Annuity insurance has many disadvantages. What do you need to pay attention to if you want to prevent lightning strike? Here are some tips for buying annuity insurance for you. If necessary, you can open the following article to browse:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. Is Beijing Life Trustworthy?
1, strength background
Beijing Life Insurance Co., Ltd. (hereinafter referred to as "Beijing Life Insurance") officially opened in Beijing on February 20 18 with a registered capital of RMB 2.86 billion. It is a national life insurance company established by state-owned enterprises, collective enterprises and social enterprises with the approval of the China Banking Insurance Regulatory Commission.
The threshold for registering an insurance company in China is 200 million yuan, and the registered capital of Beijing Life Insurance is 2.86 billion yuan, which directly reflects the strength of Beijing Life Insurance.
2. Solvency
Solvency is one of the important standards to measure whether an insurance company has solvency, and it is the lifeline of an insurance company. China Banking Regulatory Commission stipulates that only companies with core solvency adequacy ratio above 50%, comprehensive solvency adequacy ratio above 100% and latest risk rating above Grade B can meet the standards.
Judging from the solvency report of Beijing Life Insurance in the first quarter of 200210, all indicators have exceeded the minimum standards stipulated by the CBRC, which proves that Beijing Life Insurance is a reliable insurance company, and everyone can take out insurance with confidence.
When investigating insurance companies, what else should we know besides background strength and solvency? Senior, I have compiled an article here to inspect the dry goods of insurance companies. Interested friends can open it and have a look:
"What should we pay attention to when we pay attention to insurance companies? 》
2. What are the highlights of Beijing Fuyi endowment insurance? How is the income?
Next, we will begin to evaluate the annual annuity insurance in Fuyi. As usual, let's learn the essence of Fuyi annual annuity insurance:
Looking around, Beijing Fuyi Annual Annuity Insurance is really a big bright spot!
Highlight 1: the insurance age is wide.
The insurance age of Jingfuyi Annuity Insurance is set at 28 days to 65 years old. Compared with some products with the highest insurance age of 55, Jingfuyi Annuity Insurance has less requirements on the insurance age, which is valuable for the elderly.
Highlight 2: The payment period is varied and optional.
There are various payment methods for the annual annuity insurance in Beijing and Fuyi, including one-time payment, three-year payment, five-year payment and 10-year payment. You can make different choices according to your own needs.
Highlight 3: 20 years of old-age security
The rules of Beijing Fuyi Annuity Insurance are as follows. As long as the pension is received in the first year, it can be received until the death, and it is guaranteed to be received for 20 years.
What do you mean by guaranteed collection? Let's give an example. After Lao Li reached the age of 60, he began to receive the pension of Beijing Fuyi Annuity Insurance. It was not until he was 80 years old that he met the conditions for receiving it. If Lao Li dies unfortunately, Jingfuyi Annuity Insurance will pay the remaining pension in one lump sum.
The practice of annual annuity insurance in Beijing Fuyi is really excellent, so that the insured will not lose capital income because of his death, which is very humanized.
Highlight 4: The pension collection method is flexible
The pension of Beijing Fuyi Annuity Insurance can be paid not only monthly, but also annually. If you choose an annual salary, you can receive a one-time guarantee of 100% and save this fund as a personal plan; If you choose to receive it monthly, you can receive 8.5% of the insured amount every month, which can be used as a living allowance. I have to say that Beijing Fuyi Annual Annuity Insurance does fully consider consumers!
Highlight 5: The insured is exempt from liability.
Beijing Fuyi annual annuity insurance also gives the insured the responsibility of exemption. Under the two preconditions stipulated in the contract, if the insured is under the age of 17 and the insured is under the age of 60, the subsequent premium can be exempted due to accidental death or high disability, and the policy is still valid.
Highlight 6: High income
Take a 30-year-old male as an example, the wholesale payment is 654.38+10,000 yuan, and the basic insurance amount is 140 100 yuan. He began to receive it at the age of 60, and he chose the annual income. The specific income is as follows: in the 20 years he has guaranteed to receive it, he can receive 380 100 yuan, after deducting the premium of 65438+.
The cash flow of Beijing Fuyi Annuity Insurance is very stable, and the income is also very certain. At present, the standard probability of annuity insurance is 3.5%, and Beijing Fuyi annuity insurance is very close to 3.45%.
With regard to the coverage of the annual annuity insurance in Fuyi, Senior Sister Xue said that this is the end. For those who are curious about other guarantees, this article has a detailed introduction:
What about Beijing Life's "Beijing Fuyinian" pension annuity insurance? Look before you buy it! 》
Summary: Jingfuyi annuity insurance has complete basic protection, high income and many advantages. It is a very good annuity insurance product. Senior sister thinks it is necessary for everyone to configure one.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!