China Life China Life Xinfu Annual Annuity Insurance

1. What does China Life Trust have every year?

Xinfu has endowment insurance and annuity insurance every year. The age of receiving pension in endowment insurance, that is, the insurance period of annuity insurance, can be attached to a universal account.

The optional payment period of insurance is 3/5/ 10 years, and the premium paid can be returned at the earliest of 55 years or at the earliest of 10 years, and the principal is independently controlled. The insured can receive the birthday bonus when he survives to the guarantee period agreed in this contract, and the company will pay the maturity insurance premium according to the basic insurance amount in this contract when he survives to the age of 80.

1. Annuity: 12% of the premium paid in the first year, and15% of the basic insurance amount shall be paid every year from the following year to the expiration of the insurance period;

2. Pension annuity: from the agreed date to the age of 80, you will receive 15% of the basic insurance amount every year;

3. Birthday payment: you can receive the premium paid on the day of pension collection;

4. maturity: 80 years old; Get basic insurance protection;

2. How much can China Life Trust get each year?

Take three years of childbirth and a 60-year-old birthday bonus.

In the first year, the annuity is 2 100.6 yuan, and the annuity plus pension, from 1 to 79 years old, can receive 79 times, each time receiving 1500 yuan, a * * receiving 1 18500 yuan.

At the age of 60, you can get a birthday bonus of 525 15 yuan, and at the age of 80, you can get a maturity bonus of 10000 yuan. Therefore, when the insurance expires, the amount that Yi * * can receive is 183 1 15 yuan, and the premium paid is 52,565,438 yuan.

It can be seen that the older the birthday payment, the shorter the payment time, the higher the net income and the higher the interest rate.

3. Who is China Life Trust suitable for each year?

Finally, talk about what kind of people this product is suitable for.

1. First of all, we must have certain basic conditions and configure other comprehensive insurance types. Buying insurance has always emphasized protection first, then financial management. For families with average economic conditions, risk protection is the most urgent need. When you have basic security, you can use the extra money to buy financial insurance.

2. Suitable for young consumers. Financial insurance takes a long time to recover the cost, so it is recommended to buy it for younger family members. However, if the family budget is limited, priority should be given to buying security products, which are not necessary.