What is Xinxiang Jinsheng?

Xinxiang Jinsheng Annuity Insurance is a financial insurance and pension annuity product launched by China Life Insurance Co., Ltd.

Let’s analyze Xinxiangjinsheng annuity insurance

Feature 1 of China Life Xinxiangjinsheng annuity insurance: predetermined interest rate

China Life Xinxiangjinsheng annuity insurance The fixed predetermined interest rate is 4.024, which is the rate of return provided by China Life to insured customers. 4.025 is also the maximum legal assessment interest rate for ordinary annuity insurance liability reserves stipulated by the China Insurance Regulatory Commission.

China Life Xinxiang Jinsheng Feature 2: Fixed Return

You can receive a certain amount of special survival insurance every year starting from the fifth year, and you can receive it every year starting from the seventh year There is a certain amount of survival insurance, so from the fifth year after the insurance is purchased until the expiration of the contract, there is a fixed return amount every year.

China Life Xinxiangjinsheng Feature Three: Universal Account

Depending on the annual premium, China Life Xinxiangjinsheng annuity insurance can be matched with China Life Xinzunbao whole life insurance ( There are three types of universal accounts: Universal Type) (Celebration Edition), China Life Xinzunbao Whole Life Insurance (Universal Type) (Version A), and China Life Xinzunbao Pension Annuity (Universal Type) (Version C).

The unclaimed amount can be transferred to the universal account to realize appreciation, and the insurance period of the universal account is life-long, and the minimum guaranteed interest rate is 2.5.

Finally, although the insurance clauses of China Life Xinxiang Jinsheng Annuity Insurance cannot meet everyone’s needs, from the three aspects mentioned above, Xinxiang Jinsheng Annuity is not a trap. However, everyone should pay attention to clearly understand the terms of the insurance contract when purchasing insurance, and be careful not to be deceived by the salesperson into purchasing inappropriate insurance.