泰盈人生创新四重保障打造家庭财务好帮手

Core Insights - The article discusses the launch of the "Taikang Taiying Life Annuity Insurance Product Plan," which aims to provide a comprehensive wealth management solution in the context of longevity and low-interest-rate environments [1] Group 1: Product Features - The core protection of the Taiying Life Plan is derived from its main product design, ensuring lifelong cash flow through guaranteed benefits such as survival benefits and pensions, which are clearly stated in the insurance contract [2] - The plan offers a stable survival benefit that begins at the contract start date, allowing clients to cover significant life events like children's education and retirement needs [2] - The Taiying Life Plan B guarantees that the total amount received will not be less than the total premium paid, providing a safety net for older clients or those with conservative risk preferences [2] Group 2: Wealth Growth Mechanisms - The Taiying Life Plan incorporates a dividend mechanism that allows clients to share in the operating surplus of Taikang's dividend insurance business, providing an opportunity for wealth appreciation [3] - This design helps alleviate inflation pressure and links wealth growth to economic development, supported by Taikang's capabilities in the healthcare and investment sectors [3] Group 3: Flexible Financial Management - The plan introduces four universal accounts that create a dual growth engine of annuity payments and account value appreciation, allowing clients to benefit from compound interest [4] - The universal accounts provide flexible fund management tools, enabling clients to withdraw funds as needed while maximizing the time value of money for long-term planning [4] Group 4: Tax Benefits and Payment Flexibility - The Taiying Life Plan integrates personal pension policy benefits, allowing clients to enjoy tax advantages while optimizing their financial planning [5] - The product offers 29 payment period options, including lump-sum and installment payments, allowing clients to tailor their contributions based on income and tax cycles [5] - The plan redefines the role of annuity insurance in family finance, serving not only as a protection contract but also as a comprehensive wealth management solution [5]