Xinhua Insurance enjoys an annual payment of 5,000 for 10 years, how to calculate the income 5

It's a whole life insurance, how do you calculate the benefits? Besides, the insurance company you said is running so "well", what kind of income do you expect, just be a shareholder for the rest of your life. What does it matter if you don't pay dividends?

Ten years of payment means that the personal pressure is less, and if it is five years of payment, the income is higher. Of course, it is more reasonable and scientific to protect adults than children. But you still go read "The Lost Feast".

In this way, you will never regret what happened today. Happy to you!

Hello, in fact, the baby is suitable for 5 years. The difference is that the child is young, the rate is low, and the number of dividends is more than yours!

The most important thing is to choose a good company, and the income will not be low. Dividend insurance is the same for everyone, and the income is about the same, and the protection depends on whether you want adults or children to have it.

Speaking from the heart, this plan belongs to dividend insurance, everyone actually knows in their hearts that the wool is out of the sheep, and the income is there, but more or less is uncertain according to the operation of the insurance company that year.

Buying financial products is to fancy its characteristics, buy ** to see the income, then buy insurance should be the protection, that is, once the risk occurs, whether it is easy to get the claim (basically according to the industry situation, if the dividend is better, the claim will be slightly lacking) If the landlord's fundamental protection has been sufficient, and the excess funds can be used for investment, it is recommended for yourself, this personal feeling is not suitable for the baby

The above are my personal thoughts, I hope it will be helpful to the landlord!

It may not be possible to pay for it. The return time of life enjoyed by New China Insurance is uncertain, but it can receive the corresponding minimum insurance income every year. It depends on your age at the time.

You can only get the principal at maturity. If you promise to be 80 years old, you won't get the principal until you're 80 years old, and that's a rule. Income from this insurance is collected in the form of a survival grant.

The annual nursing benefit of the primary plan is 1% of the premium. Before the age of 60, a survival benefit is paid every two years: 9% of the insured amount is paid as a survival benefit; Annual survival insurance benefit for ages 60 to 80:

Survival insurance is paid at the rate of 9% of the sum insured.

Extended information: New China Insurance Exclusive Life mainly has the following product features:

1. There are rewards every year, accompanied by the whole process.

On the day after the end of the cooling-off period and on the corresponding date of the effective date of the policy each year, 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.

2. The income is guaranteed and the compound interest is rolled.

9% of the basic liability insurance amount every 2 years before the age of 60;

From the age of 60 to the age of 80, 9% of the basic liability insurance amount will be paid every year;

At the age of 80, the contract expires, and you can receive a lump sum final dividend of basic liability.

3. All-round gold account, secondary value-added.

Care annuity, survival insurance and life pension (can be received in advance), directly into the cumulative interest-bearing account, daily interest, monthly compound interest, secondary appreciation of funds, flexible account management, to achieve scientific life planning.

4. You can add it at any time, and you can receive it flexibly.

If you want, you can make additional investments at any time before the age of 55, and this money will be credited to the interest-bearing account at the age of 60 (you can also withdraw it in advance) as a birthday payment. The account has a flexible collection function, once established, you can receive it once a year, and you only need to keep 100 yuan in the account after receiving it.

5. The guarantee is more comprehensive and free to choose.

Rider coverage** independent of the main policy, covering death, total disability, critical illness, accident, hospitalization, hospitalization allowance, etc.; You can choose freely according to your needs and the existing coverage.

6. The premium can be waived, and humanity cares.

During the premium payment period, in the event of accidental death or total physical disability, the renewal premium after the basic liability of the main insurance will be waived and the policy benefits will continue to be enjoyed.

Enjoy the insurance liabilities of the Supreme Financial Plan.

The insurance liability of Exclusive Life Supreme Wealth Management consists of two parts: the basic liability of the main insurance and the optional liability of the main insurance.

Summary. Hello, dear, Xinhua Insurance Fuxiang Lifetime Annuity Insurance (dividend) products, annual payment of 11,640 yuan, 10 years, 10 years to receive about 20,000 ha.

Xinhua Insurance Fuxiang Lifetime Annuity Insurance (Participating) product, annual payment of 11,640 yuan, 10 years, how much after 10 years?

Hello, dear, Xinhua Insurance Fuxiang Lifetime Annuity Insurance (dividend) products, annual payment of 11,640 yuan, 10 years, 10 years to receive about 20,000 ha.

Xinhua Insurance Fortune Lifetime Annuity Insurance (Dividend) product, this product is a lifetime survival annuity insurance, the insured survives, receives 20% of the sum insured and 20% of the dividend amount every year, according to the time when the insured is insured, 30 years old to pay 11,640 yuan for 10 years, the basic insurance amount is 9800 yuan, 20% of the basic insurance amount is 1960 yuan, that is, 1960 yuan and 20% of the dividend every year. After 10 years, the money received is 19,600 yuan plus 20% of the 10-year dividend, which is about 20,000 yuan.

If you want to know how an annuity insurance is, one of the easiest ways is to see if it's on this list"Top 10 Annuity Insurance Points Worth Buying! 》

If you want to know how to make a product, you have to understand this type of insurance first, and many people have not yet understood annuity insurance, so they want to evaluate annuity insurance products, which is not advisable.

The following is an analysis of annuity insurance in three points:

(1) What is annuity insurance?

Annuity insurance must first pay a certain premium to the insurance company, and at the agreed point in time, you can receive money from the insurance company, and we can often see the two annuity insurances of education and pension.

The education fund is to prepare for the child's education, marriage and love, which is a kind of financial management, but the yield of the education fund will be high, and it has only a small effect"Evaluation of the 8 Education Funds with the Highest Yield in 2020".

Pension, also known as pension, needs to reach the agreed number of years, can receive pension from the insurance company, so that the retired elderly have a good living security.

(2) Types of annuity insurance

Annuity insurance is divided into traditional annuity insurance, participating annuity insurance, universal annuity insurance and investment-linked insurance.

(3) How to choose annuity insurance

First of all, the strategic pit prevention:"Learn this trick and stay away from the pit of 99% of annuity insurance".

Secondly, the following points must be seen:

1.Look at the internal rate of return

Annuity insurance first depends on the rate of return, which is not very difficult: the annual premium to be paid and the amount of annuity that can be received in the future are listed, combined into a long-term cash flow, and the IRR (real rate of return) can be calculated according to the formula.

2.Look at the cash value

The income trend of annuity insurance is different, there are annuity insurance with a fast return on cash value; Some cash value returns very slowly, but annuities are mostly suitable for retirement.

If you are worried about the need for cash flow in the future, it is recommended to choose an annuity insurance with a fast cash return on the principal if you may choose to surrender the policy. If you only have pension needs, it is not very fast to choose cash value to return to capital, but it is suitable for pension and annuity products.

3.Look at the predetermined interest rate

How the yield can not be left without looking at the predetermined interest rate. When the predetermined interest rate is higher, the annuity insurance yield will also be relatively high, and now the China Banking and Insurance Regulatory Commission has begun to stipulate that the predetermined interest rate shall not exceed, which is the cap value, and the specific amount needs to be calculated.

Before the age of sixty, four thousand five are given every two years, and after the age of sixty, four thousand five are given every year. This kind of insurance is to turn the whole money into change, and the living and dead into dead money. Is it cost-effective to bear a high amount of underwriting?

Which insurance company are you buying? Why do you have to pay so much money in a year?The latter question you can ask to the person who sells insurance to you, if you haven't bought it yet and are considering it, please don't rush for a while, let me analyze it with you.

How is the final bonus of New China Insurance calculated?

If the insured survives to the expiration of the insurance period and this contract is terminated, the company will calculate the actual operating conditions of the participating insurance business according to the root of the company, and if it is determined that there is a dividend distribution, the dividend will be paid in the form of a maturity survival bonus and the care annuity and survival insurance at maturity. If there is an optional liability with the company and survive to the agreed date of the life expectancy, the optional liability of this contract will be terminated, and the company will be calculated according to the actual operating conditions of the participating insurance business.

I can't give you an exact figure of how much you can receive, because there is an important part of this: dividends cannot be estimated. Because dividends are uncertain. But for now, you can get it:

1. You can receive 1% of the basic liability premium every year, which is $1. Multiply that by 20 years.

2. Before the age of 60, you can receive 9% of the sum of the basic liability premium plus dividends every two years, assuming that the accumulated dividend is 500. Then it's about 500. Multiply that by another 10 years.

3. From 60 to 80 years old, 9% of the sum of the basic premium plus dividends will be paid every year. The same method of receipt as the second one, except that it has been changed from two years to every year.

4. If you die or are completely disabled due to accident or illness, then you can change the auction to get 105% of the premium you paid before plus dividends.

In this way, within 20 years, you can only receive the first two items.

I've said it before. There is a bonus issue involved, so it is difficult to estimate. Because dividends are uncertain, the annual dividends will be high or even none.

So I can't give an exact number. If you don't count the dividends, you can get about 1,000 dollars. Then it depends on the level of the bonus.

If you don't continue to use the money, you can not receive the dividend, and you can compound interest in the insurance company, which is much higher than that of the bank.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"