Paired with additional insurance, it provides you with dual protection of whole life insurance and health insurance, and early payment for various major diseases (30 types for women and 28 types for men). At the same time, you can choose and change the basic insurance of the main and supplementary insurance independently. The amount can meet the different needs for insurance protection at different stages of life and enjoy a worry-free life.
◎ Investment guarantee and financial management are convenient.
The guaranteed interest rate we provide for your policy value is 1.75% (annual interest rate). At the same time, you can also apply for partial withdrawal according to your own financial planning and needs, making your investment and financial management flexible.
◎ Keep paying and you will get lots of rewards.
As long as you pay the regular insurance premium on time as stipulated in the contract, you can enjoy the additional rewards we allocate to you. The longer you pay the insurance premium, the more rewards you will enjoy. .
◎ Payment is deferred and the guarantee remains unchanged.
If you are temporarily unable to pay your regular insurance premiums on time, you can continue to enjoy insurance protection as long as the value of your policy at that time is sufficient to cover the cost of protection.
◎ Policy value is transparent and open.
You can learn about the settlement interest rate through our call center (95511), insurance consultants, branch customer service centers and other public media. At the same time, each policy year, you will also receive a personal policy annual report to fully understand the changes in policy value.
◎ An insurance plan specifically for health protection and retirement financial management
Continue to pay the insurance premium on time, and with the accumulation of time and compound interest, you can enjoy the value of your policy Long-term stable income will provide sufficient preparation for health protection and later life.
◎ Reasonable insurance premiums, steady growth in distribution ratio
Intimate policy design, long-term holding, enjoying excellent cost performance, investing more and more funds into the value of the policy, Let your retirement savings accumulate steadily.
◎ A loyal patron saint of life, you can get timely insurance support if you encounter a serious illness
This is your personal financial first aid kit, providing timely support for serious illness, allowing you to easily cope with the critical period of life. Enjoy a worry-free life.
◎ In line with your retirement age planning, receive the cash value in one go or in installments
Through Ping An Zhiying Life’s flexible financial management design, when you reach your personal ideal retirement age, You can receive the cash value in one lump sum or in installments, allowing you to enjoy a prosperous and worry-free later life.
◎ The cash value is flexible to receive, and you can solve the problem of fund shortage, and the protection remains unchanged
If you are in urgent need of a sum of funds, you can apply to us to partially receive the cash value to solve the problem. When it is urgent, you do not need to bear any interest, and as long as the policy value is enough to cover the cost of protection, you can continue to enjoy insurance protection, and partial withdrawals can be made at any time to meet various needs in your life journey.
◎ The insurance amount is flexible and variable to meet the protection needs at different life stages
When applying for insurance, you can select the basic insurance amount you need within the range given by us. In order to meet your protection needs at different stages of life, you can also apply to increase or decrease the basic insurance amount, subject to company regulations.
Recently, Ping An released an announcement on the settlement interest rate of universal life insurance. With its professional investment team and smooth investment channels, the settlement interest rate of Ping An’s personal universal life insurance continues to rise. In the first two months, it has jumped to the 5% platform ( The daily interest rate multiplied by 365 is converted into an annualized interest rate)!
As an upgraded version of universal life insurance, Ping An Zhiying Life has further improved the product structure and functions to better meet the needs of customers while maintaining its advantages of flexible and convenient payment, independent adjustment of the insured amount, and lifelong protection. To ensure demand, since its debut in Qilu in October last year, it has received great recognition from the market and has become the company's best-selling product.
Treatment for illness and care for the elderly without illness
The sharp rise in medical expenses and the deterioration of the living environment have made more and more people aware of the importance and necessity of critical illness insurance. Sex and critical illness insurance have always been the main insurance types of various insurance companies. However, critical illness insurance has always been criticized for its "protection in death but not in illness", that is, if you don't get a serious illness, you won't get money. If you get a serious illness, you will basically die. What's the point of asking for money? If you want to cancel the policy midway, you will suffer losses. Let alone a surplus. So is there a kind of health insurance that "treats illnesses and provides care for the elderly without illness"?
In fact, as early as the beginning of last year, Ping An of China exclusively launched a critical illness insurance package sold in combination with universal insurance. If a customer does not receive compensation for a major illness after taking out the insurance, not only will the principal be repaid when they get old, The deposited premiums can also have a relatively ideal value-added value, which has brought a huge impact to the traditional critical illness insurance market. "Treat patients when they are sick, and provide care for the elderly without diseases" - its unique market advantages immediately won the favor of consumers and became Ping An's absolute main product.
Nowadays, the upgraded "Zhiying Life" universal insurance and the new version of critical illness insurance combined with it have given full play to this "unique weapon" and added more humanized designs. .
Benefiting customers
As people’s average life span gets longer and longer, the protection cost of general insurance products will increase with age, especially in old age. When insurance is needed, the cost of protection increases significantly, almost equal to the premium, which loses the meaning of insurance protection. Therefore, Ping An's "Zhiying Life" has adopted a "balanced" protection cost. After the customer reaches the age of 82, the protection cost will be charged according to the level at the age of 82, and will no longer increase year by year.
In addition, Ping An Zhiying Life also has features such as reduced protection costs, increased protection limits, and special rewards for continued payments, which are beneficial to customers and meet their various needs.
International investment management team
The past year of 2007 set a new milestone in the development history of Ping An. On March 1, 2007, Ping An successfully returned to the A-share market and was widely recognized by investors. As of the end of December, the company's total market value was nearly US$100 billion, ranking among the top 20 global financial companies and among global insurance groups. No. 4. In the "Forbes" list of "Top 500 Global Listed Companies in 2007", Ping An of China ranked 440th overall and ranked first among non-state-owned enterprises among the 44 shortlisted Chinese companies. It can be said that today's Ping An is not only the pride of China's national insurance industry, but also a model of operation and management that strictly adheres to international standards. In the face of increasingly fierce market competition, Ping An of China maintained a strong growth momentum in 2007 with its solid foundation and increasing competitive advantages: premium income exceeded 100.7 billion yuan that year, and total assets exceeded 600 billion yuan.
In addition to providing risk protection, insurance companies also shoulder the important task of maintaining and increasing the value of long-term life insurance premiums paid by customers. Therefore, the investment management capabilities of each company often become the focus of customers' attention. In this regard, Ping An Asset Management Company has accumulated nearly 20 years of professional investment management experience. As the scale of assets under management increases year by year and the investment scope extends from domestic to international, Ping An has established in the past two years, including from Australia's first A team of investment professionals with rich experience in the industry such as Colonial First State, HSBC, Zurich Financial, and BNP Paris has established a set of good investment management systems, processes and risk control systems to form a Developed a mature investment management model.
1. The asset management scale of Ping An Asset Management Company exceeds 360 billion yuan
As of the end of June 2007, the asset scale directly managed by Ping An Asset Management Company has exceeded 360 billion yuan, making it the largest and most influential institutional investment in China. one of those. Among them, Ping An Asset Management Company of Hong Kong is responsible for Ping An’s nearly 100 billion overseas investment and management business, and its investment scope extends from Hong Kong to mature international capital markets such as Europe and the United States.
Steady investment wins with scale. Compared with the tens of billions and hundreds of billions of fund companies currently in the domestic capital market, Ping An Asset Management is undoubtedly a larger institutional investor, so it will naturally become one of the biggest beneficiaries in terms of stock investment, especially new stock subscriptions and private placements. one. In the first seven months of 2007, among the 49 insurance companies that participated in new share subscriptions and private placements of listed companies, Ping An accounted for nearly 30% of the total funds allocated, and its profits exceeded 10 billion. Taking the subscription of 600 million private placement shares of Minsheng Bank in June 2007 as an example, based on the current calculation of 15 yuan/share, Ping An obtained a book premium of nearly 3.6 billion yuan in equity investment.
2. Ping An Consortium invested 16 billion yuan in the Beijing-Shanghai High-Speed ??Railway
Last month, the insurance consortium headed by Ping An of China invested 16 billion yuan, accounting for 13.93% of the total shares of the Beijing-Shanghai High-speed Railway Co., Ltd., becoming the second Major shareholder. This move is the first time that Chinese insurance companies have jointly invested in a large-scale infrastructure project, achieving a major breakthrough in infrastructure investment with insurance funds. Ping An Asset Management Company, which has assets under management exceeding 360 billion yuan, serves as the fund trustee. The Beijing-Shanghai high-speed railway is currently the world's largest high-speed railway with the longest mileage built at one time, with a design speed of 350 kilometers per hour.
In 2006, Ping An became the lead pilot company for the 12 billion yuan infrastructure project investment approved by the State Council for the first time. Up to now, Ping An of China has carried out investment business in infrastructure projects in various fields such as toll roads, railways, urban water affairs and electricity, including Shanxi Expressway, Hubei Jingdong Expressway, Liuzhou Tap Water Project, etc.
3. Overseas investment: Ping An became the single largest shareholder of Fortis
At the end of November 2007, through an overseas investment of RMB 19.8 billion, Ping An became the single largest shareholder of Fortis, the largest comprehensive financial group in Europe. Mr. Zhang Zixin, general manager of Ping An Group, was also invited to serve as a director of Fortis Group. This transaction is the first large-scale investment by a Chinese financial enterprise in a global financial institution in Europe. It has successfully taken Ping An's first step in global development and is of far-reaching significance for further optimizing the global allocation of assets and increasing investment returns.
In the 2006 Fortune 500 rankings, Fortis, which was established less than 20 years ago, ranked 18th with total assets of 917.7 billion euros, and ranked second only to Citigroup in the banking and financial rankings.
The total investment return of Fortis Group's stocks has been as high as 1,232% in the past 16 years, and the dividends are stable and generous. At the same time, Fortis Group has many similarities with Ping An in terms of business philosophy, business structure (three major business segments of banking, insurance, and asset management), and corporate culture, which provides a basis for future strategic cooperation on a global scale.
4. Ping An is the first company approved to fully invest 15% of its total assets overseas
With the approval of the China Insurance Regulatory Commission, Ping An has become the first insurance company in the industry to be able to invest fully overseas, using no more than 15% of its total assets at the end of the previous year. Use its own foreign exchange funds and RMB foreign exchange purchased funds to invest in the Hong Kong stock market and major equity projects. Based on this calculation, the amount of overseas investment that Ping An can make will be around 100 billion yuan.
This move fully demonstrates the regulatory authorities’ full trust in Ping An’s asset management capabilities. It also means that Ping An has taken another steady step towards the goal of building a world-class investment platform. The expansion of insurance fund investment channels Further liberalization will help Ping An conduct global asset allocation, improve investment return levels, avoid the risk of fluctuations in a single economy, and have a positive impact on policy returns and company profits.
Insurance Cases
Ms. Wang purchased Ping An Zhiying Life Universal + Critical Illness Protection at the age of 30. She paid an annual insurance premium of 6,000 yuan for 10 years and paid a total of 60,000 yuan. The amount is set at NT$120,000. If Ms. Wang has been in good health, according to the product manual demonstration data submitted by Ping An and approved by the China Insurance Regulatory Commission: calculated based on the guaranteed settlement interest rate, if she surrenders the policy at the age of 60, she can withdraw 61,000 yuan, which is equivalent to using 60,000 yuan. The interest on the deposit is exchanged for double protection of serious illness or death for 30 years with an insured amount of 120,000 yuan; if the mid-range settlement interest rate is used, then 145,000 yuan can be withdrawn when the policy is surrendered at the age of 60. According to the high-end settlement interest rate, You can withdraw 186,000 yuan. If Ms. Wang suffers from any of the 30 major diseases covered, she can receive a lump sum of at least 120,000 yuan in compensation. Compared with the total premium of 60,000 yuan, it is really a good deal!
And starting from the fourth policy year, if Ms. Wang continues to pay premiums, she will also receive 2% of the current premium payable as a special reward every year, which will be directly included in the policy value; in the future, Ms. Wang will also Premiums can be added or the coverage amount can be adjusted according to personal needs.
(The above cases are purely descriptive. Investment income above the minimum guaranteed interest rate is uncertain and cannot be understood as an expectation for the future. The actual settlement interest rate of universal insurance will depend on the actual settlement rate of the insurance company. Investment income.
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