Data: A 30-year-old male chooses "Health Treasure" universal insurance, with a planned total investment of 6,543.8+0,000 yuan and a basic insurance coverage of 6,543.8+0,000 yuan, mainly to demonstrate the investment value of "Health Treasure". Scheme 1: continuous payment for 5 years, with an annual premium of 200,000 yuan and a total investment of 6,543,800 yuan. Scheme 2: continuous payment 10 year, annual premium 10 million yuan, and total investment 10 million yuan. During the insurance period, the insurance benefits are: 0, 2 or 3 times the sum of 65438+ 1 10,000 yuan nursing/death insurance (basic insurance amount)+"personal account value". The personal account value is summarized as follows: the annual personal account value of the age total premium policy (after deducting all expenses) the yield of PICC life health universal insurance in May 2008 was 5.8%, much higher than 4.5% and close to 6%. The settlement interest rate is low, and the settlement interest rate is high (the guaranteed interest rate is 2.5%) (calculated by 4.5%) (calculated by 6.0%). Scheme I, Scheme II, Scheme II, 35 Weekends1047751621792/kloc-. 7048 1840 weekend 1 10,0001851761344 491420 270129 737/. +0000013406041283123177582019382192987193765438+88. Kloc-0/935167185154834674753155365364771weekend of 20651million 2/Kloc- Weekend of 2637964969 1 ten thousand 239709229238351682934715741688388091690 (interest rate of PICC health universal wealth management products, matters not covered, Scheme 2: continuous payment 10 year, annual premium 10000 yuan and total investment 10000 yuan. During the insurance period, the insurance premium is: 65,438+000,000 yuan (basic insurance premium)+"personal account value". Summary of personal account value is as follows: Summary of insurance benefits Description: Total annual insurance premium accumulated at the end of the policy year, personal account value PICC PICC PICC PICC. The settlement interest rate is low, and the settlement interest rate is high (guaranteed interest rate is 2.5%) (calculated by 4.5%) (calculated by 6.0%). Scheme I, Scheme II, Scheme II 10/0/8618316544. 984681628387143875220 years old151993612003+43875.2004000506 Among them, "low settlement interest rate" refers to the minimum guaranteed annual interest rate of China PICC of 2.5%; "Intermediate settlement interest rate" and "high settlement interest rate" refer to the amount that customers can get after deducting all fees when the monthly settlement interest rate of PICC health universal insurance is 4.5% and 6% respectively. 3. Disability health care/death insurance: refers to the sum of the basic insurance amount of 6,543,800 yuan and the value of personal account, which is twice the sum of the above two if it is due to waterway traffic accidents, and twice the sum if it is due to aviation. "Health Treasure" universal insurance features: 1, one insurance policy, one insurance policy for thousands of people, which can be used as children's education fund, marriage fund, venture capital, medical reserve and pension reserve. 2, an insurance, although it is a guarantee for children, but in the future, it can also be transformed into the relevant protection of parents or other members. 3. Deferred payment and supplementary payment are flexible and convenient. You can choose the payment period at will, such as 5 years, 10 years, 15 years, 20 years, 25 years, 30 years, etc. You can also postpone the payment of premiums when the future income changes, and continue to pay premiums after three to five years or more; It can also be one or more additional premiums. 4. The insurance amount is adjusted to meet the demand. Under certain conditions, the insurance amount can be selected and adjusted at any time, which not only meets the different protection needs of the insured at different ages, but also meets the needs of investors to maximize their investment income. 5. Avoidance of tax debts and transfer of assets According to relevant laws and regulations, insurance benefits are exempt from income tax, and insurance benefits are exclusive, even creditors have no right to claim. 6, compulsory savings, to ensure comprehensive bank savings because of convenient access, for many people, often can not save money. This kind of insurance not only has the characteristics of compulsory savings in the early stage of insurance products, but also has the advantage of flexible withdrawal in the later stage. At the same time, it can also resist inflation and obtain higher investment income. It is one of the most ideal financial products for people! 7. Low cost and more advantages As a medium-and long-term investment product, this insurance has extremely low cost and is more competitive than other insurance or investment products (the expenses listed in the above table have been deducted). 8, firm commitment, the Cape of Good Hope has a commitment to break even (2.5%), which is more secure;
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.