Like the term life insurance before Netease, the term life insurance launched by Minsheng Bank is essentially an insurance product, and even the cooperative insurance companies are the same, all of which are Everbright Life Insurance Co., Ltd.

Specifically, the "fixed deposit treasure" of Minsheng Bank consists of "Everbright Yongming Meiji Fu Annuity Insurance (investment-linked)", which is floating without capital preservation, with an expected annualized income of 6% and a holding period of 366 days; From 1 000 yuan, the maximum personal purchase amount is 1 000 million yuan; The deduction for surrender in the first year is 65438+ 00% of the account value; The hesitation period is 15 days.

What are the characteristics of Ding Clown?

Compared with Netease's two "fixed life insurance" yields of 6% in 66 days and 6.5% in 68 days, Minsheng's "fixed life insurance" yield of 6% in 366 days seems to have no advantage. However, the innovation of this livelihood "Ding Huobao" is that customers can pledge loans with products. That is to say, if customers need money urgently during the one-year holding period, they can use "Dinghuobao" as a pledge to lend money to Minsheng Bank, and Minsheng Bank promises to lend money in real time and repay it with the loan. Although the loan interest rate may be higher than the product income, in the long run, the loss will not be great, because insurance products will have to pay a surrender fee of 10%. In this way, the liquidity and utilization rate of funds have been greatly improved.

Is a 6% return reliable?

Compared with the products linked to insurance financing in the current market, "Entertainment Bao" Phase II is 7%, JD.COM Super Finance is 6.9%, Baidu Baiyi 180 days is 6.5%, and Netease Fixed Life Insurance is the highest. It can be seen that the 6% yield given by Ding Huobao is not high. Even so, the 6% return is only expected, which means that there is no guaranteed return in the contract. But then again, as a regular wealth management product of the banking department, the expected rate of return of 6% should be more secure.

Now the yield of Yu 'ebao is hovering around 4%, and the yield of 6% is still very attractive. For cautious investors, appropriate consideration can be given to configuration. In addition, if you buy Dinghuobao now, you can also give away 1 year aviation accident insurance for free, which is quite cost-effective.