Then, what is the income of Hongfu Supreme Annuity Insurance? Can it meet the standard of high-quality annuity insurance? Let the senior sister reveal the answer below.
What is the income of Hongfu Supreme? The article tells you the details: How much did "China Life Insurance" Hongfu Supreme benefit? I was dumbfounded after reading it.
I. Analysis of Hongfu's Maximum Guarantee Content
The protection content of Hongfu Supreme is simple and clear. Income and death protection are two main parts. Income includes annuity, survival fund and maturity fund. Details can be understood from the following figure:
Let's first take a look at the guarantee content of Hongfu Supreme, and see its shortcomings and better.
& gt& gt advantage
1, flexible payment period
Hongfu Supreme has three payment methods, namely, 3-year payment, 5-year payment and 10-year payment. We can choose the one that suits us according to our actual income and future planning.
2. Support annuity conversion
The so-called annuity conversion means: generally speaking, the insured's contract can only take effect after the insurer agrees, so the insurance money obtained is converted into another annuity insurance.
When Hongfu Supreme Policy expires, if you want to get more benefits, you can ask to change the insurance money into other products, which is quite convenient without going through the formalities of insurance and audit.
& gt& gt insufficient
Death guarantee is not strong.
Regarding the death protection of Hongfu Supreme, only the paid premium is returned, while most products of the same type have extra compensation or a large amount (premium, insured amount, cash value).
For the pillar of the family, once unfortunately passed away, the family's daily expenses, children's education expenses, mortgages and so on. No source.
There are still many shortcomings in Hongfu Supreme's death guarantee.
In fact, as I said before, the most important thing to buy annuity insurance is the rate of return, so the advantages and disadvantages of Hongfu Supreme are relatively unimportant. What matters is what kind of rate of return it has.
Second, Hongfu's supreme rate of return is exposed!
Taking a 30-year-old male as an example, the IRR is calculated with the annual payment of 10 and the annual premium of10,000 (the basic insurance amount is 24,820 yuan). The specific results are as follows:
Finally, it is concluded that the IRR of Hongfu Supreme is only 2%, which is a little worse than the bank's fixed interest rate (2.75%). Even if Hongfu Supreme is growing with compound interest, there is still a big gap.
If some annuity insurance yields are high, IRR can reach 3% or even 4%, and the gap between Hongfu and Supreme is a bit big.
What are the high-yield annuity insurances worth buying? It is enough to read this list: "Want to buy high-yield annuity insurance? These models 10 are worth buying! 》
Maybe some people think it's strange: "Is that strange?" Then it has a universal account! "
Take your time, senior. I'll break it for you this time ~
1, dividend issue
The so-called dividend is that the insurance company will draw a part of the company's disposable surplus every year and distribute it to the insured in a profitable way.
The dividends of insurance companies mainly come from three aspects: dead difference, spread and fee difference.
Generally speaking, the dividends of insurance companies are matched with the actual operating amount, and there is no cap, but there may be no dividends.
In addition, the dividends and profits of insurance companies are opaque, which are arranged by insurance companies themselves.
2. General account
Universal account can be understood as: the survival fund (annuity) returned to you by the insurance company. If you are not in such a hurry to use it, I suggest you deposit it in a universal account to realize appreciation.
Universal accounts are generally divided into three kinds of interest rates, one is guaranteed rate of return, the other is mid-range interest rate and the other is high-grade interest rate. In addition to the above-mentioned "three rates", there is also the actual settlement interest rate of an insurance company.
From this point of view, when universal accounts and new products are issued, the settlement interest rate is still very high, with a percentage of about 5%. However, this settlement interest rate will decrease according to real-time changes, but the final interest rate will be controlled at around 3%-4%.
Finally, let's learn the pit avoidance skills of annuity insurance: "Learn this method to avoid 99% pits of annuity insurance"
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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