"Xin Xibao can earn a lot of money every year? This interest rate scared me away. "
1. What is the income of Xinxibao Annuity Insurance?
From this point of view, Xin Xibao's annuity insurance covers quite a lot, including survival annuity+special care fund+nursing fund+death insurance, and can also be accompanied by critical illness insurance and universal account. In many people's minds, it is really universal insurance.
However, everyone still focuses on the income of Xinxibao Annuity Insurance. If the 30-year-old Lao Wang has purchased Xinxibao Annuity Insurance, the initial premium is 50,000 square meters, and the payment time is ten years. Please see the figure below for specific benefits:
Even if you can get 50,000 yuan at the age of 35 and 25,000 yuan a year, the insured can get 25,000 yuan +2 19250 yuan of basic insurance protection at the end of 20 years, which is quite a lot.
However, the irr finally calculated after the expiration of Xinxibao Annuity Insurance is only 2.87%. Generally, the irr of excellent wealth management insurance on the market will not be lower than 3.5% (under the same conditions), and the income of Xinxibao annuity insurance is really average.
Some people think so, too. The main insurance yield is not high, and the salesman will tell you. However, the income of this additional universal account is as high as 5%, which is still quite powerful. But it's actually not what I thought .. Let's take a look at the universal account of Xinxibao:
As can be seen from the table, many expenses need to be deducted from the universal account of the insured. Let's take the example of Lao Wang. If he attaches Xinyuan Pernod Universal Account to his insurance master contract, the first 50,000 yuan survival fund received by Lao Wang will automatically enter the universal account, and the initial cost of 1% will be deducted after entering, which means that our 500 yuan will be deducted first.
Then we will deduct our risk protection fee at the end of each year. This risk protection fee is really outrageous, and it will increase with age. In case the insured amount is100000 yuan, the 40-year-old male will be deducted 165 yuan, and the 50-year-old male will need to be deducted 425 yuan.
Moreover, the insured does not want this universal account and wants to get his own money back. It needs to wait until after the sixth year of the policy year, otherwise the insurance company will charge a 5% refund premium.
So there are many tricks in this universal account, and the senior sister can't finish it here. If you want to know more about general account skills, please read this article:
"Is it really as good as propaganda to manage money with universal insurance? 》
Second, the insurance value of Xinxibao Annuity is not worth recommending to buy.
After the analysis of the senior sister's annuity insurance, we all know that the income of the annuity insurance itself is not very objective, and the universal account is not that simple. Be careful when you step on the pit, so senior sister doesn't recommend buying it ~
If you want to choose a satisfactory annuity insurance, I recommend you to look at the excellent annuity insurance summarized by your senior sister and choose the best purchase:
Love high-yield annuity insurance? Don't miss this 10 model! 》
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