Yinchuan Pacific Insurance Financial Management

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Worry-free Life Card (Accident Type)

In 2007, 327,209 road traffic accidents occurred nationwide, resulting in 81,649 deaths, 380,442 injuries, and direct property losses of 1.2 billion. Yuan. No one knows when an accident will come. Just look at these figures and you will know that accidents are around us and you don’t know when they will come. Our product is for accident compensation. It costs a small amount of 168 yuan a year. There is a death protection of 100,000 yuan and a medical protection of 8,000 yuan

Ruyi Antai critical illness insurance:

It is a regular type that pays compensation for the beneficiary's critical illness. The insurance also refunds the premium, and has 5% interest. It covers more than 30 kinds of diseases

Hongfu Annual Endowment Insurance (dividend type):

This It is a new financial product launched on January 1, 2008 to celebrate the successful listing of China Pacific Insurance. This product can receive money once every two years since the contract takes effect, and can be received for life, and the premium will be refunded and repaid. There is an 8% interest rate, which is much higher than that of any insurance company. If you buy it before June 30, 2008, CPIC will allocate 1.66 billion yuan in proportion. And it will open 4 accounts for you. , if you don’t withdraw it, you will get compound interest through three accounts, and you can get the policy payment

Huacai Life Universal Insurance:

It is mainly about flexible deposits and withdrawals, deposits in the first year The minimum is 6,000 yuan, and the follow-up fee can be paid monthly. The lowest guaranteed interest rate is 2.5%/monthly benefit interest, and the deduction is 50% lower than other insurance companies. It benefits more, deducts less fees, and the overall benefit fee is high. In 2007 The average return is 7.57%, which will definitely exceed 8% this year (plus special bonus of 1.66 billion)

Pacific Insurance's innovative insurance financial product "Hongfa Annual All-in-one Fixed Investment Financial Plan" is launched, new wisdom in dual-power financial management ——Pacific Insurance's innovative insurance financial product "Hongfa Niannian All-in-one Fixed Investment Financial Plan" is launched. In recent years, the global economic structure has undergone drastic adjustments. The wealth distribution effect has led to the widening gap between the rich and the poor. Inflation, employment pressure, social aging, etc. have all Let the days of "getting a salary and waiting for retirement" be gone forever. "If you don't manage your finances, your finances will ignore you." How to preserve the value of the wealth in your hands is the focus of people's attention. Pacific Insurance has always paid attention to customer needs and has been committed to product research and development and leading the market for a long time. In order to give back to its new and old customers, the company has innovatively launched a new generation of insurance financial planning - Hongfa Annual All-in-One Fixed Investment Financial Plan. This plan combines the dual power of "annual collection + annual dividends" and "monthly settlement with additional universal account" to obtain higher returns for customers on the basis of ensuring asset safety. At the same time, the plan's more humane design and comprehensive services will Provide customers with a new all-round financial management experience in many aspects. "Hongfa Niannian All-Purpose Fixed Investment Financial Plan" (hereinafter referred to as "Hongfa Niannian") consists of "Hongfa Niannian All-Purpose Fixed Investment Annuity Insurance (Dividend Type)" and "Additional Wealth Manager Annuity Insurance (Universal Type)". By investing a fixed amount of premium every year within a certain payment period, customers can enjoy the lifelong expert financial management services of "Hongfa Niannian". On the basis of "pay and receive immediately", "receive every year", "dividend every year", "one-time return of principal" and "receive for life", this plan enables earlier repayment of principal and optional repayment age, and is specially designed With the additional Wealth Manager account, both survival funds and dividends can be automatically entered into the account to participate in investment settlement, with monthly compound interest settlement, allowing funds to continuously increase in value. In terms of humanized product design details, "Hongfa Niannian" is also thoughtful and has achieved a breakthrough of "0 initial fee" and "0 management fee" for additional accounts, which is equivalent to opening additional wealth manager accounts for customers for free. . In addition to the secondary value-added, customers can also prepay premiums through additional wealth manager accounts. Under certain circumstances, the account value can be automatically withdrawn to pay premiums. On the one hand, customers can maintain the value of their prepaid premiums, and on the other hand, they can also allow renewal payments. It saves money and effort. The balance of the additional Wealth Manager account is more flexible and can be withdrawn at any time or converted into an annuity. "Hongfa Niannian" aims to bring customers an all-round financial management experience that is smart, reassuring, flexible and considerate. Dual motivation, dual power, the right way to make money is "dividend + universal, dual engines of financial management". "Hongfa Niannian" has two market-leading wealth-generating drivers, namely the "all-round fixed investment annual driver" for the main insurance and the "wealth steward monthly driver" for the additional insurance.

"Annual power" means that each premium of the main insurance is 10,000 yuan. By investing the premium regularly, you can receive annuity (i.e., receive a blessing of 9% of the annual basic insurance amount) and bonus (i.e., participate in the company's dividend distribution every year) every year. The first annuity can be obtained on the date corresponding to the effective date of the contract, and the income can be enjoyed immediately without waiting. Blessings and bonuses can be received every year for life. In addition, customers can choose to repay the principal in one lump sum when they reach the age of 60, 65, 70, 75 or 80, that is, they will receive a birthday bonus equal to the total premium paid. The principal can be repaid in one lump sum at the earliest when they are 60 years old. "Monthly power" means that if the customer also insures "Additional Wealth Manager Annuity Insurance (Universal Type)", the blessing money, birthday money and dividends of the main insurance can be automatically entered into the additional Wealth Manager account, and will be settled with monthly compound interest, allowing funds to continue to be obtained The momentum of monthly settlement and secondary appreciation make the snowball of wealth grow bigger and bigger. The dual-engine drive design accelerates the frequency of wealth operation, allowing customers to obtain stable cash flow while further revitalizing the wealth in their hands and enjoying higher returns. It's free to open an "account", and it's free to save money. It's worth noting that the "Additional Wealth Manager Annuity Insurance (Universal Type)" of this financial plan has achieved a breakthrough of "0 initial fee" and "0 management fee", which is quite This allows customers to enjoy the functions and benefits brought by additional wealth manager accounts without any additional expenditure. While "opening up money", it further helps customers to "cut costs" and lock in wealth. In addition to the monthly compound interest settlement function, the additional wealth manager account can also support prepayment of premiums, which is especially suitable for private owners or customers with large periodic income streams to invest in "Hongfa Niannian". This function allows them to put the funds they use for fixed installment investment into the additional wealth manager account in advance. When the value of the additional wealth manager account is sufficient, the company will automatically withdraw the account value to pay the renewal premiums for the main insurance and other additional insurances, so that the customer can The funds used to pay premiums in the future will not be idle for a moment, achieving continuous preservation and appreciation, and further intelligently helping customers not to waste the funds in their hands. Pay attention to emotions, pay attention to emotions, and care for life Pacific Insurance has long been adhering to the product concept of "four seasons of life, security, true happiness". The company's products not only help customers manage their finances, but also pay attention to their emotions and lives. "Hongfa Niannian" not only helps customers make money, but also helps them carefully plan their lifetime wealth protection. "Hongfa Niannian" is suitable for parents to insure their children as a plan for future education and as a guarantee for wealth inheritance. By treating your children as the insured of "Hongfa Niannian", the premiums are low. Through long-term accumulation and appreciation of funds, you can easily reserve education reserves. Purchasing "Hongfa Nian Nian" for your children can prevent your wealth from being used up prematurely and easily create "a lifetime of pocket money" for your children. "Hongfa Niannian" is also suitable as a personal financial management tool. You can enjoy considerable long-term income on the basis of financial security. It can also be exempted from possible inheritance taxes, allowing wealth to be preserved and last a lifetime. The "Hongfa Niannian" financial plan is designed to return capital early, receive lifetime benefits, monthly settlement, and smart financial management to create long-term and stable income for customers, and is an ideal basic asset allocation tool. For people with retirement planning needs, "Hongfa Niannian" is an ideal tool for retirement savings. It not only achieves targeted retirement savings, but also resists longevity risks. Through actuarial technology, retirement income is equal to life, so you can live longer. , the more you receive, there is no upper limit. Realizing wealth planning and wealth protection through "Hongfa Niannian" is an irreplaceable advantage of other financial tools. Comprehensive service, comprehensive service, enjoy what you want. The all-round experience "Hongfa Niannian" brings to customers is not only higher returns, but also more comfortable lifelong financial services. It is like a private wealth steward, ready to listen to your various needs at any time. Financial withdrawal needs. This "wealth manager" can help you pay and deduct premiums on your behalf, freeing you from the worry of paying premiums regularly every year. If you need to withdraw funds, you can choose to withdraw funds at the company's business hall at any time; for customers with pension income plans or regular fixed payment needs, you can also choose to convert the balance of the universal account into an annuity to receive it, and the beneficiary of the death can also convert the "Hong Kong" into "Hong Kong". The death insurance benefit will be converted into an annuity payment. In addition, the main insurance policy "Hongfa Niannian" also has flexible liquidity. During the validity period of the contract, if you are in urgent need of cash flow, you can easily obtain a cash flow through the policy loan function, or you can use the automatic premium payment function to alleviate the problem. Periodic liquidity pressures. Product Features 1. Make a fixed investment every year, receive it every year, and enjoy a lifetime of blessings every year. Each insurance premium is 10,000 yuan, simple and clear.

From the effective date of the contract, customers can receive blessing payments equal to 9% of the basic insurance amount every year. The first installment of blessing payments can be received after the contract comes into effect. The returns are fast and frequent, and customers can enjoy a stable amount of cash every year. Stream to life, easily meeting customers' needs for long-term financial planning and daily financial arrangements. 2. Premium refund, flexible options, worry-free retirement and birthday celebrations. In addition to receiving blessing money every year, customers can also choose to receive a sum equal to The birthday bonus is based on the total premiums paid, and the annuity conversion function is also provided, which not only ensures the safety of the customer's funds, but also subsidizes retirement living expenses and improves the quality of life in later years. 3. Additional universal and thoughtful design, customers can choose to purchase additional wealth manager annuity insurance (universal type) (hereinafter referred to as "additional wealth manager"), which is expected to provide higher account income. The blessing payment, birthday payment and dividends of the main insurance can be " "Zero Deduction" automatically enters the additional universal account, and the monthly compound interest settlement is expected to obtain higher account income. If the value of the additional wealth manager account is sufficient, the renewal premiums for the main insurance and other additional insurances can be automatically withdrawn and paid, free of charge. Customers don’t have to worry about renewal fees. 4. Value protection, lifelong care, showing thoughtful and humane care. Once insured, customers will have lifetime value protection. In addition to ensuring the safety of customers' capital income, it can also prevent death risks, showing thoughtful and comprehensive human care. 5. Dividend compounding, resisting inflation, and sharing professional operating results. The company determines the dividend distribution plan every year based on the business operating conditions of participating insurance, and customers can share the company's professional operating results every year. Dividends can be retained in the company's dividend accumulation interest-earning account or entered into an additional wealth manager account (if additional wealth manager is selected at the same time), and enjoy compound interest accumulation income to help customers resist inflation. Insurance example: Mr. Chen, department manager of a large state-owned enterprise, purchased two insurances for his son Chen Beibei, who was just 30 days old. )", choose to receive the birthday benefit at the age of 60, with an annual premium of 20,000 yuan, paid off in 10 years, and a basic insurance amount of 30,730 yuan. The blessing payment, birthday payment and dividends will all go into the additional insurance wealth manager account to participate in investment settlement. The policy benefits are as follows: 1. Blessing money: From the effective date of the contract and on each subsequent contract effective date, Chen Beibei can receive 2,766 yuan per year until life. 2. Birthday bonus: When Chen Beibei turns 60, she can receive a birthday bonus of 200,000 yuan equal to the total insurance premiums paid. 3. Dividends: During the validity period of the policy, you can participate in the company’s dividend distribution. Dividend distribution is uncertain. 4. The above blessing money, birthday money and dividends will automatically enter the additional insurance wealth manager account to participate in investment settlement and continue to increase in value. Examples of account value prediction data are as follows: 60 years old: 3,967,315 yuan at the high-end dividend level and high-end universal income; 1,644,433 yuan at the mid-range dividend level and mid-range universal income; 490,883 yuan at the low-end dividend level and low-end universal income. 80 years old: The high-end dividend level and high-end universal income are 13,579,580 yuan; the mid-range dividend level and mid-range universal income are 4,588,251 yuan; the low-end dividend level and low-end universal income are 1,213,352 yuan. 5. Death or total disability insurance main insurance: before the age of 60, the payment will be based on the total insurance premium paid or the cash value, whichever is greater; after the age of 60, the payment will be based on the cash value. Additional insurance: paid according to the policy account value.