20 12.04.09
New wisdom of all-round and dual-power financial management
-Pacific Insurance innovative insurance wealth management product "Hongfa Annual Universal Fixed Investment Wealth Management Plan" was listed.
In recent years, the global economic structure has undergone drastic adjustment, and the wealth distribution effect has widened the gap between the rich and the poor. Inflation, employment pressure and an aging society all make the days of "waiting for retirement with wages" gone forever. "You don't manage money, and money ignores you." How to preserve the value of wealth in hands is the focus of common people's attention. China Pacific Insurance always pays attention to customer needs, and has long been committed to product development and leading the market. In order to give back to new and old customers, the company innovatively launched a new generation of insurance financing plan-Hongfa's annual all-round fixed investment financing plan. The plan combines the dual impetus of "annual income+annual dividend" and "monthly settlement with additional universal account" to obtain higher income for customers on the basis of ensuring asset safety. At the same time, the more humanized design and comprehensive service of the plan will bring customers a brand-new all-round financial management experience.
Hongfa annual universal fixed investment financial plan (hereinafter referred to as Hongfa annual) consists of Hongfa annual universal fixed investment annuity insurance (dividend type) and additional financial manager annuity insurance (universal type). Within a certain payment period, customers can enjoy "Hongfa Annual" lifelong expert financial management service by investing a fixed amount of premium every year. On the basis of "immediate payment", "annual payment", "annual dividend payment", "one-time repayment" and "lifetime payment", the plan has realized the age of prepayment and repayment of principal, and specially designed an additional wealth manager account, in which the survival fund and dividends can automatically enter the account to participate in investment settlement, and the monthly compound interest settlement allows the funds to continuously increase in value. In terms of humanized product design details, "Hongfa Niannian" also fully realized the "0 initial fee" and "0 management fee" of the additional account, which is equivalent to opening an additional financial manager account for customers free of charge. In addition to the second appreciation, customers can also pay the premium in advance through an additional wealth management manager account. Under certain circumstances, the premium can be paid by automatically extracting the value of the account, which on the one hand can preserve the value of the premium paid by the customer in advance, and on the other hand can make it easier to renew the insurance payment. The method of collecting the balance of the additional wealth housekeeper account is more flexible, and it can be withdrawn at any time or converted into an annuity. "Hongfa Year after Year" aims to bring customers a very intelligent, secure, flexible and intimate all-round financial management experience.
Double power, good luck.
"Bonus+omnipotence, dual engine of financial management". "Hongfa Year" has two market-leading driving forces to make money, namely "all-round fixed investment year power" for main insurance and "monthly power for wealth managers" for additional insurance. "Annual motivation" means that the premium of the main insurance is RMB 6,543,800+0,000. By investing in the premium regularly, you can get an annuity (that is, you can get 9% of the basic insurance amount every year) and a bonus (that is, you can participate in the company's dividend distribution every year). The first annuity can be obtained on the corresponding date of the effective date of the contract, and you can enjoy the benefits immediately without waiting. Welfare lottery and bonus can be collected for life. In addition, customers can choose to return the principal in one lump sum at the age of 60, 65, 70, 75 or 80, that is, they can get a birthday bonus equal to the total premium paid, and the principal can be returned in one lump sum at the earliest age of 60. "Monthly Motivation" means that if the customer is insured with "Additional Financial Manager Annuity Insurance (Universal)" at the same time, the blessings, birthdays and bonuses of the main insurance can automatically enter the additional financial manager's account and be settled with compound interest every month, so that the funds can continue to gain the kinetic energy of monthly settlement and the second appreciation, and the snowball of wealth will grow bigger and bigger. Dual-engine-driven design accelerates the operation frequency of wealth, allowing customers to further revitalize their wealth and enjoy higher returns while obtaining stable cash flow.
Opening an "account" is free and can save money wisely.
It is worth noting that the "additional financial manager annuity insurance (universal)" of this financial plan has achieved a breakthrough of "0 initial fee" and "0 management fee", which is equivalent to allowing customers to enjoy the functions and benefits brought by the additional financial manager account without increasing any fees. At the same time of "open source", we will further help customers "cut costs" and lock in wealth. In addition to the monthly compound interest settlement function, the additional wealth manager account can also support premium prepayment, which is especially suitable for private owners or customers with large installment income streams to invest in "annual macro-payment". This function can deposit the funds they used for regular investment into an additional wealth management manager's account in advance. When the value of the additional wealth manager account is sufficient, the company will automatically withdraw the account value to pay the renewal premium of the main insurance and other additional insurance, so that the funds used by customers for future premium payment will not be idle for a moment, thus achieving continuous preservation and appreciation, and further helping customers to waste funds unwisely.
Pay attention to emotions and care for life.
For a long time, Pacific Insurance has always adhered to the product concept of "four seasons of life, security and true happiness". The company's products not only help customers manage their finances, but also pay more attention to their emotions and lives. "Hongfa Year after Year" is not only to help customers make money, but also to help them carefully plan their life wealth. The "Year of Dissemination of Dharma" is suitable for parents to insure their children as a plan for future education funds and a guarantee for wealth inheritance. Taking children as the "annual bonus" insured, the premium is low, and it is easy to reserve the education reserve fund through the long-term accumulation and appreciation of funds. Buying "annual macro hair" for children can avoid premature exhaustion of wealth and easily create "pocket money for a lifetime" for children. "Hongfa Niannian" is also suitable as a tool for personal financial management. On the basis of capital security, it can enjoy considerable income for a long time, and it can also be exempted from possible inheritance tax, so that wealth can be preserved and lasting. The design of "Hongfa Year after Year" financial plan is an ideal tool for basic asset allocation, with the advantages of early return, lifelong payment, monthly settlement and intelligent financial management, which can create long-term and stable income for customers. For those who need retirement planning, "annual bonus" is an ideal tool for pension reserve. It can not only achieve targeted pension reserves, but also resist longevity risks. Through actuarial technology, the income and life span of pension are equal, and the longer you live, the more you get, and the more you will not be capped. It is an irreplaceable advantage of other financial instruments to realize wealth planning and wealth protection through "annual macro-development"
Comprehensive service, enjoy what you want.
The all-round experience brought to customers by "Hongfa Year" is not only a higher income, but also a more comfortable life-long financial service. Just like a private wealth manager, it is always ready for your various financial withdrawal needs. This "financial manager" can help you deduct the premium on your behalf, thus avoiding the trouble of paying the premium regularly every year. If you need to withdraw funds, you can always choose to withdraw in the company's business hall; For customers with pension income planning or regular fixed payment requirements, they can also choose to convert the balance of universal accounts into annuities, and the deceased beneficiaries can also convert the "Hongfa Annual" death insurance benefits into annuities. In addition, the "Hongfa Year" main insurance also has flexible liquidity. During the validity period of the contract, if you are in urgent need of capital turnover, you can easily get cash flow through the policy loan function, and you can also relieve unexpected liquidity pressure through the automatic premium payment function.
Product characteristics
1, make a fixed investment every year, receive goods every year, and make a wish to enjoy life every year.
The premium per share of the main insurance is 6,543,800 yuan, which is simple and clear. From the effective date of the contract, the customer can receive a bonus equivalent to 9% of the basic insurance amount every year, and the first bonus can be received after the contract takes effect, quickly and frequently. Customers enjoy a stable cash flow every year throughout their lives, easily meeting the needs of customers for long-term financial planning and daily financial arrangements.
2, premium refund, flexible and optional, and peace of mind for the old-age birthday.
In addition to receiving the blessing money every year, customers can also choose to receive the birthday money equal to the total premium paid at a specific age of 60, 65, 70, 75 or 80, and provide annuity conversion function, which not only ensures the safety of customers' funds, but also subsidizes the living expenses of the elderly and improves their quality of life in their later years.
3. Additional versatile and thoughtful design can expect higher account income.
Customers can choose to purchase additional wealth management manager annuity insurance (universal) (hereinafter referred to as "additional wealth management manager"). The blessings, birthdays and bonuses of the main insurance can be automatically entered into the additional universal account with zero deduction, and the monthly compound interest settlement is expected to obtain higher account income. If the value of the additional wealth manager account is sufficient, the renewal premium of the main insurance and other additional insurance can be automatically withdrawn and paid, thus avoiding customers' worries about renewal payment.
4. Pay attention to protection, care for life and show thoughtful humanistic care.
Once insured, customers will have lifelong value protection, which can not only ensure the safety of customers' capital gains, but also prevent the risk of death and show thoughtful and comprehensive humanistic care.
5. Dividends and compound interest, resist inflation and share professional operating results.
The company determines the dividend plan according to the business operation status of dividend insurance every year, and customers can share the results of the company's professional operation every year. Dividends can be kept in the company's dividend accumulation interest-bearing account or entered into the account of additional financial manager (if additional financial manager is selected at the same time), so as to enjoy the accumulated income of compound interest and help customers resist inflation.
Insurance example
Mr. Chen, the department manager of a large state-owned enterprise, insured two copies of "Hongfa Annual Universal Fixed Investment Annuity Insurance (Dividend Type)" and "Additional Financial Manager Annuity Insurance (Universal Type)" for his son, and chose to receive a birthday bonus at the age of 60, with an annual premium of 20,000 yuan, with a basic insurance amount of 30,730 yuan, as well as a blessing bonus and a birthday bonus.
The benefits of this policy are as follows:
1. Welfare expenses: From the effective date of the contract and every corresponding day after the effective date of the contract, Chen Beibei can receive 2766 yuan of welfare expenses every year until his life.
2. Birthday bonus: Chen Beibei can get a birthday bonus of 200,000 yuan when he is 60 years old, which is equivalent to the sum of his insurance premiums.
3. Dividends: During the validity period of the policy, you can participate in the company's dividends. Dividend distribution is uncertain.
4. The above-mentioned blessing money, birthday money and Li Hong automatically enter the account of additional insurance wealth management manager to participate in investment settlement and continue to increase in value. The forecast data of account value are as follows:
60 years old: 39673 15 yuan is under the high-level bonus level and high-level general income; 1644433 yuan under the mid-range dividend level and mid-range general income; The low-grade dividend level and low-grade general income are 490,883 yuan.
80 years old: 13579580 yuan under the high-grade bonus level and high-grade universal income; Under the intermediate dividend level and intermediate general income, it is 458825 1 yuan; The low-grade bonus level and low-grade general income are 12 13352 yuan.
5. Death or total disability insurance
Main insurance: before the age of 60, pay according to the greater of the total amount of insurance premiums paid and the cash value; After the age of 60, it will be paid in cash.
Attached risk: Pay according to the value of the policy account.
(The benefit demonstration is based on the actuarial and other assumptions of the company, and does not represent the company's historical operating performance, nor does it represent the expectation of the company's future operating performance. The dividend of dividend insurance is uncertain, and the settlement interest rate of universal insurance exceeds the minimum guaranteed interest rate. )