Recently, there are more and more background inquiries about annuity insurance. Among many inquiries, there is an evaluation related to Guohua Shishengfu Annuity Insurance, which has attracted the attention of senior sisters: "Guohua Shishengfu Annuity can be paid for three years, and the principal and interest can be withdrawn." Senior is very interested in this matter. Today, let's see if this product is really so excellent!
Send me a guide to avoid the annuity insurance pit before opening: "Learn this trick and stay away from the 99% annuity insurance pit"
1. What are the advantages and disadvantages of Guohua Shi Shengfu?
Fu endowment insurance protection map
1, insurance rules
The insurance age is relatively wide.
As can be seen from the above picture, people between the ages of 28 days and 65 can apply for the pension insurance. Limiting the age of insurance to 55 is the basic rule of most annuity products on the market. Compared with other similar products on the market, Fu annuity insurance has fewer age restrictions and more elderly people are included in the insurance scope, which is worth choosing!
Flexible payment period
There are three payment years to choose from, namely, batch payment, three-year payment and five-year payment. The insured can choose according to his own situation and meet the needs of the public.
2. Guarantee content
The guarantee responsibility of the welfare annuity insurance is very simple, only the survival insurance and the death insurance.
Survival insurance means that as long as the age reaches the age stipulated in the insurance contract, the insurance company will give the insured an annuity every year with the basic insurance amount written in the contract until the insured dies and the contract is terminated.
For example, 30-year-old Xiaoming bought a prosperous annuity insurance. If he chooses to pay 30,000 yuan every year for three years, he will get the basic insurance amount of 380 1 yuan every year in the third year of payment. The longer he lives, the more survival money he can get.
Death insurance means that if the insured dies within the protection period, the insurance company will choose the maximum value from the cash value and the premium paid. The possibility that the cash value of long-term insurance may exceed the premium paid is not ruled out. From the perspective of the insured, such a setting can maximize the benefits.
For more information about the pension insurance, please read this article: "Where is the pension insurance? Is it worth buying? 》
We have completed the insurance rules and guarantee contents of the annuity insurance, and then we will do a calculation for you in whole life insurance for three years.
2. How about Guohua Fu's three-year life insurance plan?
The following is a demonstration of the benefits of Guohua Fu's three-year life insurance plan:
Master Guo Huasheng's demonstration map
From the demonstration diagram, we know that it takes 30 years for a 30-year-old man to pay insurance for Guohua, provided that he pays 30,000 yuan a year for three consecutive years. Seeing this, I believe most people are disappointed with it. This is just a little. At the age of 60, the internal rate of return only reaches 1%. You know, the IRR yield of most annuity insurance in the market is basically 3%-3.5%. In contrast, the yield of Guohua Fu is really bad!
From all aspects, it takes a long time for Guohua Fu Annuity Insurance to recover its funds, and the rate of return is really unacceptable. So, let's look at other annuity insurance products.
If you want to buy wealth management products, especially 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! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!