This annuity insurance is said to be the best Children's Day prize for children, which has attracted the attention of many parents.
Sister Xue launched the evaluation for the first time to see if it is really worth starting!
Senior sister summed up a relatively refined evaluation content, and friends who don't have enough time can take a look at it first:
"subway baby (b) annuity insurance real income exposure! 》
First, the coverage analysis of metropolitan baby (type B) annuity insurance (dividend type)!
Sister Xue sorted out its protection map for this product. Let's see:
As can be seen from the protection map, the annuity payment methods of metropolitan baby (type B) annuity insurance (dividend type) are very diverse, including education insurance, continuing education insurance and maturity insurance.
When the guarantee expires, that is, when the insured is 60 years old, he can get 5 times of the basic insurance amount at one time!
This alone makes many parents very interested. However, after in-depth research, Senior Sister found the hidden problem of the metropolitan baby (type B) annuity insurance (dividend-paying)! Share it with everyone ~
1, death protection is not enough.
The death insurance premium of Metropolitan Baby (Type B) Annuity Insurance (dividend-paying type) only pays the greater of the premium paid and the cash value.
This guarantee is too weak!
Don't be short-sighted. When children reach their thirties and forties, they will be responsible for the financial resources of the whole family, and the responsibility of supporting their parents will be shouldered.
I also set up my own family, and the next thing I face is the debt problems such as raising children, mortgage and car loan.
Undoubtedly, at this time, the more compensation for death insurance, the better, which is a good guarantee to prevent families from falling into economic crisis.
Therefore, most of the annual death premiums in the market are not less than 120%, and may even reach 160%, which is more secure.
The Metropolitan Baby (B) Annuity Insurance (dividend-paying) obviously has no exploration in this respect, and it is very lacking in consideration!
2. Dividends are uncertain.
With the policy bonus, this is the most attractive place for parents of subway baby (type B) annuity insurance.
This kind of psychology of parents will always make many unscrupulous intermediaries seize the opportunity to use high-grade dividend income when calculating income.
In this case, the income looks gratifying, but it is not!
The biggest problem of dividend distribution is unknown!
Because the distribution of dividends is closely related to the actual operating conditions of insurance companies, if an insurance company goes bankrupt, it is almost impossible to pay dividends that year.
And as far as consumers are concerned, they have no right to ask about the actual operation of insurance companies.
In other words, even the dividends distributed in that year, only when we have the dividend notice can we know the specific situation of dividends.
Therefore, if you want to get a high return on dividends, it is tantamount to daydreaming ~
Dividend insurance has moved a lot of hands and feet that you don't know, and the length is insufficient. Senior sister won't explain in detail. If you want to know, you can browse this article first:
"Why is the complaint about dividend insurance so high? Unveil the mystery of dividend insurance. "
However, the core of everyone's annuity insurance is whether the income is gratifying.
Senior sister burst into tears when she calculated its income. ..
As far as the income of this annuity insurance (dividend insurance) called Metropolis Baby (Type B) is concerned, it is really incredibly low!
Second, the real income of Metropolitan Baby (Type B) Annuity Insurance (Dividend) is announced!
The income from annuity insurance is not considerable. It is wrong to look at the calculated rate of return only on the surface. The key is IRR.
Internal rate of return (IRR) refers to the discount rate that the total present value of capital inflow is equal to the total present value of capital flow and the net present value is equal to zero. It can also be that as long as the internal rate of return IRR goes up, the income of this annuity insurance will be considerable.
Let's discuss with you the internal rate of return (IRR) of this subway baby (B) annuity insurance (dividend-paying) product!
The 30-year-old Lao Wang arranged a Metro Baby (Type B) annuity insurance (dividend type) for his 1 year-old children.
The premium is 230,930 yuan, and the basic insurance amount is 654.38+10,000 yuan? .
1, education grant
During the period from 18 to 2 1 year, Jiang Mumu can receive 25,000 yuan every year, that is, 25% of the basic insured amount. During this period, he will pay 6,543,800 yuan.
2. Scholarship for further study
During the age of 22 to 24 in Jiang Mumu, getting 90,000 yuan is the cumulative payment, and you can get 30,000 yuan every year, which is 30% of the basic insurance amount.
3. Payment due
Receive 500,000 yuan at a time, which is equivalent to getting 500% basic insurance protection at the age of 60.
There are many ways to receive an annuity, and children can receive funds at many important moments in their lives. It's really excellent. Is it really what it says?
When Jiang Mumu was 24 years old, A * * received an annuity of10+9 =19,000 yuan, which was not as high as the premium paid.
If you choose to surrender at this time, you can get the cash value of11.8+19 = 308,000 yuan.
After speculation and calculation, the IRR at this time is only 1.37%!
If you don't decide to surrender at this time, by the end of the guarantee period,
The internal rate of return of Metro Baby (Type B) annuity insurance (dividend-paying) is almost in the range of 2.5 1%!
At present, many annuity insurance, IRR can be as high as 3% or more. In contrast, Metro Baby (Type B) annuity insurance (dividend-sharing) really has no advantage!
Third, the summary of the senior sister
To sum up, the metropolitan baby (type B) annuity insurance (dividend insurance) not only has some loopholes, but also has low income.
Parents who plan to insure their children should think twice!
In fact, there are many high-yield annuity insurance products on the market, and each one is worth seeing. Late insurance is more accurate! Intimate seniors also compiled a high-yield annuity insurance product. Parents in need can look at:
Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
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