Yongfu life annuity insurance dividend accumulated interest.

Taikang Yongfu Lifetime Annuity Insurance (dividend-paying) is a stable and value-added dividend-paying insurance product specially designed for families to reserve children's education funds, marriage funds, personal pensions and other medium and long-term financial goals, with the functions of compulsory savings, capital preservation and value-adding. This product has the following three characteristics:

1。 Education and old-age care are right, and earmarking is safer.

(Pay fees regularly, reduce perceptual consumption and blind investment, and reserve life reserve funds at different stages of life with special funds; Ensure that special funds are safer)

2. Free choice of term, annuity guarantee for 20 years.

(freely choose the collection period, set the collection method, annual collection, monthly collection and one-time collection); The annuity is guaranteed for 20 years. If the insured dies unfortunately, the deceased beneficiary will get the unpaid annuity balance. )

3. Bonus appreciation is a steady win, and happiness extension is planned calmly.

(Share the operating results of the insurance company, continue to pay dividends during the annuity collection period, and the dividends retained by the company will be compounded with interest; Take precautions calmly, let today's happiness continue to tomorrow, and win a better future with peace of mind. )

Case:

Mr. Wang's son is 0 years old. The couple hope that the child can receive a good education and have a bright future. Therefore, I insured my son's life in Yongfu, saving 65,438+00,000 yuan every year and paying 65,438+00 years. The following benefits can be obtained:

15 -34 years old receives 6700 yuan per year *20 times = 134000 yuan.

34 years old, accumulated bonus 18242 yuan, of which 72950 yuan is 127662 yuan.

The total profit is 152242 yuan, of which 206950 yuan is 26 1662 yuan.

When the agreed term is 15 years old, you can choose to receive it in one lump sum, and this insurance will terminate after receiving it in one lump sum.

H: The actual dividend distribution depends on the actual operation of the company.

Case:

Mr. Zhang is 40 years old and is preparing to retire. Because, if you insure Yongfu Life Insurance, you will pay 20,000 yuan a year, 10 year. If you choose to start receiving a pension at the age of 60, you will receive the following benefits:

60 -70 years old 14940 yuan *20 times =298800.

79 years old, the accumulated bonus is low: 529 14 yuan, of which: 2 1 1680 yuan, high: 370,426 yuan.

Total income: low: 35 17 14 yuan, in which: 5 10480 yuan, high: 669226 yuan.

You can also choose to receive it in one lump sum at the age of 60, and this insurance will be terminated after receiving it in one lump sum.

For insurance companies, dividends depend on the profitability of each insurance company, which is dispensable and has obvious uncertainty.

The principle of purchasing insurance is to give priority to social security, supplemented by appropriate commercial insurance.

The insurance cost is generally about 65,438+00-20% of the annual income, and it is better not to exceed 20%, that is, 65,438+000% of the assets are preserved with 65,438+000% of the funds.

For each of us, we should reconsider medical and health insurance. Directly speaking, with the growth of age, people's physical resistance is inversely proportional and their ability to resist related risks is relatively weak.

Therefore, you must first consider medical insurance, whether it is commercial insurance or social security, and then consider other insurance products, which makes sense. If health is not guaranteed, no amount of old-age insurance is realistic.

It is suggested that you first purchase social security provided by the state (preferably purchased by the company), including cooperative medical insurance, and then consider commercial insurance as a supplement.

Here, I know that there are three universally recognized words in this industry, which are "brand in life", "safety talent" and "Xinhua product"

Finally, we should pay attention to the principles of insurance:

(a) buy insurance to buy medical health, health can ensure that customers have everything.

(2) Buying insurance pays less attention to words than contracts. Life insurance is generally a lifetime contract. If you buy it, you will be happy for life, otherwise it will have a great impact.

(3) Insurance products need to have the function of maintaining and increasing value. With the improvement of living standards, inflation must be curbed.

(4) It is meaningless to buy insurance before children. If adults are not protected, it is meaningless for children to have more insurance. After all, adults are paying for children.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.