How is the protection of Funde Life Monopoly 3.0 annuity insurance? Is the return performance good?

Nowadays, there are few high-yield pension annuity insurance products on the market, and many people lament that it is too difficult to buy a pension annuity!
 
Fude Life Insurance ‘s Monopoly 3.0 comes at the right time. Not only does it offer high returns, but it also allows one to start receiving pensions as early as the age of 40 , which is much earlier than most products on the market.
 
This is indeed a very good choice for those who are eager to enjoy retirement life as soon as possible. Friends who have long-term investment and financial management and want to obtain stable cash flow through annuity insurance should not miss it ~
 
Next, let’s take a look at the protection of Fude Life Monopoly 3.0 annuity insurance and its performance.
 
SEO insurance consultant (annuity, increasing life insurance) 2
 
 
1. What is the protection of 3.0 annuity insurance?
 
Before introducing the product, let us first learn about the underwriting company of this product – Fude Life Insurance. This insurance company has total assets of over 510 billion yuan, 35 branches, more than 1,000 branches and service outlets across the country.
 
Not only does its premium scale market ranking remain consistently in the top ten in the industry, it has also been selected as one of the ” Top 500 Asian Brands ” twelve times, and has won many honors such as “Top Ten Most Credible Brands in Asia”.
 
It can be said to be a real big insurance brand with excellent investment return ability and solvency, and it is very reliable!
 
Next, let’s talk about this product. The basic protection of Fude Life Insurance Monopoly 3.0 Annuity Insurance is as follows:
 
Fude Monopoly 3.0 Annuity Insurance 1
 
The insurance threshold for Fude Life Monopoly 3.0 Annuity Insurance is as low as 1,000 yuan. It can be paid in installments or in a lump sum. There is no need to declare a health condition. Basically, you can take out the insurance as long as you meet the age requirements.
 
The payment time is also flexible, including 40/45/50/55/60/65 years old. Most pension annuities on the market support payment between the ages of 55 and 65. Monopoly 3.0 will advance the payment age by 20 years, which can really meet the needs of those who want to retire early.
 
As an annuity insurance product, the protection function of Monopoly 3.0 Annuity Insurance is mainly reflected in the annuity collection.
 
 
 
 
In terms of the payment method, this product has two versions to choose from: lifetime payment and periodic payment:
 
① The lifelong benefit version means that as long as the insured survives, he or she can continue to enjoy pension benefits;
 
② The regular payment version provides coverage until age 80 .
 
 
If the insured dies or becomes totally disabled during the insurance period, the insurance money will be paid according to the contract. The specific amount of payment will be determined according to the insured’s age and the time of death / total disability.
 
In addition, the Monopoly 3.0 Annuity Insurance product also supports the functions of adding and subtracting insurance and policy loans, and these are clearly written into the contract terms.
 
Fude Life Monopoly
 
We can adjust the insurance policy at any time according to our needs, realize the flexible allocation of funds, and meet their financial needs at different stages. At the same time, we can also use the insurance policy to take out a loan to solve short-term funding needs.
 
However, it should be noted that only policyholders who choose the lump-sum payment method can add insurance, and adding insurance must also follow certain rules and restrictions.
 
 
 
 
2. How is the return performance of Fude Life Monopoly 3.0 annuity insurance?
 
Although the Monopoly 3.0 annuity insurance has a high level of coverage, when we configure a product, we still have to look at the returns.
 
For example , a 30 -year-old male who pays 50,000 yuan per year for 5 years and chooses to receive the insurance at the age of 60 for life:
 
Fude Monopoly 3.0 Annuity Insurance 2
 
There are two plans based on whether there is a guaranteed payment period:
 
Option 1: Cash value can be compensated upon death;
 
Option 2: Guaranteed benefits until age 80. If you die at age 80 or earlier, you can get the remaining annuity payable.
 
From the above table, we can see that if option 1 is chosen, the insured can start receiving 65,300 yuan at the age of 60 , and can receive it every year thereafter until the end of his life. The longer he lives, the longer he can receive. By the age of 80 , he can receive a total of 1,371,300 yuan, which is twice the total premiums paid . The IRR at this time reaches 3.47% .
 
If you choose option 2, which is guaranteed benefits until age 80 , then the insured person can receive 56,700 yuan when he or she is 60 years old, and can continue to receive it thereafter, guaranteed to receive it until age 80. If he or she dies before age 80 , the accumulated amount that can be received at age 80 minus the amount already received can be obtained.
 
No matter which plan you choose, Monopoly 3.0 is more than enough to be used as a supplementary pension and can meet the basic living needs of the insured after retirement.
 
SEO insurance consultant (annuity, increasing life insurance) 2
 
 
3. Summary
 
In general, the interest rate of Fude Life Monopoly 3.0 annuity insurance is 3.0% , and the amount of payment is agreed in the insurance contract, which is not affected by subsequent market interest rate fluctuations. It can be received throughout life, which is stable and guaranteed. In addition, this annuity insurance pays more annuities and pays them early, which is suitable for people who want to supplement their retirement money or plan to retire early.
 
 

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