Send me a guide to avoid the annuity insurance pit before opening: "Learn this trick and stay away from the 99% annuity insurance pit"
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 above picture, people between the ages of 28 days and 65 can apply for the Fu annuity insurance. Most annuity insurance products on the market should be limited to 55 years old. Comparatively speaking, the age limit of Master Sheng's annuity insurance is less, so that more elderly people can insure this product, which is really trustworthy!
Flexible payment period
Shi Shengfu pension annuity insurance has three payment cycles to choose from, namely, batch payment, three-year payment and five-year payment. The insured chooses according to his own situation to meet the different needs of customers.
2. Guarantee content
The content of the security responsibility of the welfare annuity insurance is not much, which is divided into two parts: survival insurance and death insurance.
Survival insurance means that from the age specified in the insurance contract, the insurance company gives the insured an annuity according to the basic insurance amount received for life every year until the insured dies and the contract becomes invalid.
For example, Xiao Ming, 30, bought a golden age annuity insurance, chose to pay it for 3 years, and then paid 30 thousand every year. Starting from the third year, the small account will receive the basic insurance premium 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 unfortunately ends his life during the guarantee period, which value is the greatest, the cash value or the premium paid, and which insurance company will choose to pay? Because it is possible that the cash value of long-term insurance will exceed the premium paid, for the insured, such an arrangement by the insurance company can maximize the interests of both parties.
Guo Guofu's introduction ends here. If you want to know more specific information, you can read this article: "Is Guohua Fu very good? I suggest you read this article first.
Next, let's discuss the benefits. 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?
The following is a welfare demonstration of Guohua Fu's three-year life insurance plan:
From the demonstration diagram, it is concluded that Master Guo Huasheng needs a 30-year-old male, who can pay for 3 years, 30,000 yuan a year, and can pay it back in 30 years. Speaking of this part, I believe that most people's hearts are cold. Moreover, by the age of 60, the IRR of this policy can only reach 1%. We must know that many annuity insurances on the market almost all show IRR of 3%-3.5%, and Guohua Fu is really worse than others!
Generally speaking, regarding the return time, Guohua Fu Annuity Insurance takes a long time, and the rate of return cannot be lower than it, so this product is not recommended for everyone to buy at all. If you want to buy high-yield wealth management products, regarding annuity insurance, it is recommended to compare the better ones on the market. Everything you want to know is sorted here: "Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
Write it at the end
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