Recently, senior people in the insurance industry mentioned in an interview with China Bank Insurance that the development orientation, direction and tasks of life insurance industry in China are very clear at present, and the development focus in the next 5- 10 years will be endowment insurance and health insurance.
Therefore, if it is predicted that the third pillar of endowment insurance will be annuity insurance products.
No, Kangjun Life pays close attention to the aging problem of society, focusing on the old-age part of the market and meeting all the needs of developing customers from all angles.
Recently, a pension annuity insurance called Grand Hyatt Lifetime was launched. This insurance attracts people's attention with its characteristics of "safety and stability, contract embodiment", "fixed payment, lifetime collection" and so on. So, is this product worth choosing? Little friends can read this article!
Senior sister made a comparison table between Grand Hyatt Life and other popular pension annuity insurance on the market. You can look at it first: "Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
1. Is the Grand Hyatt worth buying for a lifetime?
You can look at Jun yue life's product map first:
The conclusion is straightforward, and the senior sister directly gives:
1, Grand Hyatt's first collection was late.
The first time I received the premium of Grand Hyatt whole life insurance was the first policy anniversary after I was 65 years old. Compared with some products on the market that can be received before the age of 60, the life span of Grand Hyatt is slightly inferior.
For the insured, of course, the sooner you get it, the better!
Therefore, if you want to buy annuity insurance, you must confirm the terms repeatedly, otherwise you will be cheated.
No, my dear senior has compiled this guide to avoid the pit of annuity insurance for everyone. Please collect it quickly: "Learn this trick and stay away from the pit of 99% annuity insurance"
It will take a long time for the Grand Hyatt Hotel to resume its original life.
Annual pension and monthly pension are both ways for Grand Hyatt to receive lifelong pension. If the annual payment method is selected, assuming that the basic premium is 15000 yuan, the payment period is 10 year, and the accumulated premium is 150000 yuan, the insured can receive the pension according to the basic insurance amount.
Then, the senior takes a 30-year-old woman as an example. I have booked the Grand Hyatt all my life, and I have to wait 10 years to get it back. In other words, you can only get your money back when you are 65 years old. Compared with others, it takes a little longer to get it back!
Even if you receive it for life, you rarely receive 16065 yuan every year!
It can be seen that Junyue's life still has many shortcomings! Friends who have plans to buy, think twice is the advice of senior sister!
Don't say that senior sister doesn't take care of everyone. Here is an excellent annuity insurance-Taikang Win Yue Life Annuity Insurance. Come and have a look!
Second, if you want to live a good old age, this product is essential!
As before, Senior Sister will first show you the product map of Taikang winning yue life:
Senior sister is willing to recommend Taikang Win Yue life annuity insurance to you for the following reasons:
1, annuity collection options are diverse.
Taikang Win Yue Life Insurance has four kinds of annuities, namely: special insurance, survival insurance, birthday insurance and education and nursing insurance. In the sixth year of the policy, you can start to receive money, and you can receive it for life. Therefore, the longer you live, the more annuities you have!
Compared with Grand Hyatt, which only receives pension and death insurance, Taikang has an advantage in winning life.
2. General account can be attached.
Taikang Yue Ying Life Insurance has set up a universal account, the essence of which is a member account created by an insurance company for its customers.
If you buy Taikang to win life insurance, you don't have to take out the money in a hurry, you can put it in a universal account and appreciate it again. Can compound interest and increase value, very good!
Can the income of Taikang Win Yue Life Insurance really meet our expectations? Let's take a look at the detailed explanation!
3. The income is considerable.
If the 30-year-old Lao Wang insured Taikang Win Yue and paid 65,438+10,000 yuan every year for five years, you can intuitively see the benefits of this insurance through the following figure:
First of all, special survival insurance began to be collected in the sixth, seventh and eighth years of the policy, and 75,000 yuan was collected in three years.
Secondly, I would like to remind you that the survival insurance is collected from the ninth year of the policy. You can get 20% of the insured amount every year before you are 60 years old, 7680 yuan, and 15360 yuan every year after you are 60 years old.
Finally, the birthday insurance is still alive at the age of 70-79, and will receive 500,000 after ten years.
As can be seen from the benefit calculus, Lao Wang received 1220 120 yuan at the age of 90, accounting for more than half of the total premium.
If Lao Wang feels that the income is not high, he can also transfer the money to the universal account, which can increase the value by twice. This income is too exciting!
This article will help you to know more about Taikang Win Yue Life Insurance: "How high is the income of Taikang Win Yue Life Annuity Insurance? 》
Third, the summary of the senior sister
Generally speaking, the guarantee responsibility of Grand Hyatt's life-long pension annuity is not very brilliant, and the income is relatively average, which takes a long time to recover. Compared with Taikang's winning life, Grand Hyatt's life still has room for improvement!
To tell the truth, Taikang wins Hyatt Life Insurance. Compared with Hyatt Life Insurance, there are many types of annuities and better returns. Taikang wins Hyatt Life is a better choice for everyone!
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 top student, the official account of WeChat, and ask me about insurance.
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