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?
1, insurance rules
The insurance age is relatively wide.
The above picture shows that people between the ages of 28 days and 65 can be insured in Master Sheng's annuity 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 smaller, which makes more elderly people included in the insurance coverage. It's really good!
Flexible payment period
Shi Shengfu's pension annuity insurance has three payment cycles, namely, batch payment, three-year payment and five-year payment, and the insured can choose to meet the needs of the public according to their own abilities.
2. Guarantee content
The guarantee responsibility of the welfare annuity insurance is very simple, only the survival insurance and the death insurance.
Survival insurance means that there is a clear age in the insurance contract. At this age, the insurance company will provide the insured with an annuity every year according to the basic insurance amount for life, and the payment will be maintained until the death of the insured and the contract ends.
For example, 30-year-old Xiaoming chose Fu Annuity Insurance as a guarantee, and then he chose to pay 30,000 yuan every year for three years. Starting from the third year, he can receive the basic insurance amount of 380 1 yuan provided by the insurance company every year. The longer he lives, the more survival money he gets.
Death insurance refers to that if the insured dies within the protection period, the insurance company chooses the highest cash price of the policy and the premium paid as the death compensation. The possibility that the cash value of long-term insurance may exceed the premium paid is not ruled out. From the perspective of the insured, such a setting can maximize the interests of the insurance company and the insured.
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.
Then, let's talk about the benefits. I'll do the math for you with three-year life insurance.
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:
From the demonstration diagram, we know that the 30-year-old male pays for three years and invests 30,000 yuan for Master Guo Huasheng every year. It will take 30 years to return to his capital. Speaking of this part, I believe many people have the same feeling, that is disappointment. This is just one of them. At the age of 60, Guohua Shengshi Fu only had an internal rate of return of 1%. It should be clear that many annuity insurances are basically IRR rates of 3%-3.5%, and the yield of Guohua Shengshi Fu is really not good!
Considering all aspects, it takes a long time for Guohua Fu Annuity Insurance to recover its funds, and the rate of return is really unacceptable. So just skip this product. If you want to buy a high-yield wealth management product, I suggest comparing it with the excellent ones on the market. Regarding the excellent annuity insurance on the market, the senior sister sorted it out for everyone: "Want to buy high-yield wealth management insurance? Don't miss this 10 model again! 》
Write it at the end
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