this is a rule.

The income of this insurance is received in the form of a survival fund, 1% of the annual premium of the main insurance care fund, and every two years before the age of 60: 9% of the insured amount is paid to the survival insurance benefit; 60 years old 80 years old annual survival benefit: 9% of the insured amount to pay survival insurance benefits.

Dear, glad to answer for you; I bought Xinhua Insurance in 2010 and enjoy how many years of life to pay back: it takes 20 years to kiss.

The payback time of Xinhua Insurance's exclusive life is uncertain, but he can be destroyed every year to receive the corresponding insurance minimum income. This depends on how old you are at the time, and you can only get the principal when it expires, and if you say that you are 80 years old, you can only get the principal at the age of 80, which is a regulation. The income of this insurance is received in the form of a survival benefit, which is 1% of the annual premium paid for the main insurance and every two years until the age of 60

9% of the sum insured is paid as a survival insurance benefit; 60 years old 80 years old annual survival benefit: 9% of the insured amount to pay survival insurance benefits.

New China Life enjoys the features of life insurance products.

1. There is a reward every year, and the care annuity will be paid at the rate of 1% of the basic liability premium paid for the first time until the age of 80 on the day after the end of the hesitation period and the corresponding date of the effective date of the policy every year. 2. The income is guaranteed, and the compound interest is rolled 9% of the amount of the foundation wheel liability insurance every 2 years before the age of 60; From the age of 60 to the age of 80, 9% of the amount of the liability insurance of the foundation is received every year; At the age of 80, the contract expires, and you can receive a lump sum final dividend of basic liability.