Before we start, I have compiled a guide to avoiding pits for annuity insurance. If you are interested, you can check it yourself:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. What are the advantages and disadvantages of Guohua Shi Shengfu?
1, insurance rules
Obviously, 28 days -65 years old can be insured for the annuity insurance. Most annuity insurance products are limited to 55 years old. Compared with other products on the market, the age limit of Master Sheng's annuity insurance is less, which makes more elderly people can insure this product, which is commendable!
There are three options for the payment period of Shi Shengfu annuity insurance, namely, batch payment, three-year payment and five-year payment, and the insured can choose according to his own economic situation.
If you don't know how to choose the payment period, you can take a look at this strategy: "How to choose the payment period without losing money? 》
2. Guarantee content
The security responsibility of welfare annuity insurance is relatively simple, and its contents are only survival insurance and death insurance.
Survival insurance means that there is a clear age in the insurance contract. At this age, the insurance company will pay an annuity once a year according to the basic insurance amount received for life, and the contract will no longer take effect until the insured dies.
For example, Xiao Ming bought a prosperous annuity insurance when he was 30 years old. If he chooses to pay 30,000 yuan a year and then three years, he will receive the basic insurance amount of 380 1 yuan every year from the third year. The longer he lives, the more survival money he gets.
How much is the death insurance? If the insured dies within the effective period of insurance, which value is the greatest between the cash value and the premium paid, which insurance company will choose to pay. However, the cash value of long-term insurance may also be higher than the premium paid, so for the insured, such a setting by the insurance company can maximize their own interests.
After talking about the security content and insurance rules of Fu annuity insurance, let's talk about income.
2. How about Guohua Fu's three-year life insurance plan?
Let's show you the benefits of Guohua Fu's three-year life insurance plan:
From the demonstration diagram, it can be concluded that if a 30-year-old male chooses Master Guo Huasheng for 30,000 yuan a year for three years, it will take 30 years to pay back the money. After analyzing these, I believe many people have pulled out the grass for this guarantee. At the age of 60, this policy only has an internal rate of return of 1%. You know, the IRR rate of most annuity insurance in the market is basically 3%-3.5%. In contrast, the rate of return of Guohua Fu is really bad!
Generally speaking, Guohua Fu Annuity Insurance takes a long time to recover funds and has a lower rate of return. So just skip this product. If you want to buy wealth management products with higher returns, here are the arrangements:
Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
Write it at the end
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