There are also many small partners asking, is PICC Fushou's annual pension insurance really so cost-effective? Is it really worth buying? Today, Senior Sister will take you to study this product!
Before further study, you can refer to this list of high-yield financial insurance:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
First of all, analyze the guarantee responsibility of PICC Fushou annual endowment insurance!
As usual, senior first presented the essence of annual endowment insurance for PICC Fushou:
The following assessment results were obtained:
1, and the annuity collection method is flexible.
PICC Fushou's annual pension insurance is extremely flexible, which can be divided into annual installments or monthly installments.
And the collection type is guaranteed to return the account value for life, with a fixed term of 10 (or 15, 20, 25) years.
Therefore, consumers can choose flexibly with reference to their own conditions.
However, it should be noted that before receiving the pension, the way and type of receiving the pension insurance can be adjusted according to the situation. After receiving a pension, the way and type of receiving a pension cannot be changed.
If you are not familiar with annuity insurance, you can read this article for more information:
Learn this trick and stay away from the 99% pit of annuity insurance.
2. Enjoy high insurance premiums.
Severe disability means that a person has no ability to take care of himself.
Whether it is a severe disability is determined by the insurance company according to the physical condition of the insured.
Severe disability insurance is a right provided by PICC Life Insurance Company's annual endowment insurance, which can effectively reduce the economic burden of severely disabled people and their families.
Let severely disabled people live a "face-to-face" life, enjoy high-quality nursing services and live a more dignified life.
The above is an explanation of PICC Fushou's annual endowment insurance guarantee responsibility. Sister Xue explained here, maybe many friends are already interested! Don't worry, first look at the income of PICC Fushou's annual endowment insurance before deciding!
Secondly, I was shocked when I calculated PICC Fushou's annual pension insurance income. ...
If Mr. Li, who is 30 years old, buys PICC Fushou annual endowment insurance, the annual premium is 65,438+0,000, and no additional premium can be added in the future. The initial fee is set at 0%. For example, he will receive a pension at the age of 60.
If you buy PICC life insurance, you can immediately own it by setting up personal account management, and switch to the required robust investment account management and aggressive investment account management according to the pension.
After deducting the initial expenses, if the insurance premium paid each time is divided into a stable portfolio account and an aggressive portfolio account according to the agreement, Mr. Li Can gains the following benefits:
& gt& gt Mr. Li, 30 years old, before receiving his pension.
1, severe disability nursing
According to the insurance contract, Mr. Li Can received serious disability and serious disability insurance money in one lump sum, ranging from 10073 yuan to as high as 49,824 yuan.
Of course, Mr. Li Can chooses to pay by monthly/annual installments.
2. Special surrender treatment
In case of misfortune, Mr. Li suffers from serious illness or accidental injury as agreed in the contract, and can surrender his insurance if he reaches the disability degree of life insurance disability assessment standard 1-3.
Then it is suggested that Mr. Li apply for surrender, and the minimum surrender can be 10073 yuan, which is 49,824 yuan.
3. Death insurance
Prepare PICC Fushou's annual endowment insurance. As long as the insured dies unfortunately, he can pay the death insurance money according to the personal equivalent account value.
In other words, Mr. Li's contract stipulates that the insurance beneficiary can get the death insurance money: the minimum death insurance money is 10073 yuan, and the maximum is 49824 yuan.
& gt& gt If Mr. Li Can still leads a normal life within the validity period of the guarantee, there are many ways to receive the pension, and you can choose any one:
In the income calculation table, if Mr. Li receives whole life insurance, then Mr. Li can get 983 yuan at least one year, which is calculated according to the low interest rate.
If Mr. Li asks to receive the old insurance premium according to the intermediate interest rate and the high-grade interest rate, then the intermediate interest rate can receive 2072 yuan and the high-grade interest rate can receive 2756 yuan.
The above is the income calculation of PICC Fushou annual endowment insurance.
If you want to further study the income of Bao Fushou's annual fixed-term pension insurance, please discuss it with your senior sister in detail ~
To sum up, this old-age insurance has three guarantees (pension annuity+severe disability insurance+death insurance), which can enable us to obtain high-quality old-age life.
Finally, Senior Sister integrated ten popular commercial endowment insurances for friends:
The top ten commercial endowment insurance market with cost performance! 》
Write it at the end
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