Is Guohua Shi Shengfu really that good? Is there a pit? Senior sister will take you to explore immediately!
The pit of annuity insurance is here to summarize for you:
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 age of the insured is relatively wide: as can be seen from the above figure, people between the ages of 28 days and 65 can apply for pension insurance. Most people who are limited to 55 years old are annuity insurance products on the market. The age limit of pension insurance is lower than other similar products on the market, thus bringing more elderly people into the insurance scope. It's really good!
Flexible payment period: There are three options for the payment period of Fu annuity insurance, including wholesale payment, 3-year payment and 5-year payment. The insured can choose by himself to meet the public demand.
I wonder what a barge is. This article can tell you the answer: "What is barter? What are the benefits? 》
2. Guarantee content
The security responsibility of welfare annuity insurance is not complicated, and it consists of survival insurance and death insurance.
Survival insurance means that after reaching the age stipulated in the insurance contract, the insurance company gives the insured an annuity year by year according to the basic insurance amount received for life. This way will continue until the death of the insured and the contract will no longer take effect.
For example, when Xiao Ming was 30 years old, he bought an annuity insurance, chose to pay it for 3 years, and then paid 30 thousand every year. In the third year of payment, you can get the basic insurance amount of 38,065,438+0 yuan every year. The longer he lives, the more survival money he gets.
How much is the death insurance? If the insured dies within the effective period of insurance, the insurance company will choose the greater value between the cash value of the policy and the premium paid. Because the premium paid may also be lower than the cash value of long-term insurance, such a setting can maximize the interests of insurance companies and policyholders.
I have completed the coverage and insurance rules of the annuity insurance. Below I will tell you about the benefits and make a calculation for you with three-year life insurance.
2. How about Guohua Fu's three-year life insurance plan?
Let's share with you the income demonstration chart of Guohua Fu's three-year life insurance plan:
As can be seen from the demonstration diagram, Master Guo Huasheng needs a 30-year-old male to have sex for 3 years, 30,000 a year, which can be repaid in 30 years. Seeing this, I believe most people's hearts are cold.
Not only that, the internal rate of return of Guohua Shengshifu at the age of 60 is 1%.
You know, the IRR yield of most annuity insurance in the market is basically 3%-3.5%. In contrast, the yield of Guohua Fu is really bad!
Generally speaking, Guohua Shengshi Fu Annuity Insurance is not easy to recover the principal, and it takes a long time and the yield is so low that people doubt their life. Don't buy this product. If you want to buy wealth management products, especially high-yield wealth management products, I suggest you compare the excellent annuity insurance on the market. The following is a list for everyone:
Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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