So is this annuity insurance really as good as it says?
Next, I will give you a product analysis to discuss the advantages and disadvantages of this product and how to benefit!
As some people don't know much about insurance, you'd better browse the knowledge brochure first:
Before buying insurance, you must first understand these key knowledge points! 》
First, Taikang Xin enjoys life annuity insurance (dividend-sharing) guarantee publicity!
I suggest you look at the product protection map first:
According to the information in the protection map, the annuity payment methods of life annuity insurance (dividend-sharing type) are very flexible, including survival insurance, pension insurance, birthday insurance and long-term life insurance.
In addition, it also includes death protection and exemption protection for policyholders.
Cut the crap ~ I will explain the highlights and shortcomings of this product to you today!
& gt& gt Highlights:
1, flexible payment period
Fortunately, Xinxiang life annuity insurance (dividend-paying type) gives two ways to choose the payment period, one is batch payment and the other is annual payment.
The payment method of wholesale payment is mainly one-time payment of premium, which is mainly aimed at people with relatively high income, but it is not stable.
Annual payment is equivalent to paying the premium once a year. It is feasible for people with stable income to choose this method.
In this way, the insured can flexibly choose the payment period according to their own economic situation, and like this flexible choice ~
2. The insured amount is increasing.
When the insured reaches the age of 60, the insurance coverage of Xinxiang's life will increase, which is really humanized! According to the information in the security map, the payment of endowment insurance and longevity insurance depends on the basic insurance amount after the age of 60. If this basic insurance amount is increasing, then the actual annuity will increase with the increase of the base!
3. The insured has an exemption guarantee.
If the requirements of Xinxiang life annuity insurance (dividend type) are met, the insured can be exempted from protection. This model is very user-friendly!
Generally speaking, what is the applicant's exemption?
If the insured dies unexpectedly or is highly disabled for some reason, the premium can be exempted, but the contract is still performed normally.
Its purpose is to prevent the insured from being unable to pay the premium after his death/high disability.
For example:
30-year-old Xiao Wang arranged a new life annuity insurance (dividend-paying) for his wife. If he pays 65,438,000+premium every year, * * * needs to pay 10 year.
If Xiao Wang, as the insured, dies/is severely disabled due to some accidents at the age of 35, the premium unpaid for the remaining five years will be refunded and exempted, and the contract will continue to be valid. His wife Xiaohong receives an annuity every year until Xiaohong turns 99.
& gt& gt insufficient:
1, dividend uncertainty
Many people look golden when they see dividends, thinking that everyone can get dividends, so the income of annuity insurance can be set at a particularly high level!
Senior can't help telling you that you still can't see the essence of the matter ~
The amount of dividends is written in black and white in the insurance contract. Please look at the information in the picture below:
Xinxiang Life Annuity Insurance (Dividend Type) Clause
Senior sister will sort out the context of the terms for everyone:
First of all, dividends are not guaranteed, and whether to pay dividends should be decided according to the actual operation of dividend insurance.
It is ok to think so, and dividends cannot be guaranteed;
Then, even if dividends are paid to consumers, the amount is not so easy to determine. According to the terms, if you get the dividend notice, you can know how much dividends were paid in that year.
In a word, you can get high returns through dividends, and that is probably daydreaming! Let's stop daydreaming ~
2, the protection of death is small.
Xinxiang Life Annuity Insurance (dividend type) includes the following death insurance benefits:
Before the age of 80, if the premium paid is greater than the cash value, the premium paid will be taken;
If the insured dies after the age of 80, boy, the death insurance premium is directly zero! How so stingy!
Under normal circumstances, the same type of annuity insurance can pay 120% in the setting of death protection. Now the better annuity insurance may pay as much as 160%.
For people in their 30 s and 40 s, family economic responsibility is relatively large, and death compensation is definitely getting higher and higher.
Imagine the unfortunate death of a family's economic pillar, and the economic crisis will sweep the whole family: child support, the elderly, mortgage/car loan and other debt problems.
From this point of view, the life annuity insurance I enjoy | (dividend-paying) still has some shortcomings, and I have not given more consideration to consumers! You should accept criticism with an open mind !
In addition to the above problems, there are still some problems worthy of our attention. Due to the limited space, I would like to share with you the contents compiled by Senior Sister in this article:
"Taikangxin enjoys high income in life? I advise you not to be naive! 》
Second, Taikang enjoys the real benefits of life annuity insurance (dividend type)!
Senior students often say that the quality of annuity insurance depends entirely on IRIR.
What is IRR?
The internal rate of return (IRR) is simply that the total present value of capital inflow is equal to the total present value of cash flow, and the net present value is equal to the discount rate of zero.
Most people think that the higher the IRR value of an annuity insurance, the higher the yield of this annuity insurance.
Then, let's take a senior as an example to let everyone really feel the IRR of Xinxiang Life Annuity Insurance (dividend-paying), that is, what is the specific internal rate of return!
Xiao Wang, 30 years old, bought Xinxiang life annuity insurance (dividend-paying type) and paid 654.38+10,000 premiums every year for five years. Five years later, the total amount of basic insurance is 63,600 yuan.
Survival insurance: from the date of insurance to Xiao Wang's 59th birthday, you can receive 10% of the basic insurance amount every year, that is, 6360 yuan as survival insurance.
Old-age insurance: When Xiao Wang is 60-80 years old, he can get the basic insurance amount of 10% every year, and the basic insurance amount is not only increased every year, but also adjusted by 5%. You can get 6678 yuan at the age of 60 and 142 1 yuan at the age of 70.
Birthday survival fund: when Xiao Wang reaches 80.5 million yuan, he will pay the premium in one lump sum.
Longevity insurance: According to the regulations, when Xiao Wang is 8 1-99 years old, he can get the basic insurance coverage of 10% every year. The basic insurance amount is not only increased every year, but also adjusted according to the proportion of 5%. At the age of 90, you can get 2886 1 yuan, and at the same time, you can get 44774 yuan at the age of 99.
Xinxiang life annuity insurance (dividend-paying) is diversified in terms of annuity collection methods, but the real income it can obtain is not so good.
The growth rate of internal rate of return is very slow, which is equivalent to Xiao Wang's 80 years old, and the rate of return is only 1.7 1%. When the guarantee expires, Xiao Wang is 99 years old, and then the internal rate of return is only 2.59%! Not as good as the bank's regular interest rate (2.75%)!
At present, the internal rate of return (IRR) of most annuity insurance is higher than 3%. In contrast, Xinxiang life annuity insurance (dividend type) has no competitive advantage.
Third, the summary of the senior sister
Xinxiang life annuity insurance (dividend type) has some bright spots, but it also has many shortcomings.
More importantly, this kind of annuity insurance is not very good in terms of income. Sister Xue will give you a hint, that is, be cautious.
For friends with income requirements, the following annuity insurance list is worth a look:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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