User question:Both belong to the pension insurance products, insurance, and for some reason, I do not specify the name of a specific insurance company name and the insurance, I would like to ask the same industry tasting these two products. A (Dividend insurance) Basic Information Note: the insured age 32 years, the amount 120,000 yuan (Contributions provided free of charge during the company from 30% of insured amount), the annual premium paid 3,900 yuan, paid up to 60 years old only, 60 years old began to receive pensions (or select a one-time extract all the policy benefits) (Note: Total Contributions 124,800 yuan, and can extract 332,431 yuan, Note: In order to ensure payment of which 204,865.), select the option to receive guaranteed pension for 10 years and does not guarantee 10 annual payments to. (Note: The cash value at that time in order to extract the fixed annuity means the amount of monthly pension). The cash value of the policy cash value of accrued dividends basic total amount of compensation 1 - 73 73 156,073 2 - 226 226 156,226 3,270,467,737 156,467 4,606,805 1,411 156,805 5 1,082 1,249 2,331 157,249 6 1,708 1,809 3,518 157,809 7 2,499 2,497 4,997 158,497 8 3,466 3,323 6,790 159,323 9 4,623 4,299 8,923 160,299 10 5,985 5,440 11,426 161,440 11 7,568 7,240 14,808 163,240 12 9,388 9,259 18,648 165,259 13 11,466 11,517 22,983 167,517 14 13,818 14,031 27,849 170,031 15 16,466 16,823 33,290 172,823 16 19,435 19,915 39,350 175,915 17 22,748 23,329 46,078 179,329 18 26,431 27,092 53,523 183,092 19 30,512 31,229 61,741 187,229 20 35,024 35,770 70,795 191,770 Age 55 73,256 75,871 149,127 231,871 60 24,865 127,566 332,431 463,566 65 32,890 173,903 442,047 529,156 70 342,049 235,569 585,084 663,035 B (non-participating insurance) Basic Information Note: the insured age 25 years of age, the amount 10,000 yuan and the return of the premiums (Contributions provided free of charge during the period the amount of accident insurance, disability insurance, etc.), 60 years old before it double to protect and return of the premiums. 650 yuan annual premium for 20 years paid, 55 years old and began collecting his pension, the first year, 1,000 yuan, 50 yuan increase each year. ) (Note: Total Contributions 13,000). Year-end cash value policies pay the insured amount Qing 1,204,356,256,794,531,044 16614 1551235552088 30256275138027 3454455484198 5,280,949,586,981,105,817 6656 1,166,977,310,127,626 7,939,138,609,854,814 9,646,913,515,107,419,702 2,017,202,252,168,030 2739535 98,934,011,432 A : Total Contributions 124.8 thousand yuan, 60 years old can receive a one-time 33.2431 million, of which 20.4865 million to guarantee payment of the remainder as dividends, and (until now about 5 years, the dividend is in line with demo data). Security situation: 60 years ago more than 150,000 points, 60 years -100 years old 12 . B: Total Contributions 13,000 yuan, 1,000 yuan and began collecting 55 years of age, after an annual increase of 50 yuan. Security situation: 60 years old the first 2 million or premiums paid, and 45 years of age before 10 thousand yuan accidental disability protection, 60 years after the premiums paid by 10,000 yuan.
Experts answer:1, and if so to understand the words: case B is a copy, need 10 copies of 130,000 of the total pay the fee before they get on top of a standard, as the premise for 28 years to pay A and B to pay 20 years. 2, a product if the lump sum, if I estimate that around 330,000 with mid-range bonus, Paul at the end of 200,000 or so, select the recipients of 20 years, then the annual average of 1.5 million, if the balance continues to participate in dividends, is even higher. (Select 10 years, then one has little importance, but the pre-receive more. B products, security at the end of each year is 1 million, after an annual increase of 500 (according the proportion of this deduction if they are not accurate, specific provisions for the Quasi-), in other words 10 years to reach 15000 standard. assumes that 500 is the calendar year fixed dividend, then the relative A way of dividend, an annual compound interest, and dividends can be expected of, the person thought to be inferior to B point. 3 the individual is not very fond of B-type products such as bundled security, simply, separately purchased accident insurance or medical insurance, more specialized protective, not to mention a few decades this refund premiums, personally believe, only chew head only. (Moreover, the accident to protect the interests of certain companies to a year before taking effect, one could only refund, it is really funny) 4, In general, I think the former to be more suitable for old-age pensions prepared. above is limited to current information and personal recommendations are welcome to discuss and exchange. *** B estimates are Kunihisa pines and cypresses pension annuity insurance annuity conversion; A good estimate, because it is according to calculate the lump sum, and there is no way from the collar approach to identify the year, but the reference to dividends over the past five years, demonstrate that it is about 03 products, a safe and love life, or evergreen? or something else? ***

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