At the same time, I also take this opportunity to talk to you about the choice of annuity insurance.
Before revealing the answer, Senior Sister has a benefit for everyone: "How about China Life, which one is better, which routines are deeper and the analysis is deeper."
To make a long story short, what are the routines of China Life Insurance Xinxibao Annuity Insurance? Let's take a look now, senior!
1. How many ways do China Life Xinxibao Annuity Insurance receive money? Case analysis!
If you want to know about China Life Xinxibao Annuity Insurance, Senior Sister has prepared a picture here:
Senior, let me briefly talk about the product form of China Life Xinxibao Annuity Insurance:
1. Wide insurance age
First of all, the insurance age of China Life Xinxibao Annuity Insurance is quite wide, and the highest insurance age is 75 years old.
It is worth noting that if you choose to buy at the age of 75, the guarantee period is only 10 years. This will cause the old people to get a low amount of insurance after purchase. For example, the annual investment is 6.5438+10,000 yuan, and the annual investment of 75-year-old people is the highest140,400 yuan, but under the same conditions, the annual investment of 60-year-old people is the highest147,900 yuan!
If you think about it, you will know that when the security expires, the 75-year-old man can get very little nursing fee. It can be known that the insurance age set by China Life Insurance Xinxibao Annuity Insurance is a bit wide. I'm afraid it's not for gimmicks.
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.
Of course, because Xin Xibao has no lifetime guarantee, whether he can receive death insurance money has to be said separately.
However, can we confirm that the yield of China Life Insurance Xinxibao Annuity is optimistic? Please see the picture below:
I calculated and found that the yield of this China Life Xinxibao Annuity Insurance introduced by the insurance company is unacceptably low! Only 1.87%.
Internal rate of return can show a product's ability to resist inflation. However, the performance of China Life Insurance Xinxibao Annuity Insurance is not satisfactory.
Let's not be too short-sighted In fact, there are still many good annuity insurance in the market, and the IRR yield is 2.7%, such as Taikang Win Yue Life Insurance, and the insured 105 can still be guaranteed! Comparatively speaking, this China Life Xinxibao Annuity Insurance is really not too bad ~
The number of words is limited, and there are many shortcomings in China Life's Xinxibao annuity insurance products. Sister Xue sorted it out and put it in the following evaluation article. Please browse the following: "Does Xinxibao have a high income from collecting money every year?" This interest rate makes me afraid to approach. "
China Life Insurance is a big company in any case, but Xinxibao annuity insurance products are too stingy.
Senior sister doesn't want to see everyone worry because they can't choose a good product, and they don't know how to avoid the pit. Here, the senior sister will share a wave of tricks to avoid the pit. You can have a look!
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.
The first thing to look at is the return time and collection method.
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. Don't you think so? Qian Shengqian's ability is very good. The guarantee period of two annuity insurance products is also 20 years, and the difference in return time is 10 years, which is completely different ~
China Banking Regulatory Commission stipulated a similar situation in 20 17, "Annuity insurance can only be returned after 5 years, but the return amount is between 20%". Therefore, when choosing annuity insurance products, we should pay special attention to those that can be returned after 5 years. For example, there are two kinds of education grants. The first one is from primary school to university, and the second one is from university and marriage. Which one would you choose?
Although China Life Insurance Xinxibao Annuity Insurance can be obtained in many ways, it can't provide a long guarantee period, which is disappointing. The core of annuity insurance is that the longer you live, the better you can get more protection, but such a short protection time and various ways of obtaining it can't avoid the end of low income.
Looking for a high-yield annuity? That's not easy! This policy of senior sister will definitely meet your needs: "Want to buy high-yield annuity insurance? Don't miss this 10 model! 》
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.
After all, there is a universal account with a guaranteed interest rate, which means that your rate of return will be guaranteed. However, some salesmen regard the settlement interest rate of 5% as the guaranteed interest rate of 1.75% in order to improve the billing rate. So, be sure to look carefully!
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.
Although it is a short-term product, the Fu Bao annuity insurance of China Life Insurance Company is also quite poor. I bought a small golden pig term annuity in Alipay, and the yield is higher than him! 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.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!