Xin Xibao can get money every year, with high income?
1. What is the income of Xinxibao Annuity Insurance?
Not much to say, let's take a look at the protection content of Xinxibao Annuity Insurance:
In terms of protection content, Xinxibao annuity insurance is still good, including survival annuity+special care fund+care fund+death insurance, as well as critical illness insurance and universal account. It is really a universal insurance that many people think.
However, everyone still focuses on the income of Xinxibao Annuity Insurance. Let's discuss it together.
Suppose that the 30-year-old Lao Wang has purchased Xinxibao Annuity Insurance, and the premium in the first year is usually 50,000, which can be paid in the next ten years. The specific benefits are as follows:
Although it seems that you have to pay 25,000 yuan a year after you are 35 years old, the insurer can still get 50,000 yuan when you are 35 years old. If the insurer expires in 20 years, the insured can get a basic insurance amount of 25,000 yuan +2 19250 yuan, which seems quite a lot.
However, after the expiration, the irr internal income of Xinxibao Annuity Insurance is not high, only 2.87%. Generally, the irr of excellent wealth management insurance will be above 3.5% under the same market conditions, and the income of Xinxibao annuity insurance is really average.
You may also think that the salesman has the income of explaining the main insurance, which is not very high However, the additional universal account is fierce, and the income can be as high as 5%.
But it's really not as good as I thought .. Let's browse Xin Xibao's universal account:
Xinxibao Annuity Insurance has two universal accounts, one with higher price in terms of initial expense deduction ratio and death insurance premium, and the other with lower price. In addition, the collection methods of risk protection fees are different, and the collection methods of annuities are also different.
Many people don't like universal accounts because there are still many expenses to be deducted from them. As can be seen from the table, let's assume that Lao Wang attached Xinyuan Pernod Universal Account when purchasing insurance, so Lao Wang's first survival fund will be transferred to his universal account. After going in, the initial fee of 1% will be deducted first, which means our 500 yuan will be deducted.
Not only that, but also the risk protection fee will be deducted every year. This risk protection fee is terrible and will increase with age. When the risk guarantee is100000, the 40-year-old male will be deducted 165 yuan, and the 50-year-old male will be deducted more, with a deduction of 425 yuan.
Therefore, the problems in this universal account are still relatively deep, and the senior sister can't finish talking here. If you want to know the secret of universal account, I recommend you to read the following article:
Is it really as good as advertised to manage money with universal insurance?
Second, the insurance value of Xinxibao Annuity is not worth recommending to buy.
As we all know, the income from the annual insurance of Xinxibao is not ideal, and there are many pits in the universal account, which most people can't tell. Senior sister doesn't think it is necessary for everyone to buy this product ~
If you want to benefit more from annuity insurance, I recommend you to look at the excellent annuity insurance summarized by your senior sister and choose the best one:
Prefer high-yield annuity insurance? This 10 is a great value!
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