Before the introduction, I compiled a guide to avoid annuity insurance in into the pit, and this article is the only one in the whole network and was quickly collected:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. What are the advantages and disadvantages of enjoying life annuity insurance?
Not much to say, let's take a look at the protection map of this product:
Like the information provided in the picture, the protection of this product is very simple, and the shortcomings are obvious at a glance.
& gt& gt disadvantage
1. Narrow insurable age range
People born between 28 days and 69 years old enjoy life annuity insurance.
In other words, people over 70 can't buy this product.
Many elderly people want to buy an insurance pension without learning financial management knowledge, but they are not allowed to enjoy lifelong annuity insurance.
It should be understood that it is ok for most annuity insurance products on the market to reach the upper limit of 75 years old.
In contrast, enjoying life annuity insurance does not pay attention to the needs of the elderly.
2. The setting of death insurance is unreasonable.
Enjoy life annuity insurance to limit death insurance. As long as you die 20 years after the pension annuity begins to be collected, there can be no compensation.
In other words, this death insurance may not be available to everyone.
The main selling point of enjoying life annuity insurance is to protect life, but the death protection is not life protection, which is too weak.
& gt& gt advantage
1. Flexible payment period
Enjoy life annuity insurance, and you can choose the payment period very flexibly. You can pay all the expenses in one lump sum or in installments, such as 3 years, 5 years, 10 years and 20 years.
Friends with sufficient budget suggest choosing wholesale delivery, which is not only low in rate, but also convenient.
Those friends who have a poor budget can pay by installment. The longer the payment period, the less the premium will be shared, which can greatly alleviate the economic pressure.
Some friends don't understand how to determine the payment period according to their own situation. For such a problem, it is better to look at the opinions of experts:
"How to choose the payment period so as not to lose money? 》
The above is the guarantee of enjoying life annuity insurance.
Next, Xue Jie will give you a detailed introduction of the benefits of this product.
Second, is it true that you enjoy the benefits of life annuity insurance?
In order to make everyone better understand, Senior Sister gives you an assumption:
Mr. Lin is 35 years old, with life annuity insurance, with an annual premium of 50,000 yuan, which is guaranteed for life in ten years. At the age of 60, you can start to take care of the elderly, and the basic insurance amount is 53,300 yuan.
The income of Mr. Lin is as follows:
1. slow recovery.
It can be seen that the cash value of life annuity insurance is growing very slowly. Just when Mr. Lin was 5 1 year old, he returned to the capital and waited for 16 years. Before that, surrender was a loss.
However, many annuity insurance products on the market can be repaid in five years. In contrast, the return rate of enjoying life annuity insurance is indeed slower than that of pulling a car.
2. The setting of death insurance is unreasonable.
Modern people basically retire at 60, and some even retire at 65. Especially before this age, they need to bear enormous economic pressure and must put safety first.
However, if Mr. Lin dies between the ages of 36 and 50, the death insurance premium for life annuity insurance is also paid, so the premium is compensated to others.
At the age of 55, he can only get 624,500 yuan of death insurance money, which can't support the daily living expenses of a person who has lost the breadwinner of his family.
Maybe he also bears the mortgage and car loan, and also needs to bear the monthly living expenses of his parents and the annual education and parenting expenses of his children. This death insurance is too stingy!
About the real benefits of enjoying life annuity insurance, senior sister is here to analyze.
If you want to know more about this product, let's listen to what the insurance experts say:
The income of "Hengqin enjoys life" is as low as dust. I advise you to think twice! 》
On the whole, it is not worth buying because of its low cost performance, insufficient guarantee and low income.
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!