Following Yisheng Zhongyi and Xingfujia, another good dividend insurance product has come out - Liduoduo No. 3

Today we will evaluate Liduoduo No. 3 to see if this product is worth buying!

Guaranteed benefit part:

In the 7th year, cash value > accumulated premium.

The guaranteed benefit IRR can be as high as 2.2%, slightly lower than the 2.5% upper limit of the dividend insurance interest rate stipulated by the regulator.

Dividend benefit part:

Assuming the dividend realization rate is 100%, the guaranteed benefit plus the dividend part, the long-term IRR can exceed 3.5%.

At the age of 37, the cash value is greater than the accumulated premium, and the total cash value is about 325,000 yuan.

At the age of 50, the current price is 1.77 times the premium paid, about 532,000 yuan, and the IRR is 3.064%.

At the age of 70, the current price is 3.8 times the premium paid, about 1.141 million yuan, and the IRR is as high as 3.84%.

At the age of 90, the current price is 8.0 times the premium paid, about 2.396 million yuan, and the IRR is as high as 3.584%.

This income can be regarded as the ceiling level at present, and it is very worth starting!

Speaking of product benefits, dividend insurance is naturally inseparable from the insurance company's past dividend realization rate. Many friends still don't understand what the dividend realization rate is? Let's take a look:

For example, the demonstration dividend of the product is 10,000 yuan. If the actual dividend is 9,000 yuan, then the dividend realization rate is 90%. If the actual dividend is 12,000 yuan, then the dividend realization rate is 120%.

However, the dividend realization rate represents the past, not the future. In extreme cases, it may be 0. Everyone needs to have this understanding.

Next, let's take a look at another major advantage of this product - excellent value-added services

Liduoduo No. 3 provides "Nu Xiangshou" health management services, which are operated by Cigna's subsidiaries and professional institutions, covering 297 cities and 2,047 tertiary hospitals across the country. With the increasing aging of the population, this service is particularly practical.

Service content:

●120 pre-hospital emergency care, allowance of 1,000 yuan/year

●1v1 professional inpatient nursing care, 3 days*24 hours/year

●Home care, 5 days*24 hours/year

●Discharge assistance, escort to the designated location (within 200 kilometers)

Service highlights:

●Professional doctor team

Led by general practitioners, combined with self-signed specialists and a team of nurses with many years of service experience, we provide unlimited medical consultation and health management services throughout the year.

●1+2 Friends and Family Sharing

This value-added service is available to the insured + 2 of his/her immediate family members. It is available upon insurance, that is, 1 policy, 3 people can enjoy it. It is very suitable for families whose children do not have enough time to take care of the elderly due to work.

●Lifelong service

This value-added service can accompany you for life and escort your retirement.

Finally, let's take a look at the strength of Cigna-CMB Insurance Company!

Cigna-CMB Insurance Company is a Sino-foreign joint venture insurance company established in 2002. Chinese and foreign shareholders each hold 50% of the shares. It has been more than 20 years since then.

The Chinese shareholder, China Merchants Bank, was established in 1987. It ranked 179th in the Fortune Global 500 in 2023, with total assets of 11.03 trillion.

The foreign shareholder, Cigna Life Insurance Company of North America, has a history of more than 230 years, more than 70,000 employees worldwide, ranked 35th in the Fortune Global 500 in 2023, and is one of the four largest commercial health insurance companies in the United States.

These two companies have a long history and strong strength.

Let's take a look at Cigna's solvency, which can be sorted out according to the official website data:

●The core solvency ratio in the first quarter of 2024 is 108.79%, and the comprehensive solvency ratio is 204.56%

●The comprehensive risk rating in the third and fourth quarters of 2023 is BBB

It is far higher than the standard level set by the regulator, so you can choose this insurance company with confidence.

Cigna has a professional asset management company with an asset management scale of nearly 280 billion yuan. The average comprehensive investment return rate in the past three years is 5.54%, ranking among the best in the industry.