Ping An Wealth is divided into two categories?

Hello, I am Chen Qi, an insurance professional and financial planner of Ping An Life Jinzhou Branch.

Ping An Wealth Respect AB paragraph, in fact, is Ping An Respect for Life and Wealth Respect for two types of insurance, although the names of the two types of insurance are almost the same, but in fact they are very different, not as some salesmen say roughly the same, please Rong I will analyze for you.

Zun Yu and Zun are both universal participating insurance, and the previous universal insurance is not divided, and this time it is added"Gather treasure"function, the real meaning of which is the existence of universal insurance, universal insurance customers have understood in the past, and the biggest advantage is that it can be withdrawn at any time.

From the ** aspect, the minimum payment of 10,000 years, the payment of 20,000 for 5 years, the payment of 30,000 years.

The minimum is 100,000 yuan, and the payment is 3 years.

In the long run, Prestige Life is more suitable for wealth esteem, as can be clearly seen in the policy plan, it takes at least 8 years for Prestige Life Insurance to have a cash value (withdrawable) that will significantly exceed the premium and will increase significantly every year for the next 30 years.

In terms of short-term benefits, it can still be seen in the plan of the insurance type that wealth is respected, whether it is a minimum deposit of 100,000 yuan or a large policy of 100,000 yuan, the cash value (withdrawable) of the insurance type will be guaranteed in the third year of the policy, and the insured premium will be greatly exceeded in the fourth year, and it will gradually increase year after year.

I don't know if you understand the above analysis, if you don't understand anything, please ask me. Here are a few suggestions I would like to make for you from your point of view:

First, if you, as an elder, want to invest a fixed amount of money to leave to your children in the future, and legally avoid debts and taxes, and pass on your assets, then please take out an insurance policy, because his long-term income will be very high.

For teenagers under the age of 10, it is a very rich wealth to use as a child's education fund after 10 years, as a child's wedding money after 20 years, or even as a child's pension after a few decades.

Second, if you are an entrepreneur and want to invest in a fixed asset to legally do asset preservation, tax avoidance and debt avoidance (beneficiary rights, creditor's rights, inheritance rights).

Then I recommend that you insure wealth respect, 100,000 minimum investment, 3 years of capital protection, cash value from the 4th year can be **10% or so, should also belong to short-term investment, if you need money urgently, you can still use the insurance policy loan function, because the cash value will be retained 90% from the first year, and Ping An Bank stipulates that the policy can be used to loan 80% of its cash value, and this type of seckill insurance is stipulated as 90% of the cash value of the loan, that is, the annual deposit of 100,000, the first year can be loaned out more than 80,000, used for capital turnover, In addition, your Jucaibao account still enjoys the universal interest rate, which is calculated 12 times a year, and at the same time, you can enjoy the year-end dividends brought to you by Ping An's super investment income.

After the above explanation, if you don't understand anything, you can always Ping An Xiao Chen'er to find me, I am Chen Qi, the most loyal insurance and financial advisor around you, Ping An China, Ping An China, I wish you a happy family and a safe life.

Regardless of paragraph B, some salesmen introduce the respect for life as paragraph B.

They are all Ping An's financial products, and the meaning of financial management functions is basically the same! It's a double honor.

Regardless of paragraph B, some salesmen introduce the respect for life as paragraph B.

For customers who purchase Ping An Universal Insurance's A or B premiums, the insurance premiums paid will enter the "Policy Value" investment operation after deducting the "Initial Expenses" and "Protection Costs".

The deduction ratio of the initial expenses of paragraphs A and paragraph B is the same, the cost of protection for the same risk insured amount is also the same, and the return on investment is also the same, so in essence, there is no difference between the two.

The difference between the so-called paragraph A and paragraph B is only the difference in the insurance rules. And this difference in the insurance rules leads to all kinds of illusions!

Let's first look at the insurance rules for paragraphs A and B (without the addition of insurance):

Policy Minimum Limit.

Paragraph A: 5 times of the annual premium payable and periodly.

Paragraph B: 2 times of the annual premium payable and periodly.

Death benefit.

Section A: 105% of the policy value at the time of death and the basic sum assured at the time of death, whichever is greater.

Section B: Policy value at the time of death plus the basic sum assured at the time of death.

The amount of risk insured. Section A: Reduction of the basic sum assured.

Single value or policy value multiplied by 5%.

Section B: Equal to the basic sum assured.

Effect of Partial Claim on Basic Sum Assured.

Paragraph A: The policy value and the basic sum assured are reduced by the same amount.

Section B: The policy value decreases, but the basic sum assured remains unchanged.

The impact of top-up premiums on the basic sum assured.

Section A: The basic sum insured is increased by the same amount as the additional sum insured.

Section B: The policy value increases, but the basic sum assured remains unchanged.

If the same person, at the same time, and with the same amount, chooses the same "Basic Sum Assured", and buys both Type A and Type B, then after a few years, the policy value will be different, because the death benefit of the two policies is different, and the cost of protection deducted from each year is different (the "Risk Sum Assured" is different).

If the function of adjusting the sum assured of universal insurance is applied to adjust the death benefit of the two policies to the same amount in a timely manner (assuming practicable), then the difference in the policy value of the two policies in each future year is very small. The reason why there is a small difference is that the cost of protection is deducted at the beginning of the year, and the policy value is settled on a monthly basis, and after a few months, the actual risk sum insured of paragraph A will be smaller than the cost of protection deducted, while the amount of risk insured for paragraph B is fixed, so there is no such problem.

In addition, since the risk sum insured of paragraph A changes with the change of additional premiums and policy value, it may cause inconvenience to certain groups of people to increase premiums in the future, so it is recommended to purchase paragraph B as the main one.