太平洋人寿增额寿险哪款好,4款在售新产品介绍
同一家保险公司开发多款相同类型产品,往往是在不同渠道销售,那么太平洋人寿目前有多款产品,分别是鑫相伴臻享版、长相伴A款、长相伴B款和福有余2024,那么太平洋人寿增额寿险哪款好?
1、当前增额终身寿险特点
2、太平洋四款增额寿收益对比
3、太平洋热门单品不同交费下收益情况
一、当前增额终身寿险特点
1、保障期限长,都是保终身,锁定终身的收益率。
2、预定利率方面:固定增额寿险预定利率都是2.5;分红型增额寿预定利率2.0+分红,分红不确定。
3、保额和现金价值复利增长,且都是写入合同,可以明确预期,便于个人进行规划。
4、可以优化家庭资产配置,增额寿稳定收益作为家庭财富的压仓石。
5、可以进行减保领取,通常每年不超过基本保额20%。
二、太平洋四款增额寿收益对比
在同一家公司产品,保障范围上区别极小,主要看收益区别就可以:
40岁,年交10万,交3年的情况下,看看几款产品情况:
减保条款相同:第一年就可以减保,减保金额不超过基本保额20%,基本保额投保时就已经高固定,意味着每年减保的限额也已经限定,基本保额20%通常比年交保费稍低一点。 比如年交5万,交5年,总共25万,基本保额23万,那么基本保额20%就是4.6万。
偿付能力方面:太平洋人寿目前二季度核心偿付123.57%,综合偿付208.8%。
收益方面:
鑫相伴臻享版:三年交第五年超过保费,持有40年现金价值725100
鑫相伴B款:第五年超过保费,持有40年现金价值714100
鑫相伴A款:也是第五年现金价值超过保费,意味着满五年退保没有经济损失,40年现金价值达到724900;
福有余2024:三年交第八年现金价值超过保费,40年现价大大731400.
太平洋人寿增额寿险哪款好,可以看到四款里面现金价值较高的就是福有余2024版,下面看看这款产品不同期限数据:
三、太平洋热门单品不同交费下收益情况
福有余2024款,30岁男性,总共交费15万的情况下:
趸交第四年就超过保费,持有到60岁现价291150,70岁372750;80岁477150;90岁610800;
选择三年交15万,年交5万情况下,第八年现价超过保费,60岁286650;70岁366900;80岁469650;90岁601150;
选择五年交15万,年交3万,第九年现价超过保费,持有到60岁和70岁分别拿到278970和357090.
选择十年交第十一年超过保费,60岁现价价值262260;70岁335715;80岁439735;90岁550050.
通过对比发现,趸交前期现价高,长期收益与三年交非常接近,这款如果经济条件可以,三年交压力小收益也可以;如果当前资金紧张,又想每年存点钱,那么10年交也可以。
关于太平洋人寿增额寿险哪款好就写到这里。
精品好文推荐:
《2024年10月养老年金险排名,介绍11款 》
《2024年10月增额终身寿险最新榜单,覆盖热门产品 》
《养老年金险趸交、三年交、五年交、十年交区别 》
《太平洋人寿增额寿险哪款好,4款在售新产品介绍 》
FreeMarker template error (DEBUG mode; use RETHROW in production!):
The following has evaluated to null or missing:
==> GetData('baoxian_jx_data','lcxjx') [in template "h5/common/baoxian_ad.html" at line 44, column 40]
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Tip: If the failing expression is known to be legally refer to something that's sometimes null or missing, either specify a default value like myOptionalVar!myDefault, or use <#if myOptionalVar??>when-present<#else>when-missing#if>. (These only cover the last step of the expression; to cover the whole expression, use parenthesis: (myOptionalVar.foo)!myDefault, (myOptionalVar.foo)??
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FTL stack trace ("~" means nesting-related):
- Failed at: #assign lcxjxArticles = GetData("baox... [in template "h5/common/baoxian_ad.html" in macro "baoxian_tag_ad" at line 44, column 17]
- Reached through: @baoxian_tag_ad "${channelType}" [in template "h5/newbaoxianad/admacro.html" in macro "NEW_BAOXIAN_AD_1" at line 23, column 21]
- Reached through: @NEW_BAOXIAN_AD_1 channelType="${chan... [in template "h5/newbaoxianad/macro.html" in macro "NEW_BAOXIAN_AD" at line 183, column 21]
- Reached through: @NEW_BAOXIAN_AD channelType="ARTICLE"... [in template "h5/article/channelArticle/baoxian_article.html" at line 25, column 9]
- Reached through: #include "channelArticle/baoxian_arti... [in template "h5/article/article.html" at line 84, column 5]
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Java stack trace (for programmers):
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freemarker.core.InvalidReferenceException: [... Exception message was already printed; see it above ...]
at freemarker.core.InvalidReferenceException.getInstance(InvalidReferenceException.java:131)
at freemarker.core.Assignment.accept(Assignment.java:136)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.MixedContent.accept(MixedContent.java:54)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:345)
at freemarker.core.IfBlock.accept(IfBlock.java:48)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:345)
at freemarker.core.IteratorBlock$IterationContext.executeNestedBlockInner(IteratorBlock.java:268)
at freemarker.core.IteratorBlock$IterationContext.executeNestedBlock(IteratorBlock.java:220)
at freemarker.core.IteratorBlock$IterationContext.accept(IteratorBlock.java:194)
at freemarker.core.Environment.visitIteratorBlock(Environment.java:572)
at freemarker.core.IteratorBlock.acceptWithResult(IteratorBlock.java:78)
at freemarker.core.IteratorBlock.accept(IteratorBlock.java:64)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.MixedContent.accept(MixedContent.java:54)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:345)
at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.MixedContent.accept(MixedContent.java:54)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.Macro$Context.runMacro(Macro.java:184)
at freemarker.core.Environment.invoke(Environment.java:701)
at freemarker.core.UnifiedCall.accept(UnifiedCall.java:84)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.MixedContent.accept(MixedContent.java:54)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:345)
at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:345)
at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.MixedContent.accept(MixedContent.java:54)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:345)
at freemarker.core.IfBlock.accept(IfBlock.java:48)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.MixedContent.accept(MixedContent.java:54)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:345)
at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.MixedContent.accept(MixedContent.java:54)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.Macro$Context.runMacro(Macro.java:184)
at freemarker.core.Environment.invoke(Environment.java:701)
at freemarker.core.UnifiedCall.accept(UnifiedCall.java:84)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.MixedContent.accept(MixedContent.java:54)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:345)
at freemarker.core.IfBlock.accept(IfBlock.java:48)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.MixedContent.accept(MixedContent.java:54)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:345)
at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.MixedContent.accept(MixedContent.java:54)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:345)
at freemarker.core.IfBlock.accept(IfBlock.java:48)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.MixedContent.accept(MixedContent.java:54)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:345)
at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.Macro$Context.runMacro(Macro.java:184)
at freemarker.core.Environment.invoke(Environment.java:701)
at freemarker.core.UnifiedCall.accept(UnifiedCall.java:84)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:345)
at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:48)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.MixedContent.accept(MixedContent.java:54)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.Environment.include(Environment.java:2072)
at freemarker.core.Include.accept(Include.java:167)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:345)
at freemarker.core.IfBlock.accept(IfBlock.java:48)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.MixedContent.accept(MixedContent.java:54)
at freemarker.core.Environment.visit(Environment.java:324)
at freemarker.core.Environment.process(Environment.java:302)
at freemarker.template.Template.process(Template.java:325)
at org.springframework.web.servlet.view.freemarker.FreeMarkerView.processTemplate(FreeMarkerView.java:367)
at org.springframework.web.servlet.view.freemarker.FreeMarkerView.doRender(FreeMarkerView.java:284)
at org.springframework.web.servlet.view.freemarker.FreeMarkerView.renderMergedTemplateModel(FreeMarkerView.java:234)
at org.springframework.web.servlet.view.AbstractTemplateView.renderMergedOutputModel(AbstractTemplateView.java:167)
at org.springframework.web.servlet.view.AbstractView.render(AbstractView.java:303)
at org.springframework.web.servlet.DispatcherServlet.render(DispatcherServlet.java:1257)
at org.springframework.web.servlet.DispatcherServlet.processDispatchResult(DispatcherServlet.java:1037)
at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:980)
at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:897)
at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:970)
at org.springframework.web.servlet.FrameworkServlet.doGet(FrameworkServlet.java:861)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:624)
at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:846)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:731)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:303)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208)
at org.apache.tomcat.websocket.server.WsFilter.doFilter(WsFilter.java:52)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208)
at com.ujigu.secure.web.filter.CommonFilter.doFilter(CommonFilter.java:257)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208)
at com.ujigu.secure.web.filter.XssSqlFilter.doFilter(XssSqlFilter.java:40)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:101)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208)
at org.apache.catalina.core.ApplicationDispatcher.invoke(ApplicationDispatcher.java:747)
at org.apache.catalina.core.ApplicationDispatcher.processRequest(ApplicationDispatcher.java:485)
at org.apache.catalina.core.ApplicationDispatcher.doForward(ApplicationDispatcher.java:410)
at org.apache.catalina.core.ApplicationDispatcher.forward(ApplicationDispatcher.java:337)
at org.springframework.web.servlet.view.InternalResourceView.renderMergedOutputModel(InternalResourceView.java:168)
at org.springframework.web.servlet.view.AbstractView.render(AbstractView.java:303)
at org.springframework.web.servlet.DispatcherServlet.render(DispatcherServlet.java:1257)
at org.springframework.web.servlet.DispatcherServlet.processDispatchResult(DispatcherServlet.java:1037)
at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:980)
at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:897)
at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:970)
at org.springframework.web.servlet.FrameworkServlet.doGet(FrameworkServlet.java:861)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:624)
at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:846)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:731)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:303)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208)
at org.apache.tomcat.websocket.server.WsFilter.doFilter(WsFilter.java:52)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208)
at com.ujigu.secure.web.filter.CommonFilter.doFilter(CommonFilter.java:257)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208)
at com.ujigu.secure.web.filter.XssSqlFilter.doFilter(XssSqlFilter.java:40)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208)
at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:197)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:107)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208)
at org.tuckey.web.filters.urlrewrite.RuleChain.handleRewrite(RuleChain.java:176)
at org.tuckey.web.filters.urlrewrite.RuleChain.doRules(RuleChain.java:145)
at org.tuckey.web.filters.urlrewrite.UrlRewriter.processRequest(UrlRewriter.java:92)
at org.tuckey.web.filters.urlrewrite.UrlRewriteFilter.doFilter(UrlRewriteFilter.java:389)
at com.ujigu.secure.web.filter.SubUrlRewriteFilter.doFilter(SubUrlRewriteFilter.java:57)
at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241)
at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208)
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at org.apache.tomcat.util.net.JIoEndpoint$SocketProcessor.run(JIoEndpoint.java:316)
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at org.apache.tomcat.util.threads.TaskThread$WrappingRunnable.run(TaskThread.java:61)
at java.lang.Thread.run(Thread.java:748)