In the blink of an eye, more than half of 2023 has passed. With the end of the era of the predetermined interest rate of 3.5%, our asset allocation is facing new challenges, and the incremental whole life insurance has become the "new darling" of insurance companies and the market due to its steady growth.
The editor noticed that there has been a lot of discussion in the market recently about such a "treasure" life-increasing product. Newspaper, Securities Star, CICC Online and many other authoritative media rushed to report.
△Source: Yiyi Zhongyi Whole Life Insurance (dividend type) was reported by authoritative media
This life-increasing life insurance product that has attracted so much attention is Zhongyi Whole Life Insurance (Participating Type) [hereinafter referred to as "Lifetime Zhongyi (Dividend Type)"] launched by Generali Life Insurance. The double increase in the insurance amount helps customers realize the double protection of asset value and life value.
Easy insurance threshold, rich value-added services
According to the editor’s understanding, Yiyi Zhongyi Whole Life Insurance (dividend type) has a wide range of insurable ages, and supports people aged 7 days to 70 years old to apply for insurance. Customers can also choose the way of single payment/3/5/10/15/20 years Make a payment. In addition, Lifetime Zhongyi (dividend-sharing type) also provides a wealth of value-added services. In addition to applying for policy loans, policy reductions, reduction settlements, premium advances, additional Xinyisuo universal accounts, etc., Lifetime Zhongyi (dividend-sharing type) also provides Eligible customers are equipped with high-quality medical and health care service resources, including professional services in five fields: telemedicine, psychological counselor, health care evaluator, nursing assistant and home remodeler, making customers' old age warm and calm.
Build a risk barrier to provide dual-engine protection for assets
Ms. Wang, a 34-year-old single elite, is a middle-level manager of a listed company, and her usual work is very busy. With an introverted personality, she likes to stay at home after work. Such a simple life of two points and one line makes her feel at ease, but also feels a little more "uncertain". One day when she was watching a drama at home, she was attracted by the big "'Guarantee + Dividend'" double protection" slogan, so she clicked on the "Life Life Life Insurance (Dividend Type)" sold by Wutongshu Insurance Brokers. )” video, Ms. Wang became very interested in the protection content of this product, so she contacted Wutongshu Insurance Broker Planner.
"I am an i person with few interests and hobbies, and I have some savings in my hands after working for so many years. I want to buy a guarantee for my future self, so that I can be more independent!" She said to the insurance planner of Wutongshu. After understanding Ms. Wang's insurance needs in detail, the Wutongshu insurance planner introduced to her the asset growth logic of Yiyi Zhongyi (dividend type). Starting from the second policy year, it will grow compounded at a fixed growth rate year by year; as a dividend-type whole life insurance, customers can continue to "grow" on the basis of the annual effective insurance amount divided by the compound growth rate at a fixed rate year by year according to the actual operating conditions of Generali China Life Insurance. "Seek progress while maintaining stability" and distribute policy dividends in the form of incremental dividends.
Wutongshu insurance planner arranged for Ms. Wang a life-long favorite (dividend type) insurance plan with annual payment of 200,000 yuan for 5 years. After calculation: when Ms. Wang is 40 years old, the current price of the policy has exceeded the premium paid. If With bonus benefits, Ms. Wang will overtake in the fifth year of the policy when she is 39 years old; at the age of 68, the current policy price is 2,019,500 yuan, which is twice the premium paid, and if there are bonus benefits, it will be three times; a healthy Wang When a lady reaches the age of 90, the current price of the policy is 3,421,712 yuan, which is 3 times more than the paid premium, and 6 times if there are bonus benefits.
At the same time, Wutongshu Insurance Planner also specially reminded Ms. Wang that the above dividend benefit demonstration is based on the actuarial and other assumptions of Generali China Life Insurance, and does not represent the company's historical operating performance, nor does it represent the company's future operating performance expectations. It is uncertain, and the actual dividends are distributed according to the company's announcement of the year. Ms. Wang was very satisfied with the protection plan and immediately decided to insure.
Underwriting insurance company is strong, backed by a big tree to enjoy the shade
After understanding the core advantages of Yisheng Zhongyi (dividend type), the editor will show you the underwriting company behind it——Zhongyi Life Insurance Co., Ltd. Founded in 2002, GCL is the first batch of Sino-foreign joint venture insurance companies approved to be established after China's accession to the WTO. The Chinese shareholder, CNPC Capital, as a professional company in the financial business management of CNPC, is a comprehensive financial business listed company with relatively complete financial licenses in the A-share market; It is in the leading position in the industry and ranked 72nd among the Fortune Global 500 in 2022. As of December 31, 2022, the company's registered capital is RMB 3.7 billion.
According to the dividend realization rate of past dividend products disclosed on the official website of Generali Life Insurance in 2022, the future dividend performance of Yiyi Zhongyi (dividend-sharing type) is also worth looking forward to. Provided strong support.
△Source: GCL official website
For young people who are in the early stages of career development, the allocation of Yiyi Zhongyi Whole Life Insurance (dividend type) can not only obtain personal protection and deal with unpredictable personal risks, but also accumulate certain assets for the future and get rid of the "moonlight family" attribute; for career Middle-aged people who have entered a stable period and have a stable income can help them resist life risks and reflect their love and responsibility for their families; An important part of home asset allocation.