China Ping An provides you with a high level of personal security. You save 6000 yuan every year, and the minimum guarantee risk that Ping An bears for you is 654.38+0.2 million. Think about it, if the risk occurs, it is equivalent to getting smaller and bigger. The initial life cost of Zhiying is calculated as follows: 50% in the first year, 25% in the second year, 65,438+05% in the third year, 65,438+00% in the fourth and fifth years, and 5% after the sixth year. If you continue to pay, there will be a holding reward from the third year, which is 2% of your annual premium.
Suppose you save 6,000 yuan a year, 10 years, that is, you save 60,000 yuan safely. According to the mid-range 4.5% income, the cash value is about 60,000 in the 10 year of the policy year. In other words, during the period of 10, the security provided by Ping An is almost free, and we all have the minimum personal security of120,000 until we are 100 years old. Moreover, with the passage of time, if it is not collected, this investment will continue to grow, and will basically double by the 20 th year of the policy year. After practicing for 20 years, the interest is higher and the old-age care is more secure! This money, if we don't move or accept it once, is a fortune. If it is collected by stages, it is a supplement to old-age care.
The significance of insurance is not to see how much packaging cost it deducts, but to see how much help it can give us when risks occur. It can be seen that you are actually very insurance conscious. I suggest you apply for a secure one-door account and upgrade it to advanced authority, so that you can better understand your interests.
In addition, the so-called 80% receivable part is aimed at the cash value, not the amount of your accumulated premium.
I hope my answer is helpful to you.