So is there a pit in this product? Is it worth buying? The following sister will give you an in-depth evaluation! Click the link below to get a sneak peek at the true face of China Life Hongfu Annuity Insurance:
"Online said Guo Shouxin enjoy Hongfu low income? Is it true?/You don't say. /You don't say. 》
1. How does China Life enjoy Hongfu Annuity Insurance?
Well, before it's too late, let's take a look at the protection map of Guo Shouxin's Hongfu annuity insurance with this senior:
A cursory look at the coverage of Guo Shouxin's Hongfu Annuity Insurance is not much, so Senior Sister takes the insurance conditions of the 30-year-old man in the above picture as an example to tell everyone about Guo Shouxin's enjoyment of Hongfu:
1. Survival and expiration insurance
In the fifth year when China Life enjoys Hongfu Annuity Insurance, this date shall be taken as the effective corresponding date for receiving the annuity. After that, you can receive the survival insurance money on the effective corresponding day every year, but the insured must exist.
Suppose you pay 1 0,000 yuan a year, a * * 50,000 yuan, and receive 1 a year from the fifth year, 600 yuan. Upon expiration, a * * will get 1600 yuan. Add the due insurance premium, that is, the sum of the paid insurance premium of 50,000 yuan and 102 1 yuan, and you can get 6702 1 yuan in total.
Can the increase of more than 10 thousand yuan catch up with the inflation rate during 15 years? You can imagine the difference between 10 thousand yuan in 2005 and 10 thousand yuan today, but they are all senior three students.
2. Death insurance
If the insured dies during the insurance period, the cash value is no problem. According to the difference between the paid premium and the annuity that can only be recovered, the maximum value is between the two.
Direct payment of paid premiums or large cash value is the main way of annuity insurance for death protection in the market at present. After comparison, the setting of China Life's happiness is somewhat weak.
A good annuity insurance not only depends on these two guarantees, but also has many problems to pay attention to! Browse below to see what pits there are:
Learn this trick and stay away from the 99% pit of annuity insurance.
Second, does Guo Shouxin's Hongfu annuity insurance have a high income?
Most people must be the first to care about Guo Shouxin enjoying the benefits of Hongfu. According to the above, if you insure according to the above requirements, the amount you can finally get is not too much.
And China Life's new Hongfu can also be accompanied by a universal whole life insurance, so if Xin Zunbao's whole life insurance universal A, the returned amount can be automatically deposited into the universal account and then compound interest to increase the value, and the income can be more flexible.
China Life Xinxiang Hongfu increased the guaranteed interest rate of universal account to 2.5%. Let's do the math together. We can transfer the collected amount to the universal account according to the above insurance conditions, and the income is shown in the following figure:
If you receive the cash value in 16 years when you set up your account, you can only get 7054 1 yuan. As can be seen from the calculated IRR data, the income performance is still very general!
So I'm not satisfied with China Life's Hongfu annuity insurance, but the overall income is not good. This kind of annuity insurance has a relatively short term and the speed of returning to the capital is very slow. Not only that, but the benefits of attaching a universal account are also worrying. If you want to buy with high yield, the result is likely to disappoint you.
On the whole, China Life's Hongfu annuity insurance is not worth buying because of its low cost performance, incomplete protection and average income performance.
If you want to buy more cost-effective annuity insurance, you can consider other products on the market. Here are some cost-effective annuity insurance for your reference before buying:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
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