It is said that this annuity insurance is the best Children's Day gift for children and attracts many parents.
Next, seniors should evaluate this product to see if it is really that good!
Senior summarized a relatively refined evaluation content, and friends who are pressed for time can have a look:
City Baby (Type B) Annuity Insurance (Dividend Type) Real Income Exposure!
First, the coverage analysis of metropolitan baby (type B) annuity insurance (dividend type)!
Sister Xue sorted out its protection map for this product. You can analyze this map together first:
We can get such information from the protection map. Metropolitan Baby (Section B) annuity insurance (dividend-paying type) has set up a variety of different annuity payment methods, providing three annuity payment methods: education insurance, study insurance and maturity insurance.
When the guarantee expires, that is, when the insured is 60 years old, he can receive 5 times of the basic insurance amount at one time!
However, this has attracted the attention of many parents. However, after the in-depth analysis of the senior sister, many hidden tricks of the subway baby (type B) annuity insurance (dividend type) have been dug up! I'll explain it to you in detail right away ~
1, death protection is not enough.
The death insurance premium provided by Metropolitan Baby (Type B) Annuity Insurance (dividend-paying type) can only pay the greater of the paid premium and cash value.
This guarantee is not strong at all!
We should take a long-term view. When the children reach their thirties and forties, the family's financial problems will be transferred to the children and they will begin to assume the responsibility of supporting their parents.
There is also a small family, as well as a lot of expenses, children, mortgage, car loan and so on.
At this critical time, the higher the death insurance premium that can be paid, the better, so as to avoid the family falling into economic crisis.
Therefore, the minimum amount of annual death insurance on the market is 120%, and if it is high, it can reach 160%, which is relatively sufficient.
Metropolitan Baby (B) Annuity Insurance (dividend-paying) obviously doesn't take this into account, which is so unfriendly!
2. Dividends are uncertain.
Perhaps the most attractive thing for parents is the policy bonus. In view of this weakness of parents, many bad agents generally demonstrate the income according to the high-grade dividend income when calculating the income.
According to this situation, the income looks exciting, then you are fooled!
The most striking feature of dividend distribution is that it cannot be accurately judged!
Because the distribution of dividends is closely related to the actual operating conditions of insurance companies, and the performance of insurance companies is not good, then it is very likely that dividends will not be received in that year.
Moreover, consumers have no right to ask insurance companies to explain their actual operations.
In short, even the dividends received in that year, consumers can only know the relevant situation of dividends when they receive the dividend notice.
If you want to earn a lot of money by paying dividends, you can only say that you think too much ~
There are still many loopholes in dividend insurance, and the length of the space is insufficient. Senior sister won't explain in detail. Interested partners can go to this article to find out:
Why are the complaints about dividend insurance so high? Unveil the mystery of dividend insurance
The key to buying annuity insurance is the performance of income. But after calculating the income of this product, the senior sister was shocked. Metropolitan Baby (B) Annuity Insurance (Dividend-paying) The income of this product is really bizarre!
Second, the real income of Metropolitan Baby (Type B) Annuity Insurance (Dividend) is announced!
To look at the income of annuity insurance, we should not only look at the rate of return calculated on the surface, but also look at the internal rate of return IRR.
Internal rate of return (IRR) actually means that the total amount of capital inflow and capital outflow is equal, and the discount rate of net present value is equal to zero. This is equivalent to, as long as the internal rate of return IRR increases more obviously, the corresponding income of this annuity insurance is also more gratifying.
Let's work with you to calculate the internal rate of return (IRR) of Metro Baby (Type B) Annuity Insurance (Dividend Type)!
The 30-year-old Lao Wang has insured his 0-year-old baby, Jiang Mumu, with the Metropolitan Baby (Type B) annuity insurance (dividend-sharing type).
Choose to pay the premium of 230,930 yuan, and the basic insurance amount is 654.38+10,000 yuan.
1, education grant
When Jiang Mumu's age is 18-2 1 year, he can receive 25% of the basic security amount, that is, 25,000 yuan, and pay a total of 654.38+million yuan during the period.
2. Scholarship for further study
When Jiang Mumu is 22 to 24 years old, she will receive 30% of the basic insurance every year, that is, 30,000 yuan, which is 90,000 yuan in three years.
3. Payment due
When Mu Mu is 60 years old, she can get 500,000 yuan, or get it once, which is 500% of the basic insurance amount.
There are many ways to receive annuities, and you can get benefits at every different stage of your child's life. It's really excellent. Is it really what it says?
By the time Jiang Mumu reached the age of 24, all the annuities received were10+9 =19,000 yuan, which did not exceed the premiums paid.
If you choose to surrender at this time, the cash value of 1 18000 yuan will be taken away by you, totaling11.8+19 = 308000 yuan.
Through calculation, the IRR at this time is only about 1.37%!
If you don't decide to surrender at this time, by the end of the guarantee period, the internal rate of return of Metro Baby (Type B) annuity insurance (dividend-paying) is only 2.5 1%!
At present, there are many annuity insurance, and the IRR is greater than 3%. Metropolitan baby (type B) annuity insurance (dividend insurance) is at a disadvantage compared with the past and has no advantage!
Third, the summary of the senior sister
To sum up, the metropolitan baby (type B) annuity insurance (dividend insurance) is not only tricky, but also has low returns. Parents who are interested in insuring their children should think more!
There are many high-yield annuity insurance in the market, and it is safest to shop around and re-insure! Intimate seniors also compiled a high-yield annuity insurance product information. Parents and friends in need can click here:
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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