Before we start, senior sister will tell you about the common pits of annuity insurance:
Learn this trick and stay away from the 99% pit of annuity insurance.
First, the guarantee advantage of Taikang Win Yue Life Annuity Insurance is open!
As usual, senior sister should first sort out the protection essence map of Taikang Win Yue Life Annuity Insurance:
Senior no longer gives you suspense, but directly shows you the evaluation conclusion:
1, diversified safety responsibilities
Taikang Win Yue Lifetime Annuity Insurance covers a wide range of insurance liabilities, including special survival insurance, survival insurance, birthday insurance and education care insurance.
There are four ways to get it, and the sixth policy can get insurance money.
Of course, if the insured unfortunately dies during the journey, Taikang Win Yue Life Annuity Insurance will also add death insurance benefits to the protection, which can also alleviate the economic impact of death on the family to a certain extent!
So it's not just the annuity insurance mentioned above. No matter what insurance you buy, Senior Sister's advice to everyone is to choose insurance products with death liability. It really works after all!
2. Flexible payment methods
Taikang Win Yue Life Annuity Insurance has two payment methods, monthly payment or annual payment.
You know, it is not easy for us workers to have an annuity insurance. It's really not easy to come up with a huge sum of money suddenly, but if we use monthly payment, it will make it easier for us to pay the expenses.
You can see that it is also very considerate to us.
In addition, there are many annuity insurances on the market that are as humanized as this one, and these ten are better:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
The above is what we think is the guarantee responsibility of Taikang win-win life annuity insurance. My senior came to talk about this. Perhaps most of my friends are interested in the benefits of Taikang win-win life annuity insurance! Don't worry, I'll explain it to my friends right away!
2. Is the income of Taikang Win Yue Life Annuity Insurance considerable?
What are the benefits of Taikang Win Yue Life Annuity Insurance?
I take the 30-year-old Lao Wang, 65,438+10,000 yuan as an example to see the benefits of Taikang Win Yue Life Annuity Insurance:
1, special survival fund
As can be seen from the product diagram, Taikang Win Yue Life Annuity Insurance has a special survival fund, which will take effect in the sixth/seventh/eighth year of the policy and will be collected according to the insured amount * payment ratio;
The wholesale payment ratio is 5%, and the five-year payment ratio is 25%. If you choose 10 or above, you will pay 50%.
According to Lao Wang's insurance rules, Lao Wang Can takes 25% of the premium every year as his special survival fund, that is, he takes 25,000 yuan every year, and 75,000 yuan will enter his pocket after three years.
2. Birthday insurance
If Lao Wang is 70 -79 years old and has not died, he can get a birthday bonus every year, the amount is * 10% of the total premium, the insurance company gives the insured 50,000 yuan, and the insurance company gives the insured 500,000 yuan at 10.
When Lao Wang is 80, he will have an internal rate of return of 2.4%. With the growth of Lao Wang's age, the rate of return will continue to increase. When he reaches the age of 105, the IRR index will be 3%.
Therefore, the IRR of Taikang Win Yue Life Annuity Insurance is worth choosing. You know, the IRR of many annuity insurance in the market is a little low, and some are only about 1.2%.
3. Survival insurance
From the ninth year of Taikang Win Yue Lifelong Annuity Policy to the expiration of the guarantee period 105, the old man has a living allowance every year. If you are under 60, you can only get 20% of the insured amount, and you can get 7680 yuan a year. If he is 60 years old, he can get 40% of the insured amount and get 15360 every year.
From the case analysis data of Taikang Win Yue Lifetime Annuity Insurance, we can know that old people get a fixed amount after five years of insurance, and old people get income at the age of 90 1220 120 yuan.
It can be seen that Taikang Win Yue Life Annuity Insurance is very suitable for people who want high returns and are only willing to bear low risks ~
This is the link of Taikang Win Yue Life Annuity Insurance. Suggest interested friends to have a look:
Taikang Win Yue Life Annuity Insurance was launched, and I was finally moved! 》
Third, the summary of the senior sister
According to the above summary, there is not much problem with the basic guarantee responsibility of Taikang Win Yue Life Annuity Insurance. Senior sister was also surprised to see the benefits of Taikang Win Yue Life Annuity Insurance. After five years of insurance, old Wang Can received a fixed amount of insurance money. By the time he was 900 years old, Lao Wang's total income was 1220 120 yuan, which was very commendable!
Therefore, the senior reminds everyone that if you want to buy annuity insurance, you must first calculate the income, otherwise the possibility of being pitted is very high!
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.
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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