Today we will take a look at the comparison of AIA’s four savings dividend insurance products
1. Abundant Future 5 "Abundant Future·Yingshang":
1. Long-term stable value-added, the professional team of the insurance company does asset allocation, the asset allocation is diversified and the investment is stable, unique The dividend payment method has high historical return stability and a total return increase of 30%!
2. The "Second Insured Person Arrangement" is newly added. Even if the original insured person dies unfortunately, the second insured person can become the new insured person after approval, so that the policy can be continued.
3. A new academic performance award is added to encourage young insured persons to pursue excellent academic performance.
4. U.S. dollar asset allocation to diversify the risk of RMB exchange rate fluctuations.
5. Make contributions as short as 5 years or as long as 10 years, and receive a large annuity every year to protect future cash flow needs.
6. Comes with options to change insured and death trust option.
2. Yingyu Multi-Currency Plan:
1. The policy currency has been added to GBP, and the policy currencies have been upgraded from 6 to 7;
2. The limit of changing the insured person twice has been cancelled, and the limit of changing the insured person an unlimited number of times has been cancelled;
3 .Increase the return for the first 30 years of the 5-year RMB policy;
4. To facilitate customers to pay premiums, customers can choose to pay premiums in the policy currency.
3. Jane Eyre Continuation 5
"Jane Eyre Continuation" is an American-style dividend, positioned as short- and medium-term savings insurance, with fast return on capital, guaranteed high income, and stable investment returns.
1. Higher expected/guaranteed return: Guaranteed faster return of capital in 7 years. Both guaranteed and expected return are higher than Jane Eyre 3, with expected return as high as 5.56%;
2. Increase the surrender amount when the policy is issued: from 75% is increased to 80% of paid premiums, and the premium financing leverage is higher;
3. New terminal bonus locking option: starting from the 15th policy anniversary, terminal dividends can be locked to lock in potential returns;
4. Unlimited changes to the insured Person: The number of times to change the insured person has been increased from 2 times to unlimited times, and a second insured person option has been added.
4. Features of "Carefree Long-term Enjoyment Plan 5":
1. Guaranteed cash is distributed regularly. Taking the 6-year premium payment period as an example, the guaranteed cash will be distributed starting from the first policy anniversary until the insured is 100 years old;
2. Newly added "premium payment exemption protection on death of parents" and "premium payment exemption protection on death of spouse", extending the coverage to family members;
3. Protection for life;
4. Easy to apply for insurance, no matter the age of insurance, health-free The maximum accumulated premiums reviewed can be up to US$4 million.
A 0-year-old girl pays 30,000 US dollars a year for 5 years to compare the income of a total premium of 150,000 US dollars. Since Aiwuyou 5 does not have 5 years of payment, we chose 6 years of payment for comparison.
As can be seen from the picture, without withdrawing in the middle, Yingyu Multi-Currency>Future Yingshang>Jane Eyre Continuation 5>Ai Wuyou 5.
Some customers will ask if the expected income is so high, can dividends be achieved? In order to let customers know whether the actual dividend distribution of Hong Kong insurance products is in line with the expected amount in the insurance company's proposal, the Hong Kong Insurance Regulatory Commission requires all insurance companies to publish Bonus "realization rate" for all participating life insurance products effective from 2010.
1. Jane Eyre's continued dividend achievement rate
2. Abundant future dividend achievement rate
1) If you see "100% in the first policy year", it means that customers who bought the product for 1 year will realize it at the end of the first year The dividend attainment rate is 100%;
2) If you see "99% in the fifth policy year", it refers to the dividend attainment rate achieved by the end of the fifth year for customers who have purchased the product for 5 years.
Some customers will ask why the realization rate of the Shuangyu Future series is a bit low in the past two years. This is because the expected dividends were slightly high in the early stage, and then the expected dividends were lowered. The insurance company will regularly adjust the dividend yield of the product based on changes in market investment. , so the expected figures demonstrated in the plan are relatively reliable.
Reprinted from: Overseas Hong Kong and Macau Insurance
