1、保险法提供保障(资金安全)保单郑重承诺 终身还本(本金不失)固定收益每两年保额的7%加保监会核准的中档分红抓商机(稳定增值)保单可贷款(灵活变现)银行存款银行存款财富储蓄财富储蓄利率利率存款形态存款形态活期存款 0.72%整存整取 2.88%存本取息 1.80%活期资金(保单可借款)保底利息 1.75%-1.9%当年分红 1.3%定期利息 存本取息 3.05%-3.2%分红采取复利计息(想象以下)备注:以上利率演示为备注:以上利率演示为10万本金,分万本金,分3年存入,红利以中档为例进行演示年存入,红利以中档为例进行演示每两年领每两年领取取1120011200元元您的本您的本金金31 31万万
2、银行存款银行存款财富储蓄财富储蓄当年利息当年利息存款年度存款年度1再看张先生的利益(存本取息):利率利率23451.8%1.8%1.8%1.8%1.8%1116.522333349.544665582.5当年利息当年利息存款年度存款年度1利率利率234510.2%5.8%4.2%3.5%3.03%63187137781386789399101.8%5582.5103.08%9540存本取息单利超过银行存本取息单利超过银行5年定存,复利计息累计收益更高!年定存,复利计息累计收益更高!终身分红为抵御通胀和利率变动而设计的寿险险种 17761776年诞生于英国年诞生于英国19201920年风行于美国
3、年风行于美国20002000年首现于大陆年首现于大陆投保人生日投保人生日投保日期投保日期险种险种 保费保费 保额保额 第一次分红第一次分红 第二次分红第二次分红 第三次分红第三次分红累计累计1973.11.041973.11.04 2001.01.182001.01.18 鸿利鸿利 32053205 5万5万31.4831.4874.0374.0357.4657.46167.52167.521973.09.211973.09.21 2001.04.262001.04.26 鸿祥鸿祥 15701570 5万5万14 1436.7836.7828.3628.3681.2881.281974.09.
4、061974.09.06 2001.03.302001.03.30 鸿盛鸿盛 12701270 5万5万6.256.2520.1720.1715.8315.8343.3243.32 (1971年发单年发单,35岁男性岁男性,$25000 保额保额,普通寿险契约普通寿险契约,每每$1000)年度年度说明说明给付给付说明说明给付给付说明说明给付给付19721972$0.00$0.00$0.00$0.001.321.321.321.321.161.161.161.16197319730.000.000.000.002.182.182.182.181.761.761.761.76197419743.0
5、43.043.13.13.053.053.23.22.392.392.392.39197519753.383.383.533.533.943.944.144.143.023.023.023.02197619763.743.744.044.044.744.744.994.993.653.653.653.65197719774.104.484.485.545.546.146.144.314.314.314.31197819784.474.474.944.946.336.337.077.074.944.944.944.94197919794.844.845.45.47.127.128.48.45.6
6、5.65.65.6198019805.195.196.226.227.97.99.599.596.266.266.266.26198119815.555.557.267.268.668.6610.6110.616.896.896.896.89198219826.276.278.488.489.079.0711.1911.197.527.527.527.52198319837.027.029.669.669.479.4711.8111.818.158.158.158.15198419847.807.8012.7812.789.899.8921.9821.988.818.818.818.81198
7、519858.628.6214.2714.2710.2910.2926.1626.169.449.4416.4616.46198619869.449.4415.6115.6110.7310.7327.8827.8810.110.117.6617.661987198710.3010.3017.1317.1311.1711.1729.5929.5910.7310.7318.8118.811988198811.1911.1921.8621.8611.6611.6630.1930.1911.3911.3920.0120.011989198912.1012.1023.3523.3512.1512.153
8、1.131.112.0212.0221.1521.151990199013.0313.0325.1325.1312.6712.6730.1630.1612.6812.6821.2821.281991199113.9813.9826.9326.9313.1813.1831.7331.7313.3113.3122.3622.36每每$1000 总保额:总保额:安泰安泰$19.84,友邦友邦$23.13,林肯国民林肯国民$22.98资料来源:资料来源:A.M.Best.Co.美国安泰美国安泰实际给付红利要远远实际给付红利要远远高于假设的演示红利,高于假设的演示红利,而且保单年数越长,而且保单年数越长,红利分配的越多红利分配的越多美国友邦美国友邦林肯国民林肯国民 对有钱人对有钱人意味着什么意味着什么 投资投资:追求回报最大化;(高风险)追求回报最大化;(高风险)理财:理财:保值;增值;灵活保值;增值;灵活 (讲安全)(讲安全)