As the predetermined interest rate enters the era of 3.0%, realizing asset appreciation has become a state that many friends are eager to yearn for. The editor believes that in the era of low interest rates, everyone should learn how to plan assets scientifically, so as to build a reasonable personal asset management mechanism, and achieve the goals of reducing risks, asset value preservation, appreciation, and inheritance.
Not much to say, today I will introduce to you an incremental whole life product launched by Generali Life Insurance - Yiyi Zhongyi Whole Life Insurance (Dividend Type) [hereinafter referred to as "Lifetime Zhongyi (Dividend Type)"], which passes "determined Guaranteed benefits + predictable dividend distribution", providing families with a stable mid-to-long-term plan and building a longer-term refined life.
"Determined growth + floating dividend " two-wheel drive asset upgrade
In layman's terms, Lifetime Zhongyi (dividend type) is an incremental life insurance with dividends, which not only retains the basic risk protection function of death and total disability of traditional life insurance products, but also provides customers with insurance coverage according to the actual situation of the insurance company in each policy year. Operating conditions, the opportunity to enjoy incremental dividends, which is very attractive to customers with long-term asset management needs.
The annual effective insured amount of this product is divided into two parts: the basic insured amount and the dividend insured amount. The basic insured amount is increased by 3.5% compound interest every year; the dividend insured amount is fluctuating and can be accumulated year by year, or it may be zero.
The editor takes a 30-year-old male who pays 500,000 yuan as an example to demonstrate:
Looking at the guaranteed benefit part alone, the current price exceeds the paid premium in the fifth year. If the current price after dividends is included, the overshoot can be achieved in the fourth year and doubled in the 21st year.
The predetermined interest rate of insurance products has entered the era of 3.0%, but with the blessing of dividends, the total interest of the life-long favorite (dividend-type) insurance policy is still very good, not only can adapt to the liquidity of the previous planning, but also has a certain degree of profitability Advantage.
Of course, the above demonstration of dividend benefits is based on the actuarial and other assumptions of GCL, and does not represent the company's historical operating performance, nor does it represent the company's future operating performance expectations. Announce the distribution.
Although no one can predict the future, historical past data can help us judge, and the dividend realization rate is a very important reference indicator. To calculate the dividend realization rate, you can refer to the following formula:
For example, if the demonstration dividend amount is 10,000 yuan and the actual distribution amount is 17,900 yuan, then the dividend realization rate is 179%.
At the beginning of this year, the regulator issued the "Rules for Information Disclosure of Personal Insurance Products with a Term Over One Year", requiring insurance companies that operate dividend insurance to disclose the realization rate data of past dividend products on the official website.
The editor checked the dividend realization rate of past dividend products in 2022 disclosed on the official website of the underwriting insurance company "GCL" behind Yiyi Zhongyi (dividend type), and found that almost all of them reached 100% or even higher levels, all of which benefited from The stable operating level of GCL also provides strong support for GCL (dividend-sharing) to consolidate the value of dividends and share development dividends with customers.
△Source: GCL official website
Optional universal account, "inflated red envelope" to show off
If consumers want to further build up the "capital wall", they can choose to match it with a universal account. After the policy dividend enters the universal account, it will increase the overall value of the policy as a whole like an "inflated red envelope" and achieve the purpose of long-term appreciation. Yiyi Zhongyi Whole Life Insurance (dividend type) can choose an additional universal account "Xinyisuo Universal Insurance". The minimum guaranteed interest rate is 2.0% per annum, which is the average benchmark in the market.
Enrich guarantee scenarios to improve customer experience and sense of gain
As my country enters an aging society, the structure of the labor force has changed, and the pressure on social pensions is increasing. In order to promote the further integration of life insurance and pension services, GCL has continuously increased its investment in pension services in life insurance in recent years. Lifetime GCL (dividend type) has equipped qualified customers with high-quality medical and health care service resources, including telemedicine , psychological counselor, health care appraiser, nursing assistant and home remodeler with professional services in five fields, making customers' octogenarians warm and calm.
Generally speaking, Yiyi Zhongyi whole life insurance (dividend type) has both guaranteed benefits and uncertain dividends, which is equivalent to providing everyone with an opportunity to increase asset value on the basis of a "safety cushion". At this predetermined interest rate of 3.0 In the era of %, it is a good choice to insure for a lifetime favorite (dividend type).