Jinshu Zhenxing Edition and Great Wall Jinshu No. 2 have been removed one after another, and recently we have finally ushered in a new product - Guolian Life Insurance Jinshu Youth Edition.
Jinshensu Youth Edition is a newly launched lifetime life insurance for the increase in Guolian Life . At present, various reviews and feedbacks online have indicated that the returns are very good.
Below Dafengbao brings you a specific review of this product.
- Basic protection
- Return status
- Frequently asked questions
- Frequently asked questions
- Summary
Below is the basic information of Jinshenyisu Youth Edition Increased Life Insurance summarized by Dafeng Insurance for everyone.
Guolian Life Insurance Fund Satisfaction Youth Edition insurance rules are very relaxed. You can apply for insurance from newborns to 70 years old. The payment period can be made by multiple options: lump sum, 3 years, 5 years, 10 years, 15 years, and 20 years.
In terms of insurance threshold, Jinshenzu Youth Edition starts from 10,000 yuan in lump sum, and starts from 2,000 yuan in annual payment. The threshold is low. Newcomers in the workplace with a low budget in financial management can also easily buy it.
In terms of death and full disability protection, Jinshensu Youth Edition has maintained a consistent relationship with other mainstream life-life products in the market. For the specific content of the guarantee content and the increase ratio, you can view the picture above.
Gold Satisfaction Youth Edition includes the function of adding or subtracting insurance. The function of adding or subtracting insurance is written into the insurance contract. The policy loan can be up to 80% of the loan amount. The diversity and flexibility of fund allocation methods allow investors to choose additional, subtract insurance or loans more flexibly. If there are more suitable products in the future, the insured can adjust the proportion of financial products in a timely manner.
gold satisfactory youth version can set up a second policyholder and docking trust, and can also enjoy the exclusive customer service of Guolian Life Company, including preferential services such as life, health, and travel.
If you are interested in this part of the content, you can send a private message to Dafengbao for free consultation.
Let’s take a look at the specific income performance of Jinshensu Youth Edition, and calculate its IRR and cash value performance under different payment periods.
According to the calculations in the figure, the income of Jinmaiju Youth Edition is very objective. A 30-year-old man pays 100,000 yuan a year and pays for 10 years, with a total investment of 1 million yuan. By the 30th year of the policy, when the insured is 60 years old, the cash value of this policy is 2396,556 yuan, which is about 2.39 times the premium paid. At this time, the yield rate of IRR is converted to 3.468%.
html When you are 160 years old, you can choose to reduce the insurance policy of , and take out part of the cash as your pension or give your child as your marriage and entrepreneurship fund; if there is no need to reduce the insurance, let the insurance continue to compound interest and value. At the age of 80, the cash value reaches 4768,301 yuan, which is 4.76 times the initial principal paid; after Big Bee Insurance, if the IRR of Jinmaiyu Youth Edition continues to compound interest, it can reach more than 3.48%, reaching the yield rate of first-class products in the current category.
Recently, the performance of major banks' deposits, fund markets and stock markets has been very sluggish. A lifetime life insurance product that can stabilize the value-added by 3.48% in the contract is also a good choice for us.
Recently, the China Banking and Insurance Regulatory Commission has strengthened its risk considerations for insurance products and issued various documents and policies to require insurance companies to self-examination and increase their lifetime life insurance. All the requirements for interest rate are removed from the shelves and suspended for sale. In the near future, an interest rate of 3.5% will also become history. If all readers have medium- and long-term financial management funds, they can buy it in time and get on the bus quickly.
3. Common questions
1. How is this insurance company of Guolian Life Insurance?
Guolian Life Insurance was established in 2014 with a registered capital of 2 billion yuan. Its main shareholders are several state-owned enterprises with background in Wuxi Municipal Government and large enterprises with strong strength. It is headquartered in Jiangsu Province and is a Chinese-funded insurance company.
According to the public information disclosed on the official website, the comprehensive solvency adequacy ratio of Guolian Life Insurance in the fourth quarter of 2021 was 166.5%, the core solvency adequacy ratio was 166.5%, and the comprehensive risk rating in the third quarter of 2021 was Class B.
All data of Guolian Life Insurance fully complies with the regulatory requirements of the China Banking and Insurance Regulatory Commission, and everyone can take out insurance with confidence.
2. Who is suitable for purchasing increased lifetime life insurance?
The insurance period for increased lifetime life insurance is life, and the insurance amount will increase year by year with the policy year.
insurances are more suitable for people with stable capital appreciation, family wealth inheritance, educational savings to children, and provide pension security for themselves.
usually has the effect of increasing the lifetime life insurance rate of return, high security of funds, and has the effects of guaranteed capital and financial management.
4. Summary
Judging from the information currently disclosed, Guolian Life Financial Satisfaction Youth Edition is enough to rank in the first echelon of the industry in terms of insurance rules, starting investment thresholds, policy rights and returns.
, but it doesn’t leave much time for consumers to take out insurance, and interested friends need to seize the opportunity.
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