The annuity insurance pit avoidance guide compiled for you is as follows:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. What are the advantages and disadvantages of Guohua Shi Shengfu?
1, insurance rules
The insurance age is relatively wide.
The above picture shows us that people aged 28-65 are supported by pension insurance. Compared with other annuity insurance products with age limit of 55 years on the market, Fu annuity insurance has obvious age limit advantages and much looser restrictions, so that more elderly people can insure this product, which is really commendable!
Flexible payment period
There are three payment years to choose from, namely, batch payment, three-year payment and five-year payment. The insured can choose according to their own economic situation, and different customers can meet their own needs.
2. Guarantee content
There is not much guarantee responsibility in the annuity insurance, including survival insurance and death insurance.
Survival insurance means that after reaching the age stipulated in the insurance contract, the insurance company provides the insured with a life annuity according to the basic insurance amount every year, which lasts until the insured dies and the contract becomes invalid.
For example, 30-year-old Xiaoming bought a prosperous annuity insurance. If he chooses to pay 30,000 yuan every year for three years, he can receive the basic insurance amount of 380 1 yuan provided by the insurance company every year from the third year of premium payment. The longer he lives, the more survival money he can get.
Death insurance is: if the insured unfortunately ends his life during the guarantee period, the insurance company will choose the highest cash price of the policy and the premium paid as compensation for his death. Because the premium paid may also be lower than the cash value of long-term insurance, so for the insured, this setting of insurance company can maximize their interests.
From this point of view, the pension insurance looks pretty good, but is it really like this?
What are the disadvantages of "Shi Shengfu Annuity Insurance"? 》
Completed the insurance rules and security contents of the welfare pension insurance. Next, we will discuss income. I'll use the three-year life insurance to calculate it for you.
2. How about Guohua Fu's three-year life insurance plan?
The following is a welfare demonstration of Guohua Fu's three-year life insurance plan:
Judging from the demonstration diagram, a 30-year-old man paid 30,000 yuan a year when he was insured for Master Guo Huasheng, and it took 30 years to return to his capital. Seeing this, I believe many people have given up hope. Not only that, by the age of 60, the IRR of this policy can only reach 1%, that is, the IRR of many annuity insurances on the market is probably 3%-3.5%, which is really bad for the yield of Guohua Shengshi Fu!
Generally speaking, it takes a long time for Guohua Fu Annuity Insurance to recover its capital, and the yield is lower. Just look at this product. Regarding wealth management products, if you want to buy high-yield products, I suggest you compare the excellent annuity insurance on the market. Everything you want to know is sorted out here:
Top ten financial and insurance rankings! 》
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