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,单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,*,单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,*,福禄鑫尊完美驾临,信心,就像太阳一样，充满光明和希望！,老板,财富阶层的跨越越来越难,暴利投机的时机已经结束,贫富悬殊威胁着社会稳定,生活成本上涨的压力越来越大,老百姓,理财渠道的趋势雾里看花,养老规划的紧迫性越来越高,股市,楼市,黄金,保险,2012,年中国私人投资理财趋势,产品回顾,亮点一：本金肯定还 时间由你定,亮点二：三年一返还 边返边递增,亮点三：连续缴费奖 一片感恩心,亮点四：返本还分红 返本还收益,亮点五：灵活周转金 不领可复利,这是一款本金安全的理财产品,这是一种使用灵活的多功能理财产品,福禄鑫尊的产品定位,这是中国人寿冲击,100,强的实惠型产品,市场上 可以返本且,终身养老的理财产品,福禄鑫尊,十年期产品亮点,佣金比例高,心理无负担,大客户零压力缴费，不影响资金投资,;,普通客户缴费少收益大,福禄鑫尊目标市场,中产阶层,1,、保值增值，抵御通胀；,2,、灵活运用，满足不同阶段的资金需求；,3,、提早建立养老金账户，规划退休生活。,需求点,女性朋友是未来中国家庭理财的主体,有本理财,三年两返还,年年有分红,60,岁还本金,无本理财,年年有养老,岁岁有分红,终身有保障,30,岁，龙先生，,10,万,/,年，,10,年缴费，选择,60岁领取祝寿金,有本理财,1,、本金账户：,100,万元,2,、累积生存金账户,:,137.5,万元,3,、累积红利账户,:,129.4,万元,4,、保单借款账户：现金价值的,80%,三年两返还,年年有分红,60,岁还本金,合计：,367,万元,无本理财,年年有养老,岁岁有分红,终身有保障,5,、固定养老金账户,:,9831,元,(60,岁起,),6,、浮动养老金账户,:,7000,元,(60,岁时,),90岁合计养老金：,50.5,万元,7,、终身保障账户：,98310,（终身）,保单年度,年末年龄,年初保费,累计保费,最高,身故保障,生存给付,累积生存,给付,现金价值,假定高等红利,保单价值,周年红利,累积红利,1,31,100000,100000,105000,33700,1925,1925,35625,5,35,100000,500000,525000,17766,252900,13687,39146,309812,10,40,100000,1000000,1050000,66088,628600,31212,172775,867463,15,45,1000000,1050000,28544,133126,721580,34334,375632,1230338,20,50,1000000,1050000,187740,860790,36596,623699,1672229,25,55,1000000,1050000,285526,999440,39149,926279,2211245,30,60,1000000,1050000,1009831,1375247,201670,43280,1294326,2871243,35,65,1000000,197530,9831,1646482,197530,8679,1547648,3391660,40,70,1000000,192370,9831,1960918,192370,8160,1838613,3991901,45,75,1000000,185940,9831,2325436,185940,7624,2173111,4684486,50,80,1000000,177920,9831,2748012,177920,7071,2557988,5483920,55,85,1000000,167920,9831,3237893,167920,6498,3001173,6406986,60,90,1000000,155430,9831,3805799,155430,5893,3511811,7473040,65,95,1000000,139860,9831,4464159,139860,5234,4100411,8704429,70,100,1000000,120420,9831,5227378,120420,4489,4779009,10126807,75,105,1000000,98310,9831,6112157,96170,3609,5561345,11769672,30,岁，龙先生，,10,万元,/,年，,10,年缴费，选择,60岁领取祝寿金,保单年度,年末年龄,年初保费,累计保费,最高身故保障,生存给付,累积生存给付,现金价值,假定高等红利,保单价值,周年红利,累积红利,1,41,100000,100000,105000,38800,1925,1925,40725,5,45,100000,500000,525000,10629,300610,13917,39604,350844,10,50,100000,1000000,1050000,39027,762080,32077,176091,977198,15,55,1000000,1050000,16434,77883,911520,35690,385541,1374943,20,60,1000000,1050000,1005346,1114770,109660,39121,646346,1870776,25,65,1000000,107410,5346,1320707,107410,4719,774941,2203058,30,70,1000000,104610,5346,1559444,104610,4437,922548,2586602,35,75,1000000,101110,5346,1836205,101110,4146,1092137,3029452,40,80,1000000,96750,5346,2157048,96750,3845,1287161,3540959,45,85,1000000,91310,5346,2528992,91310,3534,1511620,4131922,50,90,1000000,84520,5346,2960178,84520,3204,1770124,4814822,55,95,1000000,76050,5346,3460040,76050,2846,2067969,5604059,60,100,1000000,65480,5346,4039517,65480,2441,2411214,6516211,65,105,1000000,53460,5346,4711290,52290,1963,2806765,7570345,40,岁，龙先生，,10,万元,/,年，,10,年缴费，选择,60岁领取祝寿金,福禄鑫尊目标市场,富裕阶层,1,、稳健理财，现金为王；,2,、资产转移、传承财富；,3,、合理避税、资产增值；,4,、身价体现，睿智人生；,需求点,男性朋友将是家族代代富有的总设计师,鑫尊,10,年缴，,“,0,”,压力资产配置计划,30,岁,105,岁,30,岁男，年交保费,100,万，总保费,1000,万,生存金累积,61122570,红利累积,（低）,（中）,55613450,（高）,传承资产,11674,万元,十倍财富,传承子孙,现在 ，成功,
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