How to buy pension annuity insurance, Zhonghong Insurance plans for you
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The seventh national census data shows that the aging process in my country has accelerated significantly. The number of elderly people aged 60 and over reached 264.02 million, accounting for 18.7% of the total population; the population aged 65 and over has exceeded 190 million, accounting for 1.35% %, far exceeding the 7% aging social limit, and is rapidly entering the 14% deep aging range. According to World Bank estimates, by 2050, the proportion of Chinese people aged 65 and over will reach 27.4%, surpassing Japan to become one of the countries with the most aging population in the world.
A severe aging challenge is coming. If we retire, our income will inevitably drop, but we need money for daily expenses, medical problems and nursing problems brought about by old age. If you only rely on your own savings, social security, etc., it is basically impossible to guarantee that you will not worry about old age. Adding an endowment insurance is very important for your future retirement life. Coincidentally, some time ago, Zhonghong Insurance designed a good start product for 2023-Zhonghong Hengying Family Manulife Insurance Product Plan, which has five innovative core advantages:
Definite benefits, no fear of risks. In order to better meet the needs of Chinese people for stable asset allocation, “Hengying Family” adopts the method of determining the payment of survival annuities and maturity insurance benefits, so that assets can increase steadily without fear of changes in the economic environment, bringing more reliable life to individuals and families. asset protection.
2. Universal account, stable value-added. Zhonghong Hengying Family Manulife Insurance Product Plan draws on the advantages of traditional annuity insurance products and universal insurance products. Policyholders can agree to transfer the survival annuity and maturity insurance benefits of Zhonghong Hengying Family Annuity Insurance to the universal account to enjoy compound interest calculations , to meet the wealth planning needs of different groups of people, so as to realize the long-term steady appreciation of funds.
3. It can be raised and passed down from generation to generation. “Hengying Family” allows the policyholder to accumulate the value of the policy account in the universal account with compound interest without claiming it, and enjoy medium and long-term steady value-added, which can be left to future generations in the future, and the assets are safely and securely passed on.
4. With both medical care and nursing care, the evening scene is worry-free. Flexible product configuration is another advantage of “Hengying Family”. While carrying out pension and wealth planning, policyholders can purchase million-dollar medical insurance and high-end medical insurance to build a double line of defense for health and wealth, and enjoy retirement; they can also be matched with high-amount term life insurance protection, so that they can worry-free after working hard in their careers and ensure the quality of life for their families. .
Five, the old and the young can be insured, and the whole family can be insured. “Hengying Family” has a wider insurance age. Whether it is a baby on the day of birth or an 80-year-old elderly, you can easily apply for insurance without a medical examination or health notification, and enjoy a century-old life in peace.
Zhonghong Hengying Family Manulife Insurance Product Plan helps to solve the rigid needs of the middle-class population for future family cash flow planning and retirement, allowing you to easily realize the blueprint for a better life in your later years!
Note:
This product plan consists of Zhonghong Hengying Family Annuity Insurance (referred to as “Hengying Family”) and Zhonghong Manulife Premium Whole Life Insurance (Universal Type) (referred to as “Manulife Premium”).
This product plan can be combined flexibly, and you can associate or not associate universal whole life insurance according to your own needs.
“Manulife Premium Edition”For universal insurance, the part where the settlement rate exceeds the minimum guaranteed rate is uncertain.
The content of this document is for reference only. The specific insurance liability, liability exemption, surrender fee and other details are subject to the terms of the insurance contract.
Insurance companies shall not sell non-insurance financial products in violation of regulations, and shall not participate in illegal fundraising.
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