Today, Senior Sister will take a look at Fusheng Annuity Insurance with everyone to see if it is really that good.
Before starting the formal evaluation, the seniors specially compiled a data of Taiping Life Insurance, and interested friends can wait and see:
How can Taiping Life be reliable? A text tells you the answer! 》
1. What is the coverage of Fu Xiang Jin Sheng Annuity?
First of all, take a look at the protection map of Fu Xiang Jin Sheng Annuity Insurance:
As can be seen from the above protection chart, there are many insurance liabilities of Fuxiang Jinsheng Annuity Insurance, including special survival insurance, general survival insurance, old-age survival insurance, special nursing insurance, birthday insurance and death insurance. Its rights and interests include policy loans and insurance deduction rights and interests.
I understand the guarantee responsibility of Fuxiang Jinsheng Annuity Insurance, but the guarantee content and payment conditions of this product need our careful consideration. Then the following senior will tell you in detail.
1. The insurance age range is narrow.
I believe that friends who have seen the protection map should know that Fuxiang Jinsheng Annuity Insurance supports people born between the ages of 28 and 53. Compared with other products, this product is not considered comprehensively in the age range of insurance; We should know that the corresponding setting of the same type of annuity insurance products on the market is generally from the 28th day of birth to 60 or 65 years old, especially for some high-quality products, and the upper limit of the insured age is 75 years old.
It can be seen that there are still many places to be improved in the age range of Fuxiang Jinsheng Annuity Insurance.
2. Other rights and interests are practical.
To sum up, there are many kinds of coverage of Fusheng annuity insurance, and even other rights and interests of this product are "powerful". Take the policy loan as an example.
Policy loan can be understood as the insured applying for a loan from an insurance company with a valid policy during the guarantee period, and the contract is still valid. If you need to use the rights and interests of policy loans, you need to pay attention to the following two issues:
(1) The maximum amount of the policy loan cannot be higher than 80% of the net cash value at the time of signing the contract, and the specific amount needs to be determined according to the examination and approval of the insurance company.
(2) Half a year is the longest term of each loan.
Seeing this, if you have a small partner who is interested in Taiping's annuity insurance products, the following article must not be missed:
What protection does Taiping Fushou Jinsheng Annuity Insurance have? Is it worth insuring? 》
Second, is the insurance value of Fuxiang Jinsheng Annuity worth buying?
After analyzing the guarantee content of Fu Xiang Jin Sheng annuity insurance, let's take a look at the highlight of annuity insurance-income. Small partners who want to configure annuity insurance products believe that everyone is most concerned about the income situation. How much income can they have?
The following is a metaphor for Mr. Li, 30, who bought himself a life annuity insurance, and chose the payment time as 10 year, corresponding to the insured amount of 65,438+10,000 yuan, and Mr. Li did not die at the age of 88. Let's take a look at the process of income calculation.
1. Investment principal
Mr. Li is 3 1-40 years old and needs to pay the annual premium of 12 1930 yuan, and the continuous payment is 12 19300 yuan.
Receive an annuity
35 years old: Mr. Li Can received 12 1930 yuan special survival insurance;
36 -59 years old: Mr. Li Can receives 20,000 yuan of survival insurance every year;
According to the regulations of the age groups of 60-69, 70-79 and 80-88, the income of Mr. Li Can in these three different age groups is 40,000 yuan, 60,000 yuan and 80,000 yuan respectively.
88 years old: Mr. Li Can received 12 19300 yuan in one lump sum.
Then the following figure is the actual income of Mr. Li:
According to the calculation, after the end of the guarantee period, Mr. Li Can finally got the income 184 1230 yuan, the principal 12 19300 yuan was interest-free, and the final net profit was 62 1930 yuan. The internal rate of return of Fuxiang Jinsheng Annuity Insurance was 2.73%.
In fact, the IRR value of 2.73% is not very good. Compared with similar annuity products with an internal rate of return of more than 3% on the market, the actual income from enjoying golden life annuity insurance is not very strong.
Generally speaking, Fusheng annuity insurance is not worth buying because of its low cost performance, insufficient protection and low income.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister arranged a lot of value-for-money and solid annuity insurance. You can choose the best one here:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
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