If you want to know more about this product, you can also check out this evaluation article:
Where is the so-called invincible annuity insurance? 》
1. What are the advantages and disadvantages of Guohua Shi Shengfu?
1, insurance rules
A wider insurance age.
Obviously, the insurance age of Fu annuity insurance is from 28 days after birth to 65 years old. Most annuity insurance products on the market will be limited to 55 years old. In contrast, the age limit of Fu annuity insurance is less than other similar products on the market, so that more elderly people can insure this product, which is really trustworthy!
Flexible payment period
There are three options for the payment period of Fu endowment insurance, namely, batch payment, 3-year payment and 5-year payment. The insured can choose according to his own situation to meet the needs of different customers.
2. Guarantee content
There are few aspects involved in the protection responsibility of the welfare annuity insurance, only two parts: survival insurance and death insurance.
Survival insurance means that there is a clear age in the insurance contract. When reaching the age, the insured can receive the basic insurance amount for life according to the contents of the contract, and provide the insured with an annuity once a year until the insured dies and the contract is terminated.
For example, 30-year-old Xiao Ming chose Fu annuity insurance as a guarantee. If he chooses to pay 30,000 yuan a year and then pay for three years, he can receive the basic insurance amount of 380 1 yuan every year from the third year. The longer he exists, the more survival money he gets.
Death insurance refers to that if the insured dies within the protection period, the insurance company chooses the highest cash price of the policy and the premium paid as the death compensation. However, the cash value of long-term insurance may also be higher than the premium paid. For the insured, this setting of the insurance company can maximize the interests of the insured.
The insurance rules and security related contents of Shi Shengfu's pension annuity insurance have all been completed, and this guide to avoiding the pit of pension annuity insurance is given to everyone:
Learn this trick and stay away from the 99% pit of annuity insurance.
Let's start with income. Let's 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 show you the benefits of Guohua Fu's three-year life insurance plan:
From the demonstration diagram, it can be concluded that if a 30-year-old male chooses Master Guo Huasheng and pays 30,000 yuan every year for three years, it will take 30 years to return to his capital. I believe that most people are discouraged. Moreover, by the age of 60, the internal rate of return of this policy can only reach 1%. You know, most of the annuity insurance on the market can achieve an IRR rate of return between 3% and 3.5%. Compared with others, the rate of return of Guohua Fu is really poor!
Considering all aspects, regarding the return time, Guohua Shengshi Fu Annuity Insurance takes a long time, and the yield is even lower than that of life insurance, so it is not recommended to use this product. If you want to buy wealth management products, especially high-yield wealth management products, I suggest roughly comparing the excellent annuity insurance on the market. Here we have compiled excellent annuity insurance for you:
Want to buy high-yield financial insurance? Don't miss this 10 model! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to top student, the official account of WeChat, and ask me about insurance.
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!