Please eat the following guidelines to avoid the pit of annuity insurance for everyone:
Learn this trick and stay away from the 99% pit of annuity insurance.
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 aged from 28 days to 65 years old can apply for pension insurance. Most annuity insurance products on the market will be limited to 55 years old. Compared with other products of the same model on the market, Master Sheng's annuity insurance has fewer age restrictions, so it is really good to include more elderly people in the coverage!
Flexible payment period
There are three options for people to choose the payment period of the old-age insurance, namely, batch payment, three-year payment and five-year payment. The insured chooses to meet the public demand according to their own conditions.
2. Guarantee content
There are few aspects involved in the protection responsibility of the welfare annuity insurance, and the content only involves the 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 provide the insured with an annual annuity with the basic insurance amount written in the contract, and the payment will continue until the death of the insured, and the contract will be declared invalid at the same time.
For example, Xiao Ming, 30, has insured himself with a prosperous life annuity insurance. If he chooses to pay 30,000 yuan every year for three years, then Xiaoming will get the basic guarantee of 380 1 yuan every year from the third year. The longer he lives, the more survival money he can get.
Death insurance means that in case the insured dies within the specified guarantee time, the insurance company will choose the maximum value between the cash value of the policy and the premium paid. Because the premium paid may also be lower than the cash value of long-term insurance, for the insured, such an insurance company can maximize the interests of both parties.
If you want to know more about the protection content of Guohua Shishengfu, you may wish to poke the following:
Where is the so-called invincible annuity insurance? 》
The insurance rules of Fu Annuity Insurance have been completed, and the content of protection has also been completed. Next, let's talk about income. Take three-year life insurance as an example. Now let me do a calculation for you.
2. How about Guohua Fu's three-year life insurance plan?
Let's share with you the income demonstration chart of Guohua Fu's three-year life insurance plan:
Master Guo Huasheng's demonstration map
Judging from the demonstration diagram, it will take 30 years for a 30-year-old man to get his money back for Guohua Shi Shengfu, provided that he pays 30,000 yuan a year for three years. I believe many people are disappointed to see this place. That's not the worst. At the age of 60, the internal rate of return of this policy is only 1%. It must be understood that the IRR rate brought by most annuity insurance in the market is 3%-3.5%, and Guohua Shengshi Fu is really worse than others!
Generally speaking, regarding the return time, Guohua Shengshi Fu Annuity Insurance takes a long time and the yield is lower, so it is not recommended that you buy this product. If you want to buy a wealth management product with higher income, it is recommended to compare the excellent annuity insurance on the market. Here, Senior Sister tidied it up. You can have a look:
Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
Write it at the end
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