Enjoy the stable value-added in one stop with the Exclusive Family Plan
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Recently, Taikang Life’s exclusive dual-account insurance product plan (hereinafter referred to as“Exclusive Family Dual Account” or “the plan”) is now on the market. This product with stable value-added features has been highly favored since its launch.
Long life“Encountering” the era of low interest rates, the “Exclusive Family Dual Account Insurance Product Plan” was born in response to the times. It is not afraid of economic fluctuations and can not only provide customers with free3%The effective sum assured increases and2%The stable policy benefits brought by the guaranteed interest settlement of the insurance universal account can also provide floating income higher than the guaranteed interest settlement of the universal account, achieving the perfect combination of capital security, liquidity and value-added, and effectively realizing life goals such as wealth appreciation and inheritance. , while sharing Taikang investment dividends, becoming the best choice for family wealth management and life planning.
Enjoy stable added value in one stop
A new tool for family wealth management
“Exclusive Family Dual Account” is based on family wealth management to ensure value-added needs, and takes the highly respected stable value-added strategy as the starting point, configured with “Taikang Exclusive Family (increased version)”2023Whole life insurance” as the basis,Cancombine“Taikang Futai2.0Whole Life Insurance (Universal Type)” or “Taikang Jufu Group Whole Life Insurance (Universal Type)” combines Taikang’s excellent investment capabilities to help customers achieve the goal of steady wealth appreciation in the era of low interest rates.
Main insurance“The president will grow”, both guarantee and value-added will increase. “Exclusive Family (Extended Edition)”2023“It is a whole life insurance that will “grow up”. The longer you hold it, the higher the corresponding effective insurance amount. The product adds the “double insured” insurance feature, allowing personal and family wealth to be protected and increased for a longer period of time. .The annual effective insurance amount is based on3%Written into the contract year by year,The policy benefits are guaranteed to be more certain, and the flexible addition and subtraction function helps customers realize long-term planning and short-term capital needs.
Share investment dividends, and the universal account highlights wealth management functions. The universal account has four major functions: wealth management, withdrawal by appointment, protection function, and premium offset. It is flexible in addition and withdrawal. It is a long-term, flexible and stable wealth management tool for customers.“Taikang Futai2.0Whole life insurance (universal type)” with2%The insurance universal account guarantees minimum interest payments and helps customers lock in long-term income under the expectation of long-term low interest rates.In addition, it can also provide floating income higher than the guaranteed interest balance of the universal account.ofEarn excess returns on a basic basis.
Realize the pooling of family funds, one person is insured, and the whole family shares it.For eligible whole-family insured customers, you can also choose to configure an inclusive universal account.——”Taikang Jufu Group Whole Life Insurance (Universal Type)”. This is a universal account set up for family groups. One person is insured and the whole family shares it. Interest is calculated daily and compounded monthly, and there is an annual guarantee. Funds can be established at a low cost to establish a family account. Family members can each have sub-accounts, which can be flexibly allocated by the policy holder to the personal accounts of family members and provide value protection, achieving independent or flexible management and intergenerational inheritance of family wealth.Account guaranteed interest settlement2%It is written into the contract that the actual settlement interest rate in each policy year will not be lower than the minimum guaranteed interest rate.2023Year8solstice9Monthly annualized settlement interest rate3.9%.
The era of sound investment
Certainty financial management products are popular
As interest rates continue to decline, medium- and long-term deposit rates have recently entered the“2 Times.” The Lancet published an article predicting,2035my country’s average life expectancy will reach81.3age. Looking at the wealth management market, value-added stable products have become a must-have underlying configuration for individuals and families because the longer the investment period, the more significant the investment returns. The powerful combination of insurance certainty and stable value-added consolidates the “Exclusive Family Dual Account”ofValue basis.
The plan3%The effective sum assured increases and2%The guaranteed minimum interest settlement of the universal insurance account is written into the insurance contract. Insurance interests (terms and current price list), and the minimum guaranteed interest rate of the universal account are clearly written into the contract to ensure the certainty of the value stated in the contract.Two major determinations can be achieved through this plan: the predetermined rate of return level is determined, and the3%The effective insured amount is increased incrementally; financial management channels are confirmed, and future funds can be added to the universal account for life-long circulation to safely increase in value.
From the perspective of long-term family planning, this plan can help customers achieve financial security and steady appreciation. By using insurance tools to plan large family capital expenditures, consumers can calmly cope with capital needs such as children’s education and youth entrepreneurship, and scientifically plan pension expenditures for adults and elders. At the same time, this plan can use the flexibility of increasing and decreasing premiums of additional life insurance and universal accounts to meet the family’s emergencies and solve the liquidity problem of long-term financial management funds.
Healthy Ecological Escort
Taikang Lvtong protects quality life
In order to meet customers’ growing needs for diversified health services,“Exclusive Family Dual Account” focuses on the needs of customers and families, connects with Taikang Green Pass services, and links high-quality health services with insurance payment for individuals and families.
2023In 2019, Taikang Lvtong’s service resources were further upgraded, and its “five links” services were more complete to fully meet the health and medical needs of customers throughout their life cycle.2023In 2019, Taikang Lvtong integrated internal and external resources of Taikang Great Health Ecosystem, and the “five links” service gradually integrated the entire process. Taikang Life continues to improve the “five-way” service combination of online Green Pass, outpatient Green Pass, critical illness Green Pass, special treatment direct access, and Boao direct access, making medical treatment more convenient, recovery from serious illnesses, special treatment more popular, and customers enjoying special medicines .Up to now, Taikang Critical Illness Green Pass has covered31provinces1500Yujia tertiary hospitals, including80000More than 100 selected experts cover the authoritative medical resources of the top 100 hospitals in the country.
Taikang Advance“Health insurance+health services+The “ecological” health closed loop provides continuous and strong support for the continuous upgrading of health services such as Taikang Green Pass. Looking at the new era of life insurance, Taikang Life will continue to meet customers’ full life cycle insurance protection needs, allowing insurance to build links and services to benefit thousands of households.
risk warning:
1. Historical returns are for reference only and do not represent a commitment to future returns. The returns above the minimum guaranteed interest rate of the Universal Account are uncertain.
2. 3% refers to the increasing proportion of the effective insurance amount and does not represent the actual income of the customer; the effective insurance amount in the first policy year of the contract is equal to the basic insurance amount of this contract, and the effective insurance amount in the second and subsequent policy years is the previous one. 1.03 times the effective insurance amount in the policy year.
3. If “double insured persons” purchase generation-skipping insurance for minors, they need to meet legal and relevant regulatory requirements.
4. Reducible insurance means that within the validity period of this contract, you can apply for insurance reduction after the hesitation period, reduce the basic insurance amount, effective insurance amount and insurance premium in proportion, and receive the cash value corresponding to the reduction in the basic insurance amount. The sum of the cumulative reductions in the basic insurance amount applied for in the same policy year shall not exceed 20% of the basic insurance amount when this contract takes effect. Insurance products focus on protecting the long-term interests of customers. Therefore, reducing insurance in the early stage may cause certain losses, and after the insurance is reduced, both the basic insurance amount and the effective insurance amount will be reduced. The product is essentially a lifetime insurance with death protection function. Life insurance provides lifelong protection. Insurance reduction is an additional function of the product. Please plan and use it reasonably. In addition, insurance reduction must be carried out in accordance with the conditions specified in the terms. The terms shall prevail.
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