Dividend insurance is welcomed by many friends. In fact, the income of dividend insurance is very unstable, and it's hard to say how much income it can have in the future. Comparatively speaking, the annuity insurance products with guaranteed capital and interest are much better, and the income is certain. How much money can be written into the contract in the future. Minbao screened out 8 annuity insurance products with good returns for your reference and comparison. Which is better for high-yield annuity? 8 high-yield annuity insurance recommendation!
The Insurance Liability of Jixing Yingrui
Survival insurance: 18-40 years old: 1200 yuan cash (15% insured amount) will be returned every year from the effective date of the policy. 4 1-50 years old at the time of insurance: cash will be returned to 960 yuan every year (12% of the insured amount) from the effective date of the policy.
Accumulated survival money: If the "survival insurance money" paid every year is not collected, it will be accumulated with compound interest of 3.5% every year.
Policy dividend: according to the actual operation of Ping An dividend insurance, the dividend distribution is determined in accordance with the relevant regulations of the insurance regulatory authorities and distributed in cash. Interpretation of "Policy Bonus"
Accumulated bonus: if you don't receive the annual "policy bonus", you will accumulate it with 3.5% compound interest every year. (Dividends can also be used to offset premiums or pay increases.)
Maturity survival fund: After reaching the age of 88, the paid premium will be returned to pay the maturity survival fund, and the contract will be terminated.
Policy loan: You can apply for policy loan at any time within the validity period of the contract, accounting for 80% of the cash value of the policy, in order to solve the urgent need or obtain higher investment opportunities.
General death insurance: pay 10 times the annual premium.
Accidental death insurance premium: 15 times the annual premium.
Free of insurance premium: this product can be attached with free of insurance premium. A. The insured (who died or suffered from Grade I, II or III disability) and the insured (who suffered from major illness for the first time) are exempt from the insurance premium for the remaining years, and the insurance benefits remain unchanged.
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