Therefore, the senior sister also understands the feelings of so many young people who privately consult annuity insurance. Xinxibao Annuity Insurance, a product of China Life Insurance, is an insurance giant. A few days ago, a little friend asked me to test it. I will announce the evaluation results today. At the same time, I also take this opportunity to talk to you about the choice of annuity insurance.
Not much to say, Senior Sister, let me show you the routine of China Life Xinxibao Annuity Insurance!
1. How many ways do China Life Xinxibao Annuity Insurance receive money? Case analysis!
If you want to know about this product of China Life Xinxibao Annuity Insurance, Xue Jie has prepared a picture here:
Sister Xue briefly introduces the product form of China Life Xinxibao Annuity Insurance:
1. Wide insurance age
First of all, we can see that the insurance age of China Life Xinxibao Annuity Insurance is quite wide, and the maximum insurance age is limited to 75 years old.
Now, with the improvement of life expectancy, delaying retirement age is likely to become a reality. If you want to have more savings at the age of 75, then you must meet the characteristics of annuity insurance: "The more you pay, the more you get." If we start China Life Xinxibao Annuity Insurance, we will naturally get more money than this.
It is worth noting that if you choose to buy at the age of 75, you can only choose to keep it for 10 years. This will lead to the situation that the elderly can only get very low value after buying insurance.
For example, they invest 65,438+10,000 yuan every year, and the 75-year-old can only invest140,400 yuan, while under the same conditions, the 60-year-old can only invest147,900 yuan!
It goes without saying that after the guarantee period, the 75-year-old man can get very little nursing fee. In this way, the age range of China Life Insurance Xinxibao Annuity Insurance is so wide. Isn't this a different plan?
Of course, annuity insurance is still very good in adaptability, but ah, it should be noted that if all people are not so easy to mess with! The following article tells you how to avoid those pits. Let's learn together: learn this trick and stay away from the pit of 99% annuity insurance.
2. Provide four ways to receive an annuity.
Insure China Life Insurance Xinxibao Annuity Insurance, and provide four ways: special care, annuity, nursing and death insurance.
Of course, because Xin Xibao has no lifetime guarantee, whether he can receive death insurance money has to be said separately.
However, it is good to determine the rate of return of China Life's Xinxibao Annuity with more money and less income. Why don't we do a test to see what it is?
Through my estimation, I found that the yield of this China Life Xinxibao Annuity Insurance introduced by the insurance company is unacceptably low! Only 1.87%.
A product's ability to resist inflation is related to IRR yield, but China Life Xinxibao Annuity Insurance performed a little poorly in the result.
You know, the IRR yield of better annuity insurance on the market can reach 2.7%. For example, this Taikang wins life insurance, and the insurer can enjoy protection until 105 years old! Comparatively speaking, this China Life Xinxibao Annuity Insurance is really not too bad ~
Due to the limitation of space, China Life's Xinxibao Annuity Insurance has many shortcomings. I summarized it in this article. Interested partners must have a look. It is very important to avoid the pit: Xinxibao can get high returns every year?
China Life is a big company in everyone's eyes, but this Xinxibao annuity insurance product is a bit petty.
Let everyone have good products. Sister Xue will share with you some tips for avoiding pits!
Second, what should we look at when choosing annuity insurance?
Simply put, there are the following points to pay attention to when choosing annuity insurance:
1. The more practical the better.
The focus is on the time of return and the way of collection.
The return time can be regarded as the time when the returned money becomes the same as the premium. Generally speaking, it is better to get the funds early, don't you think? Qian Shengqian's ability is very good.
The guarantee period of the two annuity insurance products is also 20 years, and the return time is 10 year, which may be very different ~
CBRC 20 17 issued a regulation that "it cannot be returned after five years, so the amount returned after five years cannot exceed 20% of the premium." This is what everyone should pay attention to. Therefore, when choosing annuity insurance products, we must keep our eyes open and choose products that can be returned after five years.
However, if there are multiple collection methods, the better. Let's take this for example. Suppose there are two kinds of education funds, one is to return from primary school to university, and the other is to return at the stage of entrepreneurial marriage. How do you choose?
Even though there are various ways to obtain China Life Xinxibao Annuity Insurance, it is somewhat lost and cannot provide a long-term guarantee period. Annuity insurance is actually an insurance that lasts as long as you are alive, but it is inevitable that such a short guarantee time and various acquisition methods will lead to low returns.
2. It is better to have a general account.
Most annual insurance premiums will arrange a compound interest account for everyone, so that people who are not in a hurry can put their money back in and continue to bear interest.
What's the compound interest rate? You need to know. Why do you need attention? The reason is that some accounts are universal accounts, which are a little different. After the money is invested, part of the guarantee fee will be deducted, and the rest will be included in the principal interest. Because the interest rate is low, the money you earn will not be deducted from the guarantee fee, so you will pay attention to the interest rate.
Universal account has guaranteed interest rate, which means guaranteed rate of return. But some salesmen want to improve the success rate of making orders, so they change the guaranteed interest rate of 1.75% into the settlement interest rate of 5%. So be sure to look carefully!
Senior sister studied some questions about universal accounts. Curious about how many universal accounts there are, don't miss it: it's a pity to miss it!
High-level summary:
The benefit rate of this China Life Xinxibao Annuity Insurance can't bear to look directly at it. If you choose annuity insurance, the longer the guarantee time, the more you can play its value.
However, even if it is a short-term product, China Life Insurance's Xinxibao Annuity Insurance is quite trivial. I bought Alipay's golden pig term annuity, and the yield is higher than this! I hope that friends who want to buy it must think it over before paying!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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