If you don't want to read a long story and want to know directly whether it is worth starting, you can look at the following evaluation articles ~
Where is the so-called invincible annuity insurance? Are there any shortcomings? 》
1. What are the advantages and disadvantages of Guohua Shi Shengfu?
1, insurance rules
The insurance age is relatively wide.
As can be seen from the above figure, Fu annuity insurance supports people aged between 28 days and 65 years old. Limiting the age of insurance to 55 is the basic rule of most annuity products in the market. Compared with other similar products on the market, the age limit of Fu annuity insurance is less, so that more elderly people can insure this product, which deserves a thumbs up!
Flexible payment period
Shi Shengfu pension annuity insurance has three payment cycles, including batch payment, three-year payment and five-year payment. The insured can choose the one that suits them and meets the needs of different people.
2. Guarantee content
The security responsibility of welfare annuity insurance is not complicated, and it is divided into two parts: survival insurance and death insurance.
Survival insurance means that after reaching the age stipulated in the insurance contract, the insurance company provides the insured with an annuity once a year according to the amount of life-long basic insurance, which lasts until the death of the insured and the termination of the contract.
For example, Xiaoming bought an annuity insurance when he was 30 years old, and then chose to pay 30,000 yuan a year for three years. Starting from the third year, Xiao gets the basic insurance amount of 38,065,438+0 yuan provided by the insurance company every year. The longer he lives, the more survival money he can get.
Death insurance means that if the insured dies during the insurance liability period, the insurance company will choose which value is the greatest between the cash value and the premium paid. Since the premium paid may be lower than the cash value of the insurance, such a setting can maximize the interests of the insured.
Choosing annuity insurance depends not only on the content of protection, but also on what pits it has. Senior sister specially sent an annuity insurance pit avoidance guide:
Learn this trick and stay away from the 99% pit of annuity insurance.
The insurance rules and protection related contents of the welfare annuity insurance have all been completed. Then, let's talk about the income, and make a calculation with three-year life insurance.
2. How about Guohua Fu's three-year life insurance plan?
The following figure shows the benefits of Guohua's three-year life insurance plan:
As can be seen from the demonstration diagram, Guohua Shengshifu needs a 30-year-old man to have sex for 3 years, with an annual insurance of 30,000 yuan, which can only be paid back in 30 years. Speaking of which, I believe most people have been discouraged by it. Moreover, by the age of 60, the IRR of this policy can only reach 1%. You know, the IRR of most annuity insurance in the market is basically 3%-3.5%, and the yield of Guohua Shishengfu is really much worse than others!
On the whole, it takes a long time to recover the funds of Guohua Shengshi Fu Annuity Insurance, and the yield can't be lower, so we don't recommend buying this product. If you want to start with high-yield wealth management products, it is always harmless to compare the excellent annuity insurance on the market. Here, I have sorted it out for everyone:
Want to buy high-yield financial 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;
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!