Recently, more and more people consult annuity insurance. Senior also noticed a friend's view on Guohua Shishengfu Annuity Insurance: "Guohua Shishengfu Annuity can be paid for three years, and the principal plus interest can be taken out." Sister Xue will show you today to see if this product is really so excellent!
The guide to avoid the pit of annuity insurance compiled for you is as follows: "Learn this trick and stay away from the pit of 99% annuity insurance."
1. What are the advantages and disadvantages of Guohua Shi Shengfu?
Fu endowment insurance protection map
1, insurance rules
The insurance age is relatively wide.
As can be seen from the figure, anyone who meets the conditions of 28 days to 65 years old can take out the pension insurance. 55 years old is the basic requirement for the insured age of most annuity insurance products on the market at present. Compared with other similar products on the market, the age limit of Fu annuity insurance is less, which makes more elderly people can insure this product, which is commendable!
Flexible payment period
There are three options for the payment period of Shi Shengfu's endowment insurance, namely, batch payment, three-year payment and five-year payment. The insured can choose to meet the public demand according to their own economic situation.
2. Guarantee content
The security responsibility of welfare annuity insurance is relatively small, which is divided into two parts: survival insurance and death insurance.
Survival insurance means that from the age stipulated in the insurance contract, the insurance company pays an annuity once a year for life according to the basic insurance amount until the insured dies and the contract is terminated.
For example, 30-year-old Xiaoming bought a prosperous annuity insurance. If he chooses to pay 30,000 yuan per year for three years, he will get the basic insurance amount of 380 1 yuan per year for the third year. The longer he lives, the more survival money he gets.
Death insurance means that if the insured dies within the protection period, the insurance company will choose the maximum value between the cash value of the policy and the premium paid. Because the cash value of long-term insurance may exceed the premium paid, for the insured, such a setting can maximize the benefits.
For more information about the pension insurance, please read this article: "Where is the pension insurance? Is it worth buying? 》
After talking about the security content and insurance rules of Fu annuity insurance, let's take three-year payment as an example to make a calculation.
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:
Master Guo Huasheng's demonstration map
Judging from the demonstration diagram, if a 30-year-old male chooses Master Guo Huasheng, he will pay 30,000 yuan a year for three years and return to his capital in 30 years. Seeing this, I believe most people are disappointed with it. Moreover, the internal rate of return of this policy at the age of 60 is only 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, it is not easy for Guohua Shengshi Fu Annuity Insurance to recover its capital. It takes a long time and the yield is not ideal. I suggest you look at other annuity insurance products. If you want to buy high-yield wealth management products and excellent annuity insurance on the market, it is recommended to compare more. Regarding the excellent annuity insurance on the market, the senior sister has arranged it for everyone: "Want to buy high-yield financial insurance? Don't miss this 10 model! 》
Write it at the end
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