Let's talk directly about the pension annuity insurance products on the market, which are earmarked for special purposes and provide stable cash flow for the elderly. Which is better for commercial endowment insurance? 》。
So what kind of endowment insurance is better? Of course, it has a high income, can guarantee payment, or more value-added services. So how to choose? Dad teaches you a few tricks, just pay attention to the following points.
1. The annual household income should be stable.
As pension annuity insurance is a kind of long-term savings and planning, it focuses on the future pension life.
Therefore, stable income is needed to support it in the early stage.
If the income is unstable, it is impossible to pay the premium.
If we surrender early, our energy and money will be wasted.
2. It is recommended to choose a stable income.
Many small partners may be interested in dividend annuity insurance.
Because I think there are extra dividends.
But you should know that this income is actually unstable, mainly depending on the profitability of the insurance company.
Moreover, the predetermined interest rate of dividend annuity insurance will generally be lower, and the final income may not be as high as agreed.
The income of ordinary traditional annuity insurance is relatively stable and can be written into the contract in black and white.
3. It is recommended to choose a universal account with guaranteed payment.
Mainly to ensure future income and capital appreciation.
The higher the income, the better.
Write at the end:
I am a nurse, focusing on neutral, professional and objective insurance evaluation;
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