The following sister will give you an in-depth evaluation! The following article can help you get familiar with annuity insurance in advance. If you don't know, let's take a look:
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.
From this, it can be inferred that people aged between 28 days and 65 years can apply for pension insurance. Most annuity insurance products on the market should be limited to 55 years old. In contrast, the age limit of Fu pension annuity insurance has obvious advantages, and the restrictions are much less, which can allow more elderly people to be included in the insurance scope. It is really trustworthy!
Flexible payment period
The payment period of Shi Shengfu annuity insurance is not only one choice, but three, namely one payment, three-year payment and five-year payment. The insured can choose what suits them and meet the public demand.
What should I pay attention to when choosing the payment period? Let's see what the experts say:
"How to choose the payment period so as not to lose money? 》
2. Guarantee content
The content of the guarantee responsibility of the welfare annuity insurance is not much, including only the survival insurance and the death insurance.
Survival insurance means that from the age specified in the insurance contract, the insurance company will provide the insured with an annual annuity according to the basic insurance amount for life until the insured dies and the contract is declared 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. From the third year, he can get the basic insurance amount of 380 1 yuan every year. The longer he lives, the more survival money he gets.
How much is the death insurance? Assuming that the insured dies during the insurance coverage period, the insurance company will choose the maximum value between the cash value of the policy and the premium paid. Since the cash value of long-term insurance may also exceed the premium paid, from the perspective of the insured, such a setting of insurance companies can maximize their interests.
We have completed the insurance rules and guarantee contents of the annuity insurance. Let's talk about the income first, and calculate it for everyone who has three-year 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 pays 30,000 yuan for Master Guo Huasheng every year according to three years, and it will take 30 years to return to his capital. Knowing this, I believe most people are discouraged. Not only that, at the age of 60, Guohua Shengshi Fu only had an internal rate of return of 1%. You know, many annuity insurances in IRR yield industry have reached 3%-3.5%. Compared with others, Guohua Shengshi Fu's yield is really poor!
Generally speaking, Guohua Fu Annuity Insurance is not very cost-effective. It does not include total disability protection, and the content of protection is not very comprehensive. Moreover, there are fewer types of annuities, only survival insurance. So, on the whole, it is not worth buying.
It is best to choose annuity insurance with more comprehensive protection and higher cost performance in the market:
"Top Ten Financial Insurance Rankings ▏ Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
Write it at the end
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