Is Fosun Prudential Xingfujia (regular version) pension annuity insurance reliable? How to buy?

This product is quite good among regular pensions!

Guarantee period

The guarantee period of Fosun Prudential Xingfujia regular version is until the age of 80, not for life! You must see this clearly!

Guaranteed benefit

Guaranteed benefit is for 15 years. If you start receiving it at the age of 60, if you die during the guaranteed benefit period, the remaining pension will be given to your family.

High-end senior care community

If the total insurance premium reaches 1.5 million, you can live in a high-end senior care community of Fosun Prudential.

Universal account

You can add a universal account with a minimum guarantee of 3% to achieve secondary financial management of idle funds!

Death benefit

The death benefit lasts until the age of 80. In case of death before the age of 80, the money in the account can be passed down to family members.

The cash value

lasts until the age of 80, and can be used to solve temporary needs of money and take policy loans.

Birthday benefit

When the insured reaches the age of 80, he or she can receive 10 times the pension as a birthday benefit. The contract is over!

Value-added services:

Phone doctor, medical companionship, green channel, expert second consultation, high-end physical examination, etc.

A 30-year-old female, the budget is 10 years * 100,000 yuan, and she will start receiving it at the age of 60.

Each year: 135,965 yuan;

Maturity bonus at 80 years old: 1,359,650 yuan, 10 times the pension;

Cumulative receipt: 4,078,950 yuan;

IRR: 3.79%

Summary: use 1 million to leverage a 4.07 million The leverage, as your own pension, these are written in the contract in black and white, what you see is what you get. Comparing with other products

It can be seen that the pensions are also guaranteed to the age of 80. Fosun Prudential Xingfujia’s annual benefits are not the highest, ranking among China and the Netherlands for this life (premium version) The latter, but the total amount received is the highest, and the internal rate of return IRR is 3.79%, which is also the highest.

Ebright Everbright Bright Life (Wisdom Select Edition) and ICBC AXA Sheng Nian are also good, but they are slightly lower than Fosun Prudential Xingfujia.

Of course, if you only have a total budget of 1 million and want to connect with a high-end retirement community, Everbright Sun Life’s Bright Life Smart Selection Edition is a good choice.

You still have to choose the solution that best suits you based on your own needs!

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