Before we start, I want to tell you that annuity insurance has many pits to avoid:
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.
It is not difficult to see from the picture that anyone who meets the conditions of 28 days -65 years old can apply for pension insurance. Most annuity insurance products on the market should be limited to 55 years old. Compared with other products of the same model on the market, Master Sheng's annuity insurance has fewer age restrictions and more elderly people are included in the scope of protection, which is very humanized and worth choosing!
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 abilities and needs, so as to meet the needs of different customers.
2. Guarantee content
The guarantee responsibility of welfare annuity insurance is not complicated, that is, survival insurance and death insurance.
Survival insurance means that after reaching the age stipulated in the insurance contract, the insurance company pays the insured an annuity for life according to the basic insurance amount every year until the insured dies and the contract guarantee disappears.
For example, 30-year-old Xiaoming bought a golden age annuity insurance and chose to pay 30,000 yuan a year for three years. Then in the third year, he will get the basic insurance amount of 38,065,438+0 yuan every year. The longer he lives, the more money he has.
Definition of death insurance: 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 be higher than the premium paid, such a setting can maximize the interests of the insured.
If you want to see the disadvantages of Fu annuity insurance, you can click below to find out ~
Where is the so-called invincible annuity insurance? Are there any shortcomings? 》
The insurance rules and protection related contents of the welfare annuity insurance have all been completed. Then, let's talk about the income and calculate it for everyone with three years of life insurance.
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:
As can be seen from the demonstration diagram, the 30-year-old male chooses to pay back Master Huasheng 30,000 yuan a year, and it will take three years to pay back the money. Seeing this, I believe that most people are discouraged. Moreover, the internal rate of return of this policy at the age of 60 is only 1%. It must be clear that IRR is the internal rate of return, and many annuity insurances on the market are about 3%-3.5%. In contrast, the rate of return of Guohua Fu is really bad!
Considering all factors, Guohua Fu Annuity Insurance has a long recovery period and a low yield. So just skip this product. For high-yield wealth management products, if you want to start, it is recommended to generally compare the excellent annuity insurance on the market, which has been sorted out here:
Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
Write it at the end
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