详细介绍

1、返还比例高 年年都领取：特别生存金的第5年与第6年，可获取年交保费的60%和40%，返还比例高，且生存金部分至80周岁，每年都可以获取；

2、身故有保障 传承且无忧：若投保者一旦，按给付所交保费与现金价值较大者，让后代传承有保障；

3、收益很稳健 养老不用愁：这款年金保险最低保证利率3.5%，保险产品种类定位是3.5%定价传统年金险，收益金额持续不断，非常适合养老；

投保须知

• 保险期限： 至80周岁  
• 缴费方式： 年交   月交  
• 投保年龄： 0-65周岁  

投保案例

<p class="MsoNormal"> <span>李先生最近喜得贵子，为了保障孩子以后的教育以及养老，决定为出生</span>3<span>个月大的儿子小李投保一份鑫彩一生年金保险，（搭配鑫尊宝万能账户），年交</span><span>5</span><span>万，</span><span>3</span><span>年交，保至</span><span>80</span><span>岁。小李可获得保障利益如下：</span> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> <b>1<span>、特别生存金</span></b> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> 5<span>岁返还</span><span>60%</span><span>年交保费，即</span><span>3</span><span>万元；</span> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> 6<span>岁返还</span><span>40%</span><span>年交保费，即</span><span>2</span><span>万元；</span> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> <span>只需</span>3<span>年投人，交</span><span>3</span><span>年免</span><span>1</span><span>年。</span> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> <b>2<span>、生存年金</span></b> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> 7—79<span>岁，每年返还</span><span>20%</span><span>基本保额，即</span><span>3359</span><span>元，合计可领</span><span>24.5</span><span>万元；</span> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> <b>3<span>、满期金</span></b> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> 80<span>岁满期时，还能一次性返还</span><span>100%</span><span>所交保费，即</span><span>15</span><span>万元；</span> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> <b>4<span>、身故金</span></b> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> <span>身故给付保费与现金价值较大者，财富安全传承有保障。</span> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> <b>5<span>、增值金</span></b> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> <span>返还金不领取，进入万能鑫账户，月复利。以中档分红中档利率为例：</span> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> 20<span>岁，生存总利益高达</span><span>25.3</span><span>万元，可作教育金；</span> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> 30<span>岁，生存总利益高达</span><span>38.9</span><span>万元，可做婚嫁金；</span> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> 40<span>岁，生存总利益高达</span><span>60.1</span><span>万元，可做创业金；</span> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> 60<span>岁，生存总利益高达</span><span>145.0</span><span>万元，可做养老金；</span> </p> <p class="p" align="justify" style="margin-left:0.0000pt;text-indent:0.0000pt;text-align:justify;background:#FFFFFF;"> 80<span>岁，生存总利益高达</span><span>352.8</span><span>万元，可做传承金；</span> </p>