Hou Yuansheng's PICC PICC Health "Health Treasure" Investment Benefit Demonstration (Hou Yuansheng, Qingdao
Information: 30-year-old male, choose "Health Treasure" universal life insurance, plan to invest a total of 1 million yuan, the basic amount of coverage to select 100,000, mainly focusing on demonstrating the investment value of "Health Treasure". Option 1: 5 years of continuous premium payment, annual premium of 200,000 RMB, total investment of 1 million RMB. Option 2: 10 years of continuous premiums, annual premiums of 100,000 yuan, a total investment of 1 million yuan. The insurance benefits during the insurance period are: 100,000 RMB nursing care/death insurance benefit (basic sum assured) + 1, 2 or 3 times of the sum of "individual account value". The summary table of individual account value is as follows: Age Total Premium Policy Year Individual Account Value (after all expenses) PICC PICC Health Universal Life Insurance yielded 5.8% in May 2008, much higher than 4.5% and close to 6%. 11851761134449142027012973711627216143758145Weekend 1 million 13406041283123177582016219382192987193711450Weekend 1 million 15160031450872222008020274282955220261002955Weekend 1 million 17136251639827277510225339103982313351662660Weekend 1 million 19351671851548346747531655155365364473712065 Week-end 1 million 21816922086939432995239518677227332637964969 Week-end 1 million 239709922923835168293471574191688388091690 (PICC Health Universal Wealth Management product interest rates please see, unspecified matters please contact Hou Yuan Province) ---- ---------- ---------- ---------- --If the children (0 years old, boys, for example) as "Health Treasure" universal insurance insured, still choose to invest a total of 1 million yuan, the basic coverage of 100,000, mainly focusing on the demonstration of "Health Treasure" investment value. The main focus is to demonstrate the investment value of "Health Treasure". Option 1: Pay premiums for 5 consecutive years, pay premiums of 200,000 RMB per year, with a total investment of 1,000,000 RMB. Option 2: 10 consecutive years of premiums, annual premiums of 100,000 yuan, a total investment of 1 million yuan of insurance benefits during the insurance period: 100,000 yuan of death benefit (the basic amount of insurance) + "personal account value" personal account value of the summary table is as follows: Summary Table of Insurance Benefits Explanation: policy year total premiums accumulated at the end of the policy year the value of the personal account PICC PICC Health Universal Life Insurance yielded 5.8% in May 2008, much higher than 4.5% and close to 6%. 15199361454805222469020320372960452261526130 years old 1 million 19479341864315348308931811295383836475559240 years old 1 million 24970382389674545553649821939795324865174050 years old 1 million 3200156306231585445917802684178206141573930260 years old 1 million 409767339206921338200712219017324255352863694869 years old 1 million 5104833488321820024933182821535555547449060856 (PICC Health Universal Wealth Management products interest rates please see, unspecified matters please contact Hou Yuan Province) 1, The above is only a summary table, customers can get the detailed data of each policy year from PICC Health's agent before deciding to apply for the policy. 2. The data listed in "Individual Account Value" is the amount of money that can be freely collected by the customer at the end of the policy year. 3. The "low settlement interest rate" refers to PICC's minimum guaranteed interest rate of 2.5% per annum; the "medium settlement interest rate" and "high settlement interest rate" assume that the monthly settlement interest rate of PICC Health Universal Life Insurance will be converted into annual interest respectively. The "Medium Settlement Interest Rate" and "High Settlement Interest Rate" are the amount that the customer can receive after deducting all the expenses if the monthly settlement interest rate of PICC Health Universal Life Insurance is 4.5% and 6% per annum respectively. 3. Incapacity Nursing Care/Death Benefit: It refers to the sum of the basic insured amount of 100,000 RMB and the value of the personal account, or two times of the sum of the above two in the case of waterway transportation accidents, or three times of the sum of the above in the case of aviation accidents. Features of "Health Treasure" Universal Insurance: 1. One policy, thousands of protection One policy can be used as children's education, marriage and business start-up funds, as well as medical reserves, pension reserves, etc. 2. One insurance, thousands of transformations Although it is a protection purchased for the children, it can be transformed into relevant protection for the parents or other members in times of urgent need in the future. 3. 3, slow payment of additional, flexible and convenient can choose any payment period, such as 5 years, 10 years, 15 years, 20 years, 25 years, 30 years of premiums, etc.; but also in the future changes in income to slow down the payment of premiums, and then continue to make up for the premiums after three to five years or a longer period of time; can also be one or more times to increase the premiums. 4, the amount of adjustment to meet the needs of the scope of a certain condition, you can choose at any time, arbitrary, adjustment Under certain scope and conditions, you can choose and adjust the insurance amount at any time and at will, i.e., to meet the different protection needs of insured people of different age groups, and also to meet the needs of investors in pursuit of maximization of investment returns.5. Avoiding tax debts and transferring assetsAccording to the relevant laws, insurance benefits are exempted from income tax, and the insurance benefits have the exclusivity that even creditors do not have the right to claim them.6. Compulsory savings, comprehensive protectionBank savings are too convenient for many people to access, and they are also too difficult for many people to access, and they have to pay the premium. Access is too convenient, for many people, often can not save money. This insurance 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, and at the same time, there is the possibility of inflation and achieve higher investment returns, is one of the most ideal financial products! 7, low fees, more advantageous as a medium- to long-term investment products, this insurance is very low cost, and other insurance or investment products more competitive than (listed in the table above has been deducted from all the expenses) 8, firm commitment
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