There is a very important matter, and a lot of friends came to ask about it backstage, so I have to talk about it separately.
As mentioned a few days ago, it is clear that all insurance products priced at 3.5% will be withdrawn from the market before July 31, and the window period for picking up leaks is about to close.
We have also received news from dozens of insurance companies arranging for their products to be removed from the shelves.
The last time the insurance industry had such a large-scale scheduled interest rate adjustment was in 2013. A full 10 years have passed, which shows how big the change is this time.
But some people may ask, what does this have to do with us? It would be an exaggeration to say it affects everyone, but it does affect most people.
Because most people have the need to configure this long-term stable product, some people may simply not realize it.
For example, as long as you have children, you must prepare a sum of money to prevent uncertain risks. Regardless of whether you are married and have children, you will definitely grow old, and pension is a rigid expenditure.
Even if we don’t want to think about such a long term, the step-by-step reduction in deposit and other interest rates is forcing us to find a place that is safe enough, has good returns, and will not keep falling.
After all, you could buy a 5% bank deposit a few years ago, can you still buy it now? The probability is less than 3%.
Savings insurance in insurance is the product we can find today that offers more money and better meets these needs, and you will be hard-pressed to find something more suitable than them.
I remember that in the past two or three years, I also introduced products priced at 4.025%. The group of people who bought them at the beginning will still be able to lock in a long-term compound interest rate of about 4% in the future. What you bought is really worth it, and it will become more and more delicious in the future. .
Now history is happening again. Savings insurance priced at 3.5% will be collectively sold out at the end of July. Starting in August, the maximum price will be only 3%.
And it's true that things are different now. In the past, it didn’t matter if a certain good product was sold out. There were other products available, and the gap wasn’t so big. Once July passes, all the good old products will disappear, and the income from new products will be cut off directly. For the same investment, you will even get more than 20% or 30% less money.
I have made a comparison for you before. A 30-year-old boy buys an extended life insurance and pays 50,000 per year for 10 years. For a 3% new product, he will get 210,000 less in the 30th year and 600,000 less in 50 years.
Recently, I saw information on annuity insurance priced at 3%. Under the same conditions, a good product priced at 3.5% will get a pension of 140,000 per year, while one at 3% will only get less than 100,000, which is a difference of more than 40,000 per year. , a direct decrease of more than 800,000 in 20 years. The gap is so exaggerated.
What everyone needs to know is that the products you can buy now are likely to be the best in the next few decades. If we fall behind at this juncture, it will be a huge loss.
Therefore, even if everyone talks about cocoons, I would like to remind everyone that if necessary, you must take advantage of the last few days to get on the bus.
For those who are novices in financial management, or who are unable to save money and want to prepare education funds and flexible pensions, it is recommended that you give priority to the Jinshengsheng Collector's Edition incremental whole life insurance.
There are many products priced at 3.5%, but the money paid for each one is different. Just like a house, the actual housing acquisition rate is also different with the same capital area.
The Jinshengyi Collector's Edition is now a leading product, with long-term compound interest up to 3.47%.
A 30-year-old male pays in 10 years. In the 10th year, the simple interest can reach 3.28%, and in 20 years, the simple interest can reach 4.51%. In 30 years, the compound interest is 3.43%, and the simple interest is 5.51%. In the long run, it is better than deposits. fragrant.
In addition to its high income, it also has two points that are particularly suitable for us professionals:
1. It’s safe enough and you don’t have to worry about it. Just pay the money at the right time every year, and the money (cash value) in the policy will automatically increase in value. We don’t have to pay attention to it while going to work, and it can also help us save money with self-discipline. Moreover, the amount of money each year is guaranteed to remain unchanged and is directly written into the contract, making it very safe.
2. It supports on-demand withdrawal, which is more convenient. You can withdraw it whenever you want to travel or if you need money urgently in life. The money you have not withdrawn will continue to increase in value. In the future, it will be more and more difficult to find financial management with high returns. If you have it, you don’t have to worry. It can increase in value as long as you want, up to a lifetime. If the person dies in the middle, you will lose the money to your family.
Of course, if you like a dedicated pension and want to start receiving stable money for a lifetime after retirement, you can also consider the pension enjoyed by Xinyou. I won’t go into details here, but you can ask a consultant to introduce it.
Finally, I would like to remind you that these two products are expected to be released on July 31 at the latest . Please note that this is the latest. The possibility of advance cannot be ruled out. After all, Guangming Huixuan had conducted a surprise attack before, and only gave a few hours from the time of notification to the removal of the product.
There are only 5 days left, and now it is the final stage of a fierce race against time.
If you can catch up, you're really lucky, because every time this time comes, the key is hand speed.
Nowadays, we receive a lot of news about product changes every day.
For us, it also takes time to make calculations and understand the product. If we are sure to buy it, we have to apply for a dedicated insurance channel, prepare documents, etc. Time is really tight.
Therefore, it is best not to delay or gather together in the last 2 or 3 days, as the risk is very high. At this time in the past, there would be so many people squeezing in at once, and the system could easily crash and become uninsurable.
Moreover, the purchase requires the assistance of a consultant. The number of consultations has skyrocketed. It will be very explosive in the last two days, and we may not be able to assist you in time.
Make an appointment an hour in advance to increase your chances of getting on the bus. I have found a special channel for priority consultation. Click below for quick consultation:
The consultant will contact you via a landline, which may be a local landline or a number starting with 0755. Be careful to answer the call. During the configuration process, you may also be asked for some basic information, and everyone will actively cooperate with you.
Of course, some people have also asked, if I buy an old product now, will it still be effective after the product is gone?
This is too much to worry about. The policy is valid according to the contract at the time of purchase and has nothing to do with delisting. In the future, payment and value-added will still be normal.
This is why I suggest you take advantage of the last few days to catch up. The golden window that comes only once in 10 years is really hard to come by again. Don’t wait until it passes before you regret it. Give yourself a chance to understand.