Is Qianhai Life Insurance's "Qianhai Jufubao Old-age Security (Dividend Type)" cost-effective? Tell me specifically what you know ~

The cost performance is about 67%. Actually, it's not very high.

The 5-year income is about 2%, which is less than _ bank term 1%.

Dividend insurance is not an ideal financial product.

Say it is not ideal, one is because its income is very low, look at the dividend report received by your friends every year, and you will know how low the dividend is;

The other is because the cost of dividend insurance is high.

When I say cost, I don't mean premium, but the difference between premium and cash value.

The premium you pay is not your investment.

The premium you pay deducts the financial expenses you should bear, and the rest is your investment.

This money, in the insurance contract, is called "cash value"

In addition, dividends are uncertain, and in the worst case, they are not.

Qianhai Jufubao old-age security (dividend-paying) is a product launched by Qianhai Life Insurance after fully investigating the market and customer needs. The insurance age of this product is 0-69 years old, and the payment methods are wholesale payment, 2-year payment and 3-year payment, and the insurance period is 5 years. Qianhai Jufubao old-age security (dividend-sharing type) has three main characteristics:

One is the concern for both sides and the concern for human nature. This product covers death liability and full-term survival guarantee, and comprehensively and deeply cares for customers;

The second is to solve the problem with policy loans. Provide policy loan function to solve customers' urgent needs;

The third is to participate in dividends and add icing on the cake. During the insurance period, there will be dividend opportunities every year to share the company's surplus distribution and enjoy the operating results. In terms of product liability, if the insured dies, Qianhai Jufubao Old-age Security (dividend type) will pay the death insurance according to the greater of the following two.

First, the proportion of payment corresponding to the age of arrival at the time of death of the insured is multiplied by the insurance premium paid;

The second is the cash value of the insurance contract when the insured dies. If the insured is still alive when the insurance contract expires, the product will pay the "due insurance money" according to the basic insurance amount, and the insurance contract will be terminated.

Jufubao is term life insurance+savings+financial management. Because of its saving and financial management functions, the product price is much higher than that of traditional term life insurance, and its guarantee function is relatively weak.

Speaking of wealth management income, if you pay 6.5438 million yuan, you will get 10946 1 yuan in five years. Calculated, the annualized rate of return is about 2.3%, the yield of Yu 'ebao is 2.24%, and the interest rate of five-year government bonds is 4.27%.