In the past two years, large-amount policies have been launched frequently in the incremental whole life insurance market, and
high-end financial insurance has quietly emerged.
For example, the early Internet celebrity Xintai Ruyizun 2.0, which has a million-dollar insurance policy...
There is also the king of incremental whole life insurance Qintong exclusive The big singles across the country are frequently coming out:
and now the hot-selling king Hongkang Jinyu Mantang:
Compared with ordinary people, rich people have more resources.
There are many investment channels, and the return on investment is also higher.
But why are rich people willing to spend a lot of money?
are scrambling to buy profits. What about incremental whole life insurance with only 3.5%?
Today we will take a look at the 5 big truths behind this~
N1
Truth 1: Increasing whole life insurance has leverage function
Increasing whole life insurance is essentially life insurance and has a certain leverage function.
Once a personal accident occurs, for the rich,
they will not only lose their life itself,
but also the family will instantly lose their ability to make money,
losing the basis for continuing a high-quality life.
A large incremental whole life insurance policy is equivalent to locking in a large amount of funds.
It can protect the family to recover losses and preserve assets when the family loses its ability to earn money,
or dies unexpectedly.
For example, Mr. A, the general manager of a listed company,
purchased an 5 million incremental whole life insurance policy.
Unfortunately, he died unexpectedly at the age of 39.
Then the insurance company will give 8 million death benefit (1.6 times the premium) to his family.
N2
Truth: 2: Diversify investment risks
There are many cases of wealthy people going bankrupt due to investment failures.
So there is an old saying in the investment community: eggs cannot be put in the same basket.
Scientific and reasonable family asset allocation,
requires both the funds to charge into battle and the capital to set up camp.
Stocks and funds can help us make money,
and incremental whole life insurance not only has a stable income of 3.5%,
it can also help us stay safe..
In a word, no matter how powerful the rich are in making money, they still need to set aside part of their pocket money.
N3
Truth 3: Wealth inheritance is more efficient and accurate
There are many types of wealth inheritance, such as wills and trusts.
However, incremental whole life insurance has
the three additional advantages of simplicity, efficiency and accuracy.
In terms of operation, you can directly apply for insurance after determining the insured amount and the policy holder.
The cash value belongs to the policy holder.
Regardless of whether he or she is alive or dead,
policyholders hold the "financial power" of the whole life insurance policy:
Before death,
policyholders have the right to reduce insurance or surrender and
can give their children as much as they want. If you are enterprising, you can give nothing away, and you can avoid losing money.
behind , can flexibly specify beneficiaries and benefit proportion .
Just appoint whoever you want to leave it to. There is no dispute.
does not need to prove that Xiao Ming’s father is Xiao Ming’s father.
And this money does not need to pay taxes , will not be debt .
N4
Truth 4: Security locks
Strong supervision of the whereabouts of insurance company funds,
Coupled with the guarantee of the reinsurance system and the strong endorsement of the insurance law,
Insurance companies are very graceful even if they withdraw:
If something goes wrong, it must It is taken over by other insurance companies and cannot be damaged. The interests of the policyholder.
There is no more secure fund storage channel than insurance with endorsements.
In addition, once the insurance contract is signed,
then the benefits of policy are certain, lifetime compound interest is 3.5%.
In this way, the incremental whole life insurance policy has the function of locking interest rate .
For wealthy people, the security of assets may be more important than the appreciation of assets, and
the income locking function is particularly valuable.
N5
Truth 5: High flexibility
For wealthy people, in addition to the security of assets,
the flexibility of funds is equally important.
Rich people may also have a lot of uncertainty in the future.
For example, business capital turnover may require money.
In ten or twenty years time, it will cost money for children to study abroad,
it may cost money for children to get married, start a business, etc.
Therefore, we need a financial arrangement that can reduce the guarantee and withdraw it at any time.
Increasing whole life insurance perfectly meets this need:
① Reduce the insurance and withdraw cash: withdraw as much as you want
You can withdraw all , or partially withdraw ,
The remaining cash value will still be subject to 3.5% compound interest value added.
② Policy loan: Up to 80% of the cash value can be loaned
The cash value will still increase in value at 3.5% compound interest.
The loan interest rate is very low, like Hongkang Life Insurance, it is only 4.5%.
N6
written at the end
In fact, not only rich people like to use incremental whole life insurance as part of their family asset allocation.
We ordinary people need such an insurance policy:
safe and stable, value preservation and appreciation, and high flexibility.
With this configuration, no matter how the economic environment changes in the future,
even if the interest rate drops to the point where our parents don't recognize it,
we can still make appropriate responses very calmly.
If you want to know which product, please send me a private message or leave a message~
