I heard that this annuity insurance is a children's day gift suitable for children, and it is really favored by many parents.
In the face of this situation, the senior sister quickly came to evaluate it and see if it is really worth starting!
Senior summarized a relatively refined evaluation content, and friends who are pressed for time can have a look:
"subway baby (b) annuity insurance (dividend type) real income exposure! 》
First, the coverage analysis of metropolitan baby (type B) annuity insurance (dividend type)!
Senior sister has prepared the safeguard map of this product for everyone. Let's see:
We can get information from the security map. There are many payment methods for the metropolitan baby (type B) annuity insurance (dividend type), which are as follows: education insurance, continuing education insurance and maturity insurance.
When the guarantee expires, that is, when the insured is 60 years old, he can receive 5 times of the basic insurance amount at one time!
It's just that this has aroused the curiosity of many parents, but after further excavation, senior sister discovered the hidden problem of subway baby (B) annuity insurance (dividend type)! Share it with everyone ~
1, death protection is not enough.
The death insurance premium provided by Metropolitan Baby (Type B) Annuity Insurance (dividend-paying type) will only be paid with the greater premium paid or cash value.
Don't be short-sighted. When a child has reached the age of thirty or forty, the child will become the main source of income at home, and parents will have a burden in all aspects of their daily life. At that time, the children also settled down. With their own babies, they still need to solve the mortgage, car loan and so on.
At this critical point, the more death insurance money, the better, so as to avoid the family falling into economic crisis.
Therefore, the common annuity insurance in the market can pay the premium of 120% and 160%, and the former is more powerful than the metropolitan baby (type B) annuity insurance (dividend-paying type) which only pays the premium!
2. Dividends are uncertain.
Parents are most interested in subway baby (type B) annuity insurance, which is to bring policy bonus. There are many bad intermediaries that are aimed at this kind of psychology of parents. When calculating the income, the general calculation method is high-grade dividend income.
In this case, the income looks more gratifying, but it is not! The worst thing about dividends is that the certainty is not strong!
Because the distribution of dividends is inseparable from the actual operating conditions of insurance companies, the performance of insurance companies is not good, and dividends may not be available! Moreover, consumers have no right to interfere with the actual operation of insurance companies.
Specifically, even if those dividends can be distributed that year, consumers can only know the actual situation of dividends when they get the dividend notice.
So it's impossible to get high returns from dividends ~
Dividend insurance is not just a trap. Due to space limitations, senior students will not talk about it. Details are as follows:
"Why is the complaint about dividend insurance so high? 》
However, the key to ordering annuity insurance depends on the performance of income. After calculating its income, senior sister choked up a little. ..
The income of this annuity insurance (dividend-paying) called Metropolis Baby (Type B) is really incredible!
Second, the real income of Metropolitan Baby (Type B) Annuity Insurance (Dividend) is announced!
Whether the income of annuity insurance is considerable depends not only on its superficial calculated rate of return, but also on its internal rate of return IRR.
Internal rate of return (IRR), specifically, is that the total value of capital inflow and capital outflow is the same, and the discount rate and net present value are equal to zero. This is equivalent to, as long as the internal rate of return IRR increases more obviously, the income of this annuity insurance will be more.
Let's work with you to calculate the internal rate of return (IRR) of Metro Baby (Type B) Annuity Insurance (Dividend Type)!
The 30-year-old Lao Wang chose Metropolitan Baby (Type B) annuity insurance (dividend type) for his baby Jiang Mumu, who was only 0 years old, and paid the premium of 230,930 yuan in one lump sum, with the basic insurance amount of 6,543,800 yuan.
1, education grant
When Jiang Mumu 18-2 1 year old, he received 25% of the basic insurance amount every year, and 25,000 yuan every year, during which he received a total of 654.38+million yuan.
2. Scholarship for further study
Jiang Mumu receives 90,000 yuan a year, that is, 30% of the basic insurance amount, that is, 30,000 yuan a year.
3. Payment due
When Jiang Mumu is 60 years old, she can get 500,000 yuan in one lump sum, that is, 500% of the basic insurance amount.
There are many ways for this product to receive an annuity, and children can get a lot of income at important moments in their lives. It looks really good, but is it really so?
By the time Jiang Mumu reached the age of 24, the total annuity he received was10+9 =19,000 yuan, which was far less than the premium paid.
If you choose to surrender at this time, you can get the cash value of 1 18000 yuan, and finally get11.8+19 = 308000 yuan.
After calculation, the IRR at this time is almost 1.37%!
If you don't choose to surrender at this time, after the end of the guarantee period, the internal rate of return of Metro Baby (Type B) annuity insurance (dividend type) is only 2.5 1%!
At present, many annuity insurance, IRR can be above 3%, compared with other annuity insurance, subway baby (B type) annuity insurance (dividend type) really has no advantage!
Third, the summary of the senior sister
To sum up, there are many problems in the metropolitan baby (type B) annuity insurance (dividend insurance), and the income is also very low. Parents who want to insure their children should think more!
There are many annuity insurance in the market, and the annuity insurance with high yield also accounts for a large proportion. It is reasonable for companies to compare and then insure! The senior students here also have a high-yield annuity insurance product. Interested parents may wish to take a look:
Don't miss the top ten high-yield annuities! 》
Write it at the end
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