There are also many small partners asking, is Xinxin's accompanying annuity insurance really so cost-effective? Is it really worth buying? Today, the senior sister will give you an analysis!
If you want to study what pits annuity insurance generally has, the following article is worth reading:
Learn this trick and stay away from the 99% pit of annuity insurance.
First of all, we have a deep understanding of the product schematic diagram of PICC Life Sincere Companion Annuity Insurance:
Zhenxin accompanying annuity insurance belongs to life insurance, which belongs to medium and long-term financial management insurance, and the guarantee period is only thirteen years. If you want to buy Zhenxin's accompanying annuity insurance as a supplement to the old-age insurance, it is not so suitable, because the insurance period and the number of years you can receive are relatively short, and it is impossible to get money every year after retirement.
Friends who are considering PICC life insurance and attached annuity insurance need to pay more attention to these aspects:
First, the security content is single and the insurance leverage is not high.
From this picture, we know that the insurance liability of Zhenxin's incidental annuity insurance is not very complicated, including only annuity, expiration insurance and death insurance.
Zhenxin accompanying annuity insurance not only has no universal insurance account, but also can't receive dividends. This survival annuity can't be collected casually. Need to be insured for a certain period of time. Only after five years of insurance can you receive 100% survival annuity every year.
In addition, what attracts our attention is that Zhenxin's attached annuity insurance is a kind of life insurance and does not include disease protection. It is also required to choose one of "due insurance money" and "death insurance money" for insurance payment. When the premium expires after 13 years, if the insured has not died, the insurance company will pay 100% of the basic premium.
If it is the opposite situation-the insured died unfortunately during the insurance period, that is, I think the company will pay all the cash value of the policy, or all the residual value after deducting the expenses that should be deducted, the insurance contract will be terminated and the rest of the insurance will be terminated.
For example, because you want to enjoy the protection of high insurance value, you have insured the accompanying annuity insurance of Zhenxin. Senior sister should remind you to think more about it.
It is clearly written on the product drawings that the payment method of death insurance benefits attached to Zhenxin Annuity Insurance requires the cash value of the policy or the premium paid by the insured.
For example, there is only short-term annuity insurance with the insurance period of 13. At the beginning of the insurance period, the cash value of the policy is far less than the paid premium. If it is in the late insurance period, the gap with the paid premium is relatively small.
Although annuity insurance is based on life insurance, it is indeed much worse than term life insurance in terms of insurance leverage. If you prefer to buy highly leveraged life insurance, please know the following products:
Top ten life insurance rankings worth insuring! 》
Second, the speed of capital withdrawal is slow and the income is not considerable.
There is no bright spot about security. Will there be any characteristics in financial management?
After a rough calculation, it is impossible for senior students to consider making big money with financial insurance.
If Lao Wang bought this Zhenxin partner annuity insurance at the age of 30 and continued to pay according to the standard of one-year payment 10 years in 0 yuan, the accumulated basic insurance amount would be 265,590 yuan. When the insurance period expires, Old Wang Can receives the following benefits:
From the fifth year to the twelfth year after buying insurance, the insured can get 654.38+million annuities every year, with a total amount of 800,000.
If Lao Wang is still alive after the warranty period of 13 years, the insurance company will pay 265,590 yuan for the expired insurance.
Regardless of inflation and other issues for the time being, the net income of old Wang Can from insurance in 13 was as follows:
800,000+265590-65438+100,000 x 10 = 65590.
After paying the premium of1000000, I only got a profit of 65590, which is really speechless. Therefore, friends who are eager to make a fortune with annuity insurance should be careful. But there are also some gaps between different products. If you want a sound financial management method, you can recommend the following products.
"Top Ten Annuity Insurance Rankings ▏ Consider high-yield annuity insurance? This 10 missed the thigh! 》
Generally speaking, this product is not worth buying. However, if you want to obtain high value protection and wealth management appreciation, you can recommend other products.
If you want to spend less and save more, then you can take Zhenxin's annuity insurance with a guarantee period of 13 years as an alternative.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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