Do you have any understanding of Ping An s newly listed Royal Wealth? What s this insurance like?

Royal Wealth is an annuity insurance product launched by Ping An Life, and the overall performance is good. The protection liability of this product covers survival insurance, death insurance, accidental total disability insurance and maturity survival insurance, and the protection content is relatively rich.

If you have a deep understanding of Royal Wealth, you can take a look at this article first:Can Ping An Imperial Wealth Insurance Plan really pass on wealth stably?

1. Analysis of insurance conditions.

As you can see from the above protection chart, Ping An Yuxiang Wealth allows people born between 28 days and 75 years old to be insured, compared with other similar products on the market The maximum insurance age can only be 60 years old, the insurance age range of this product is still relatively wide, giving more elderly groups the opportunity to insure.

In addition, the protection period of this product is relatively single, the policyholder only has a term of 8 years to choose, you know, at present, many similar products on the market in order to meet the diverse needs of the policyholder, will set up a variety of protection periods, the policyholder can choose the most suitable protection period according to the needs and economic situation, and the protection period of this product is not even selected, it is not very intimate to the insured.

2. Analysis of other protection rights and interests.

During the validity period of the contract, if we do not have the funds to pay the insurance premium after the grace period, we can use this right to advance the insurance premium for us, and the contract guarantee is still valid, even if the short-term capital chain is broken, it will not interrupt our protection, and effectively alleviate the economic pressure during the payment period of the customer.

If you want to know what other excellent annuity insurance products are on the market, then you can't miss this article from the senior sister:Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 modelsHope.

Royal Wealth (2023) Annuity Insurance has a relatively wide range of insurance ages, which can cover up to 75 years old.

At the same time, this product also comes with three other rights and services: policy loan, automatic premium payment and reduced payment, which improves the practicability of the policy.

If you want to have an in-depth understanding of Royal Wealth Annuity Insurance, you can take a look at this article: Ping An Royal Wealth (2023) Annuity Insurance Protection Revealed! Friends who want to start take a look.

Ping An Yuxiang Wealth has only been listed for a long time. I think this new generation of annuity insurance has multiple functions such as wealth, inheritance, and pension.

The product, which is safe and can lock in cash flow, is worth having.

Royal Wealth is equipped with a universal account, which can be used in as little as 8 years, and the survival fund and maturity fund can be entered into the universal account. When the time comes, you don't have to worry about anything, and you can enjoy the compound interest and appreciation of wealth.

Royal wealth is good, the investment period is short, the shortest only takes 3 years, and you can receive a survival fund in the 5th year, which looks good. I'm paying attention and ready to get started.

Ping An Royal Wealth Insurance is very good, and it needs to be viewed from three aspects: from the matching universal account, from the speed of return to investment, and from the value protection.

1. Judging from the matching universal account.

Although the universal account of this product has not yet been announced, according to the account announced by Ping An Life, Jucaibao has been listed for 6 years, stable at about 5%, and the actual interest rate of other universal accounts is above, which has a certain relationship with Ping An's stable operation over the years.

Royal Wealth Annuity Insurance is in the form of "main insurance annuity + universal account", dual account operation, theoretically speaking, this good start should be bought to look good, and the additional universal account will not be low.

2. From the point of view of the speed of return on investment.

3 years of payment, the main insurance expires for 8 years, will not cause great losses to the user, only pay for 3 years, 8 years will definitely be returned, unlike other insurance many years ago, pay 20 years, 20 years to return to the capital, the time to pull is particularly long, and the income is not profitable, and the return speed is relatively slow. This product pays for itself quickly.

3. From the perspective of value protection.

In the case of death, a large compensation is taken between the current price and the premium, and the death benefit will be higher without deducting the survival benefit.

Further information: 1. Main advantages of Ping An Royal Wealth Insurance:

1. High value protection: As a good start to the summary in 2022, Ping An Royal Wealth Annuity has a high return amount, and the value protection is the greater of the cumulative premium and cash value, which means that the death protection will be higher without deducting the survival benefit;

2. The return on investment is relatively fast: this product has a minimum of 3 years to pay and 8 years to mature, although the main insurance is a short- and medium-term investment and financial insurance product, but the universal account can be underwritten for life, and there is no doubt that the return on capital will be made in 8 years, and the payment time is short, so there is no need to worry about poor capital turnover.

2. Deficiencies of Ping An Royal Wealth Insurance:

1. High insurance point: According to the style of Ping An Life, last year's wealth Jinrui 20 was generally 50,000 yuan and paid for 3 years, and this year's rules have not yet come out, but it is certainly not low.

2. The actual interest of the universal account is uncertain: Ping An Yuxiang Wealth Annuity 2022 adopts the form of "main insurance annuity + universal account" for dual-account operation, and the current actual interest rate of the matching Jucai Baopen pension universal account cannot be found on the official website, because it is not officially launched, so it cannot be found.

The overall performance of Ping An Royal Wealth Annuity Insurance is average, with both advantages and disadvantages, and whether it is worth insuring needs to be analyzed and decided based on its own situation. Before starting, the senior sister will give you an annuity insurance insurance strategy: learn this trick and stay away from the 99% pit of annuity insurance.

Let's take a look at the security map first:

As can be seen from the above**, the protection content of Royal Wealth Annuity Insurance is still relatively rich, and the characteristics of this product have been summarized below

1.Accidental total disability insurance benefits are provided.

In terms of personal protection, Royal Wealth Annuity Insurance not only provides death benefits, but also accidental total disability benefits. If the disability is divided into different levels, then total disability can be understood as the highest level of disability. Total disability coverage doesn't matter, the answer is, of course, yes.

Just imagine, if you die, the person dies and it is over. But if you become completely disabled, not only will you lose your basic ability to work, but you will also have a series of subsequent medical expenses, living expenses, etc., which are huge expenses. Therefore, the impact of total disability on a family may be greater than death, and insurance benefits are needed to alleviate the family's financial burden.

2.The coverage period is single.

There is only one option for the protection period of Royal Wealth Annuity Insurance, which is 8 years, which is a relatively short protection period. There are many annuity insurance products on the market, which are very flexible in terms of protection period, and multiple options will be set.

Therefore, in terms of the protection period, Royal Wealth Annuity Insurance is not thoughtful enough.

The above is about the protection content of Royal Wealth Annuity Insurance, the overall performance is average, and there are many excellent annuity insurance products on the market, you may also wish to understand: Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

Hello! From the perspective of protection content, Ping An Royal Wealth Insurance is still possible.

There are two options for this product: 3 years and 5 years.

The protection period of Ping An Royal Wealth is limited to 8 years, providing short-term protection.

After understanding the insurance rules of Ping An Royal Wealth, let's take a look at its protection content.

The main protections of Ping An Royal Wealth are as follows:

1.Survival insurance benefits.

The first time you receive your survival insurance benefits is in the 5th year of your policy.

The payment period is 3 years, and in the 5th to 7th year of the policy, you can receive 60% of the annual premium.

The premium payment period is 5 years, and 100% of the annual premium can be paid every year from the 5th to the 7th year of the policy.

2.Maturity survival insurance benefits.

If the insured is still alive at the end of the coverage period, the insurance company will pay 100% of the basic sum assured.

3.Death benefit.

In the unfortunate event that the insured passes away during the period of insurance, the insurance company will pay the greater of the current price, the premium determined by the basic sum assured * the number of years of premium paid. Verdict.

4.Magnum account.

Ping An Yuxiang Wealth has two universal accounts to choose from: Wealth Treasure Pension and Wealth Treasure Life.

In addition to the above protection, Ping An Royal Wealth also has other benefits, such as automatic advances, reduced payments, and policy loans.

On the whole, Ping An Royal Wealth Insurance is still possible.

Hope daddy's is helpful to you!

After verification, the "Ping An Royal Wealth Insurance" referred to by the subject should be the Royal Wealth series products of Ping An Life; And there are two main products in this series, namely Ping An Yuxiang Wealth (2023) Pension Insurance and Ping An Yuxiang Wealth (2023) Annuity Insurance.

Before officially entering the topic, if you have a small partner who does not know much about insurance, the following article is worth learning in advance:

Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance.

As you can see in the figure above, Ping An Royal Wealth (2023) Annuity Insurance is an annuity insurance product that focuses on short-term protection, which is relatively suitable for people who pursue short-term protection.

In order to let you understand this product more carefully, the senior sister will give you a brief analysis according to the insurance conditions and the content of the insurance.

Ping An Royal Wealth (2023) Annuity Insurance Protection Revealed! Friends who want to start take a look.

1.Insured conditions.

First of all, Ping An Royal Wealth (2023) Annuity Insurance supports people aged 28 days to 75 years old, with an insurance period of 8 years; Correspondingly, in terms of payment period, the policyholder can choose one of the payment terms from 3 years and 5 years.

The maximum insurance age reaches 75 years old, and there are 2 payment periods, relatively speaking, the setting of this product in terms of insurance conditions is also up to standard.

2.Coverage.

In terms of protection liability, Ping An Royal Wealth (2023) Annuity Insurance provides survival benefits, maturity survival benefits and death benefits, as well as other rights and interests such as policy loans, automatic premium payment and reduced payment.

However, there are a total of 7 disclaimers for this product + other disclaimers; In this regard, it is not too late for everyone to start after careful consideration!

Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

Whether Ping An Royal Wealth (2023) Annuity Insurance is worth buying depends on personal needs.

The warranty period for this product is 8 years. It can be seen that the protection period of this product is shorter, and it is more suitable for people who have short-term financial savings needs. In terms of total disability protection, this product only provides death insurance benefits, but does not provide total disability protection, and there is still room for improvement.

Summary. Hello, dear, I'm honored to answer for you! Ping An Insurance's Royal Wealth, the answer to your question is:

Ping An Insurance's Royal Wealth This is a good start product, is an annuity insurance plan, there are two accounts, invest the customer's money, if you buy the Royal Wealth Plan, it will be placed in the [Annuity Account] and [Universal Account]: (1) Annuity main insurance account: mainly manage when to receive money, how much, for example, this product is the fifth year onwards, 60% of the annual premium will be refunded every year; (2) Additional Universal Account:

The money returned from the Royal Wealth Annuity Account (referring to the special survival fund and maturity payment) will not be received, and will automatically enter the universal account (two accounts of Jucaibao Pension + Jucaibao Whole Life Insurance) for secondary value-added.

Hello, dear, I'm honored to answer for you! Ping An Insurance's Royal Wealth, the answer to your question is: Ping An Insurance's Royal Wealth This is a good start product, an annuity insurance plan, with two accounts, invest the customer's money, if you buy the Royal Wealth Plan, Huiqiao will be placed in the [Annuity Account] and [Universal Account]:

1) The main account of the annuity is noisy: it mainly depends on when and how much money is received, for example, this product starts from the 5th year, and 60% of the annual premium will be refunded every year; (2) Additional universal account: The money returned from the Royal Wealth Annuity Account (referring to the special survival fund and maturity payment) will not be received, and will automatically enter the universal account (Jucaibao Pension + Jucaibao Whole Life Insurance two accounts) for secondary value-added.

Royal Wealth Scatter is a very popular annuity insurance recently, and at the same time, it is also a good start for Ping An in 2022. This product can also be bought at the age of 75 years old, and you can choose to pay a single payment for 3 5 years, and you can receive a survival pension in the 5th year and a maturity pension in the 8th year. At the same time, it can also be used with a universal sleepy account to obtain higher returns.

Summary. Hello dear dear, Ping An Life Royal Wealth is fast, 3 5 years to pay, 8 years to expire, can give full play to the event value of currency to give back to customers. And it can be settled at a super high level, with the accumulation of treasures, and the second appreciation of wealth is equivalent to planting a cash cow and enriching several generations.

It also has ultra-high protection, if the insured suffers accidental injury or death, the accidental total disability death insurance benefit will be paid according to the larger value, and the main insurance contract will be terminated. There are also super bull highlights, which can effectively extend the wealth accumulation cycle by setting up the form of dual insureds. By changing the policyholder, you can also pass on this value-added tool of wealth wisdom to the next generation, so that wealth can continue to grow and provide a solid backing for the next generation.

Ping An Life Royal Wealth supports 3 accounts to be insured at the same time, and the main insurance account is an 8-year return, and consumers can pay according to their actual ability. The income is generally stable, the premium is cheap, and the three accounts are insured together, and you can also enjoy about 10% of the income, and you can withdraw flexibly. It's very reliable, <>

<> hope you find my answer helpful<>

<> Is Ping An Royal Wealth Pension Insurance Reliable, Is It Safe, Is It Reliable?

Hello dear, I'm glad to answer your questions. Ping An Yuxiang Caiyou Model Rich Pension Insurance is safe and reliable. The safety xing is very high, and Royal Wealth is an underwriting product of Ping An Life, and the big brand is safe and reliable.

And there is a stable expected income block, not affected by the external environment, written into the insurance contract, protected by the law <>

Hello dear dear, Ping An Life Royal Wealth is fast, 3 5 years to pay, 8 years to expire, can give full play to the event value of currency to give back to customers. And it can be settled at a super high level, with the accumulation of treasures, and the second appreciation of wealth is equivalent to planting a cash cow and enriching several generations. It also has ultra-high protection, if the insured suffers accidental injury or death, the accidental total disability death insurance benefit will be paid according to the larger value, and the main insurance contract will be terminated.

There are also super bull highlights, which can effectively extend the wealth accumulation cycle by setting up the form of dual insureds. By changing the policyholder, you can also pass on this value-added tool of wealth wisdom to the next generation, so that wealth can continue to grow and provide a solid backing for the next generation. Ping An Life Royal Wealth supports 3 accounts to be insured at the same time, and the main insurance account is an 8-year return, and consumers can pay according to their actual ability.

The income is generally stable, the premium is cheap, and the three accounts are insured together, and you can also enjoy about 10% of the income, and you can withdraw flexibly. It's very reliable, <>

<>Big Red Flower Slow Burning Mausoleum] I hope my answer will be helpful to you<><

I paid the premium for three years.

Safe and controllable pro.

It can give full play to the event value of currency to give back to customers.