There are two forms of annuity return:
1. If the payment period is 3 years, an annuity will be paid at 60% of the annual premium determined according to the basic contract amount;
2. If the payment period is 5 years, the annuity shall be paid according to the annual premium 100% determined by the basic contract amount.
For example, a 30-year-old man pays for five years and pays 654.38+ 10,000 yuan a year. The payment period is 30-34 years old, and at the age of 35-39, he can receive 6,543,800 yuan per year, which means that all the money paid in the first five years has been brought back. In the last year, at the age of 40, he took away 38,800. In the end, the actual IRR yield is only 1.44%, and even the one-year time deposit of the bank is 1.75%. The income is average, so the significance of this product is not great.
Let's start with the tempting universal account. Although the income of universal account fluctuates, it will still stipulate a guaranteed income. As can be seen from the figure, the guaranteed income of Xinxiang Supreme Universal Account is 2.5%, and there are three options with higher policy income, namely, the assumed mid-range income is 4.5% and the high-end income is 6%. There is nothing to say about a universal account with a guaranteed income of 2.5%, but the assumed interest rate of 5.3% demonstrated is really a bit boastful. As we all know, in the past, China Life did not have an annuity insurance universal account to achieve a settlement interest rate of 5.3% for more than ten years, and the interest rate data was basically at the level of 3.7%.
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Investment is risky, financial management needs to be cautious, and enjoying the supreme income is very general. I suggest you compare several products and choose the one with the highest benefit before proceeding carefully.