Send a guide to avoid annuity insurance pits before opening: learn this trick and stay away from 99% annuity insurance pits.
1. What are the advantages and disadvantages of Guohua Shi Shengfu?
1, insurance rules
The insurance age is relatively wide.
It is not difficult to see from the picture that anyone who meets the conditions of 28 days -65 years old can apply for pension insurance. Most people who are limited to 55 years old are annuity insurance products on the market. Compared with other similar products on the market, the age limit of Fu annuity insurance is less, which makes more elderly people included in the insurance coverage, which is commendable!
Flexible payment period
Fu annuity insurance has three payment cycles, namely, batch payment, three-year payment and five-year payment. The insured can choose according to their own economic situation, so as to meet the needs of different customers.
2. Guarantee content
Only two aspects are considered when designing the guarantee responsibility, only survival insurance and death insurance.
Survival insurance means that as long as the age reaches the age stipulated in the insurance contract, the insurance company will pay the insured the basic insurance amount for life year by year until the insured dies, and the contract is no longer valid.
For example, Xiao Ming, 30, has insured himself with a prosperous life annuity insurance. If he chooses to pay the premium for three years, 30,000 yuan per year, then in the third year of paying the premium, his account will get the basic insurance amount of 380 1 yuan per year. The longer he lives, the more survival money he gets.
Death insurance refers to that if the insured dies within the effective time of insurance, the insurance company will choose the highest cash price of the policy and the premium paid as death compensation. Because the premium paid may also be lower than the cash value of long-term insurance, this arrangement of insurance companies can maximize the benefits for the insured.
Guo Guofu's introduction ends here. If you want to know more specific information, you can read this article: Is Guohua Fu very good? I suggest you read this article first.
We have completed the insurance rules and guarantee contents of the annuity insurance. Next, let's discuss the benefits, and take three-year life insurance as an example to calculate for everyone.
2. How about Guohua Fu's three-year life insurance plan?
The following is a welfare demonstration of Guohua Fu's three-year life insurance plan:
From the demonstration diagram, it is concluded that a 30-year-old man has insured Guohua Shengshifu, and it will take 30 years to get his money back, provided that he pays 30,000 yuan every year for three years. Considering this, I believe many people will rule out this option. Moreover, at the age of 60, the internal rate of return can only reach 1%, which is the performance of Guohua Shi Shengfu. One thing to understand is that many annuity insurances are basically 3%-3.5% internal rate of return. Generally speaking, the rate of return of Guohua Fu is really poor!
Generally speaking, it takes a long time for Guohua Fu Annuity Insurance to withdraw funds, and the rate of return can't be lower. Therefore, Senior Sister does not recommend buying this product. If you want to buy high-yield wealth management products, I suggest comparing the excellent annuity insurance on the market. Here, we have completely sorted out the excellent annuity insurance on the market: Want to buy high-yield wealth management insurance? Don't miss this 10 model again!
Write it at the end
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