Be careful not to be fooled when buying insurance. I bought insurance as soon as the account manager said. ...

Generally, the real rate of return of insurance with wealth management income is the internal rate of return, not the rate of return advertised by the agent. Usually, the rate of return of publicity is based on the rate of return that can be achieved in the ideal state of the product.

For example, the common dividend insurance, the product promotion says that you can get twice the paid premium every year, but in fact the insurance dividend is uncertain, and this double rate of return is not written into the insurance contract.

At present, the common financial risks of major companies include dividend insurance, universal insurance, increased whole life insurance and so on. I have made a detailed analysis of these types of insurance before. If you want to know more, you can click on the following link to view it:

What's the difference between dividend insurance, universal insurance and increased whole life insurance financial insurance? Which is the most cost-effective?

When buying financial insurance, remember that any income that is not written into the insurance contract is uncertain and needs to be extra careful.

Here you can remember the calculation formula of IRR for financial insurance: IRR =a+[NPVa/(NPVa-NPVb)]*(b-a).

Where a and b are discount rates (usually a >；; B) When NPVa is the discount rate a, the calculated NPV is generally positive; If it's b, it's mostly negative.

If you don't know how to use the formula to calculate, you can also borrow Excel to calculate, input the cash flow in a certain period, and then use the IRR calculation formula in Excel to calculate the result.

The higher the general internal rate of return, the more income the annuity insurance products may have.

If you don't know how to calculate the internal rate of return of annuity insurance, here I summarize the high-yield annuity insurance products of 10, and click the link to get the ranking for free:

Top ten annuity insurance rankings

Want to buy high-yield annuity insurance? Don't miss this 10 model again!

Finally, people of different ages apply different insurance, and blind purchase may waste money. See here for the specific insurance scheme:

How to buy insurance at different ages? Everyone should have his own plan.

That's all the answers. Please accept them.

The same number on the whole network: Xueba said insurance, welcome to search!