1. Deduction of initial expenses:
At present, the payment method of our company's financial life is wholesale payment, with a minimum of 20,000 yuan. The initial cost is only 1.5%, and 98.5% of the money goes into the personal account.
Two: About the interest rate of universal insurance:
Our company's guaranteed interest rate is 1.75%, which is a guaranteed interest rate and cannot be regarded as a rate of return. In addition, there is no guaranteed interest rate for stocks and funds (except for some fixed investment funds). This allows insurance companies to bear the risk of customer investment. The income of stocks and funds may be better than that of insurance, but at the same time, they have to bear high risks. Without the professional knowledge of stocks and funds, it is easy to lose money. There should be many friends around you who have lost money by buying stocks and funds.
Whole life insurance (Universal) of the Personal Insurance Department of our company brought the old-age security (Universal) account of bancassurance to customers with further preferential treatment, and the initial cost was reduced from 3% of bancassurance business to 65,438+0.5%.
The following is the settlement interest rate of PICC Life Smart Pension Account (universal), which can be used as a reference for whole life insurance Life Smart Pension (universal).
Check the website/customer/contract/jieshuanll.asp.
Settlement interest rate on announcement day of settlement month
February 2007 March 6, 2007
March 2007 April 5, 2007
April 30(th), 2007
June 5(th), 2007
July 6(th), 2007
July 2007 August 7, 2007
August 2007, September 5, 2007, 5.28%
There is such a good income because we have a professional investment team-China PICC Asset Management Co., Ltd. ..
China PICC Asset Management Co., Ltd. is the first insurance asset management company in China with the approval of the State Council and the approval of China Insurance Regulatory Commission, which was established exclusively by China People's Insurance Company with a registered capital of 800 million yuan. PICC assets have the most complete investment channels and qualifications in the domestic asset management field, such as the qualification of inquiry for off-line placement of A shares, the qualification of inter-bank market trading and trading channels, the qualification of foreign exchange trading, and the qualification of overseas direct investment trustee of domestic funds. As of June 30, 2007, the company managed over 60 billion assets, with an average annual return on investment of 4.5%. In 2006, the return on investment reached 10.5%.
Third, the guarantee function of universal insurance.
The Company's insurance liabilities for this universal insurance are as follows:
1. Insurance period: lifetime guarantee;
2. Death insurance: equal to 1 times the basic insurance amount;
3. Accidental death insurance: 18-70 years old insured dies unexpectedly, and extra compensation is paid 1 times the basic insurance amount.
The basic insurance amount is the larger of the following amounts:
(1) (accumulated premium paid-accumulated part received) *105%;
(2) Account value.
This product is especially suitable for customers who want to invest but don't know much about equity funds. If you deposit money in your personal account, you will get experts from PICC Asset Management Company to manage your money. If you feel that the protection function is not comprehensive enough, you can supplement other corresponding types of insurance to achieve an insurance portfolio that suits your needs.
The wisdom of making money lies in: making money for you with the time of experts and making money for you with the wisdom of experts.
I hope the information I brought you can help you. My email address is zhuli112 @126.com. If you have any questions, you can email me and serve you wholeheartedly.