But with my rich insurance experience, I can tell you responsibly that the income from receiving a lot of annuity insurance is really average, and there are many places where the protection content can be buried.
It is better to teach people to fish than to teach them to fish. Come and have a look ~
Before the start, Senior Sister has prepared a pit avoidance guide on annuity insurance for everyone, and friends in need can take it by themselves:
Learn this trick and stay away from the 99% pit of annuity insurance.
Stop gossiping. Senior sister will give you a detailed analysis of this product.
1. How about getting more annuity insurance? Is there a trap?
Not much to say, let's take a look at the above picture to understand the product form:
Things are small, but nothing is lacking, and this product is just the opposite!
1. annuity collection method 4 selection 1.
Getting a lot of annuity insurance has always been that there are four ways to get an annuity.
As can be seen from the above figure, there are indeed four ways to receive an annuity, namely, lifetime receipt, periodic receipt, lump-sum withdrawal and lifetime receipt of plus.
Do you feel happy just because you think you can get four times as much money? Always had an annuity? Think so much, this is definitely impossible!
Because multi-year annuity insurance has long been made clear, there are always four ways to get it, so choose one.
To put it bluntly, you can only get 1 time, which is so complicated that the ending is a word game.
Not as good as other annuity insurance products, other sporadic insurance products have set up several birthday payments, which is more realistic than him.
2. The setting of death insurance is unreasonable.
There are two kinds of deaths in receiving multiple annuity insurance: death before receiving annuity and death after receiving annuity.
The former allows compensation for the larger value of the paid premium and cash value, which is nothing more than giving the premium to you. After all, the early cash value is really low.
Take money to invest for decades without even giving interest, and the worse is yet to come!
If you die after receiving an annuity, you will get nothing and no compensation at all. ...
When I learned about this place, my senior was really scared. Suppose the 30-year-old Lao Lin took out a lot of annuity insurance, and he could only receive annuity insurance at the age of 40, but unfortunately he died at the age of 42.
How come... I wonder how much it costs to buy this annuity insurance. After only two years of annuity, there is nothing left. This loss is too great.
I won't continue to introduce the protection of receiving multiple annuity insurance. If you want to know more in-depth analysis, you might as well look at the introduction of experts:
Does "202 1 Fude Life Insurance" reap a lot "annuity insurance have high income? Don't be cheated! 》
Second, what is the income from receiving a large amount of annuity insurance, and is it high?
Lingduo annuity insurance does not provide universal account, and the annuity cannot be added twice. So it can be said that its annuity is fixed for me, and the key to its income is to see how many annuities are needed.
So, in order to help you better understand, senior sister will give you an example:
Suppose Mr. Lin, 30 years old, has taken out a lot of annuity insurance and paid 65,438+10,000 yuan every year for three years, choosing to receive it regularly. When he is 79, he can receive an annuity at 40.
I arranged Mr. Lin's income in the following figure:
Cash flow is easy to understand. Excluding the premium expenses of the previous three years, you can receive annuity insurance 17300 yuan every year.
Irr is the internal rate of return. If you want to know the benefits during the guarantee period of these decades, you can look at the irr value. For example, inflation and other factors are considered, so there is such a value.
When Mr. Lin was 79 years old, the internal rate of return was only 3.2 1%, and the yield of better products on the market could reach about 4%.
We must see the reality clearly, and the income from receiving annuity insurance is not so good.
Understandably, getting a lot of annuity insurance protection has many traps and bad returns. For this kind of products, senior sister doesn't recommend you to buy them.
If you want to buy high-yield products, you can consider annuity insurance:
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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 top student, the official account of WeChat, 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.
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