But there are many kinds of annuity insurance products on the market, which one is more suitable for purchase? Take Tianfu 1 (Jufu Edition) annuity insurance and Yishui annual annuity insurance, which are popular in the market, as an example, to see which product is worth considering?
Before the official start, the intimate seniors will arrange an insurance knowledge for everyone, with interest stamps:
"Super complete! Everything you want to know about insurance is here.
First, Tianfu No.1 (Jufu Edition) reveals the responsibility of annuity insurance protection!
Sister Xue first posted the protection map of Tianfu 1 (Jufu Edition) annuity insurance for everyone to see:
It can be known that Tianfu 1 (Jufu Edition) annuity insurance has a relatively long guarantee period, ending at 24: 00 on the corresponding day when the insured reaches the age of 105, which is suitable for people pursuing long-term financial planning.
This product has set up the guarantee responsibilities of main products such as survival insurance, endowment insurance and death insurance. In addition, the product also provides policy loans, insurance reduction, automatic payment of premiums and other rights and interests.
Below, Xuejie will give you an in-depth analysis of this product:
1, with a wide age range.
As can be seen from the above protection map, Tianfu 1 (Jufu Edition) annuity insurance can be insured by people aged 0 to 70, and the upper limit of the insurance age is 70. This insurance coverage is suitable for more people and can meet the needs of many people.
2. The choice of payment period is rich.
The annuity insurance of Tianfu 1 (Jufu Edition) has six payment periods, which is quite flexible! The insured can choose not only wholesale payment, but also 3-year payment, 5-year payment, 10-year payment, 15-year payment and 20-year payment.
If it is a group with sufficient economy, as long as all the premiums are paid at one time, you can choose to pay in batches, avoiding the trouble of paying regularly; If the funds are tight, you can choose a longer payment period to reduce the payment pressure.
3. The income of universal account is uncertain.
Consumers will also attach a universal account when participating in Tianfu 1 (Jufu Edition) annuity insurance products, and they can choose one of Futai 1, Supreme (Celebration Edition) and Zunying account.
Then the money we deposit in the universal account will increase in value at a certain interest rate, realizing the second appreciation of funds.
However, the general account also has great uncertainty. Generally, only funds with guaranteed interest rate can be obtained, and the income beyond the guaranteed interest rate cannot be determined. Moreover, most universal accounts will charge certain management fees and risk fees. Every year, so you should pay special attention when you insure.
If you are not familiar with annuity insurance, you can look at this article by Senior Sister:
Learn this trick and stay away from the 99% pit of annuity insurance.
Second, the annual annuity insurance protection responsibility is open!
Let's take a look at the protection map of annual annuity insurance:
1, analysis of insurance rules
The age requirement of annual annuity insurance is that you should be born between 28 days and 49 years old. Compared with Tianfu 1 (Jufu Edition) annuity insurance, the age range of this product is very small.
The annual annuity insurance guarantee time reaches 106 years old, and it is also suitable for people with long-term capital planning needs to buy.
However, the payment method of annual annuity insurance is only set in stages: including 3-year payment, 5-year payment, 10 year payment, 15 year payment and 20 years payment. This product is not very satisfactory for people who want to pay in bulk, and it is not very good.
2. Analysis of guarantee responsibility
The annual annuity insurance in the first year of life is guaranteed by congratulations insurance, survival insurance and death insurance. In addition, the product also has the rights of policy loan, automatic prepayment, repayment reduction and so on. Among them, the survival insurance can be paid annually or monthly. This product has many age groups and can be selected according to your actual situation.
The insured can get the survival insurance money paid by the insurance company on a monthly or annual basis when he is still alive at the age of his choice, provided that he can get it before 8 1 one year old (excluding 8 1 policy anniversary). In other words, if he dies unfortunately during the guarantee period, the insurance company will pay the remaining unpaid survival insurance money to the beneficiary, which is quite thoughtful.
Third, insurance advice.
Generally speaking, Tianfu 1 (Jufu Edition) annuity insurance and Suisui annuity insurance have their own advantages and precautions, and their overall performance is very general. Senior sister suggests that you compare other similar products and find a product with high cost performance that suits you.
So what are the financial risks worth insuring in the market? Senior tells you:
"Top Ten Financial Insurance Rankings ▏ Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
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