The following sister will give you an in-depth evaluation! The following article can help you get familiar with annuity insurance in advance. If you don't know, let's take a look:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. How about CITIC Prudential enjoying a student pension?
Before it's too late, let's take a look at the security content of the new treasure city pension directly:
At first glance, it is quite obvious that reliance enjoys the advantages of juansheng pension:
1, with a wide age range.
Born 30 days to 70 years old, this is the age range for Xincheng to enjoy a lifelong pension. Compared with many old-age annuities that can only be insured by people under 60 or 55, this kind of annuity insurance is much more generous.
2. Guarantee 80 years old/100 years old.
There are not many pension annuity insurance in the market that have a fixed number of years for pensions. CITIC Prudential enjoys a student pension annuity, which is relatively close to the people and sets a guarantee period.
If the insured dies unfortunately during the guarantee period, CITIC Prudential will pay the difference between the total pension and the accumulated pension in one lump sum to minimize the loss of the insured.
However, the Juansheng pension enjoyed by Xincheng is not without flaws.
Why do so many small partners want to buy old-age insurance? The purpose is to prevent the economic risks brought by longevity, but CITIC Prudential Life Annuity has a pension age limit.
CITIC Prudential enjoys the highest pension age of 105, but the pensions on the market now can be paid for life.
From this point of view, CITIC Prudential has not given special consideration to the enjoyment of the insured's pension annuity.
If you also want to buy your own pension insurance to receive your death, you can focus on the following points:
Top Ten Annuity Insurance Rankings for Lifelong Pension! 》
Obviously, whether to buy the retirement pension of Prudential, everyone's primary consideration is his income, which is also the most critical factor for everyone to buy.
For the buyer, it is very important for CITIC Prudential to enjoy the benefits of Juansheng's pension, and it has also calculated the benefits for it!
2. Is it worth buying CITIC Prudential's pension annuity?
The senior students here take the 35-year-old male Lao Wang as an example. He paid 3000 yuan a month for 20 years and began to receive a pension at the age of 65. Let's take a look at whether Prudential's pension is worth buying:
From the above picture, we can clearly see that after 20 years of hard work, in the tenth year when Lao Wang received his pension, Xincheng enjoyed a pension of only 0.89%, when Lao Wang was 75 years old.
However, even if we look further, what we can see is that when Lao Wang was 85 years old, the income from the insured reliance pension was only 3%.
What we need to know is that the income of many short-term financial insurance products on the market has been distributed to more than 3.5%. However, looking at the overall income of CITIC Prudential in enjoying Juansheng Pension, such a long insurance period is really pitiful for the insured, and the input and income are completely out of proportion.
On the whole, the cost performance of enjoying pension insurance is still quite high. Including old-age insurance and death protection, the protection content is ok. In addition, the insurance age range is wide, and the old-age insurance can be guaranteed to 80 years old/100 years old. So if it meets everyone's safety needs, it is still worth buying.
Of course, in addition to the cost-effective enjoyment of old-age insurance, here is a list of old-age insurance for everyone, which is full of products worth buying. Friends in need can refer to:
"Top Ten Commercial Endowment Insurance Markets! 》
Write it at the end
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