Therefore, the senior sister also understands the feelings of so many young people who privately consult annuity insurance. This insurance giant (Xinxibao Annuity Insurance under China Life Insurance) was tested by a small partner a few days ago, and now the final evaluation results will be announced. By the way, I'd like to tell you something about choosing annuity insurance.
Cut short the gossip, who are the senior students in the routine of China Life Insurance Xinxibao Annuity Insurance? Now let me show you clearly!
1. How many ways do China Life Xinxibao Annuity Insurance receive money? Case analysis!
Regarding China Life Xinxibao Annuity Insurance, Senior Sister has prepared a picture to help you understand:
Regarding the product form of China Life Xinxibao Annuity Insurance, Senior Sister will talk about it now:
1. Wide insurance age
First of all, as you can see, the age setting of China Life Insurance Xinxibao Annuity Insurance is still relatively wide, and 75 years old and below are all within the scope of insurance.
Nowadays, with the aging of contemporary people, it is not unusual to extend the retirement age. As the saying goes, "the more you pay, the more you get" in annuity insurance actually exists. You can get the maximum amount at the age of 75. If you invest in China Life Xinxibao Annuity Insurance, you will naturally get more.
However, one thing needs to be clarified. If you are over 75 years old at the time of purchase, the warranty period can only be 10 year. This will lead to the elderly can only get a very low amount of insurance after insurance.
For example, if everyone invests 65,438+10,000 yuan every year, the annual insurance amount can be140,400 yuan, which is the maximum amount for a 75-year-old, but under the same conditions, 60-year-old can invest147,900 yuan!
It is conceivable that after the expiration of the guarantee period, the 75-year-old man received very little care money. It can be said that the age range stipulated in China Life Insurance Xinxibao Annuity Insurance is somewhat broad. I suspect that this is a bad policeman.
Although annuity insurance is very practical, cheat people is also impolite! Take a look at the following article to prevent being cheated: With it, you can stay away from the trap of annuity insurance.
2. Provide four ways to receive an annuity.
If you are insured with China Life Xinxibao Annuity Insurance, you can get special allowance, annuity, care and death insurance.
However, Xin Xibao is not a lifetime, and whether he can receive death insurance benefits has to be discussed separately.
Although there are many ways to get money, can this show that the yield of China Life Xinxibao Annuity is very good? Let's measure:
Through my calculation, I know that the yield of China Life Xinxibao Annuity Insurance is super low! Only 1.87%.
IRR yield can reflect a product's ability to resist inflation, but the performance of China Life Xinxibao Annuity Insurance is not satisfactory.
The relatively good annuity insurance on the market has an IRR yield of 2.7%. You should know this. For example, Taikang Win Life Insurance can guarantee 105 years old! In contrast, China Life Insurance Xinxibao Annuity Insurance will be improved ~
Due to the limitation of space, China Life's Xinxibao Annuity Insurance has many shortcomings. Senior sister sorted it out and put it in the following evaluation article. If the boys like, please browse the following: Xinxibao seems to get a lot of money every year?
Although China Life is a big company, Xinxibao Annuity Insurance is too petty.
In order to let everyone choose good products in the future, the senior sister has to share the coup of avoiding the pit!
Second, what should we look at when choosing annuity insurance?
Let me show you some precautions for buying annuity insurance:
1. The more practical the better.
Here we mainly review this time and the way to get it.
Go back to the original time, in other words, when will the money returned be the same as the premium? According to the truth, the sooner you return to this book, the better. After all, the sooner you return to this book, the better it will be in Qian Shengqian.
All of them can only be guaranteed for 20 years, but one can return to its original cost in 5 years, and the other needs 15 years, which is very different ~
In 20 17, the CBRC stipulated a similar situation, "within five years, it cannot be returned within five years, and it can be returned after five years, but the amount cannot exceed 20% of the premium". Therefore, when choosing annuity insurance products, we must keep our eyes open and choose products that can be returned after five years.
But the more ways to get, the better. For example, there are currently two types of education grants. The first is to return from primary school to university, and the other is to return at the stages of starting a business and getting married. What would you choose?
Although China Life Xinxibao Annuity Insurance provides diversified forms of collection, it is a pity that the guarantee period is short. The fact of annuity insurance is how long you live and get the money. However, in such a short guarantee period, no matter how many channels you get, you still can't get high returns.
2. It is better to have a general account.
Some annuity insurance will give a friend a compound interest account, so that people who are not in a hurry can put the refund in and continue to bear interest.
What's the interest rate for this interest? You can pay attention. After all, some accounts are universal accounts. After you deposit the money, you have to deduct a part of the guarantee fee, so that it can be counted as the principal to calculate the interest. In order to prevent the money you earn from being deducted by guarantee, you should pay attention to the interest rate.
The universal account has a guaranteed interest rate, which means that the rate of return can be guaranteed. However, when introducing products to you, some salesmen want to increase the single rate, deliberately saying that the settlement interest rate of 5% is the guaranteed interest rate of 1.75%. So, be sure to look carefully!
For the universal account, senior sister has also done related research. How comprehensive is the universal account? If you want to know, don't miss this bus: Is universal insurance financial management really good? Just look at it!
High-level summary:
This China Life Xinxibao Annuity Insurance is really disappointing. If you choose annuity insurance, the longer the guarantee time, the more you can play its value.
There are many defects in the short-term products of China Life Insurance and Fu Bao Annuity Insurance. Its income is not as good as that of the golden pig regular annuity I bought at Alipay! Be sure to think carefully before investing!
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.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!