Therefore, it is expected that the mainstream products of the third pillar pension insurance will be supported by annuity insurance in the future.
No, Kangjun Life will pay more attention to the aging of society, put all its attention on the pension market and dig deep into the needs of customers.
Recently, there is a new pension annuity insurance-Grand Hyatt Life Insurance, which attracts many people with its characteristics of "safety and stability, contract embodiment", "fixed payment and lifetime collection". So, is it okay to buy this product? The following article tells you!
1. Is the Grand Hyatt worth buying for a lifetime?
You can browse Jun yue life's product analysis chart first:
Senior's final conclusion is as follows:
1, Grand Hyatt's first collection was late.
The first anniversary of a customer's 65th birthday is the first time he can receive the Grand Hyatt life insurance premium. There are many similar products on the market that can be received before the age of 60. Compared with them, Jun yue life products may be slightly insufficient.
Even if the retirement age is extended in the society at present, the sooner you get it, the better for yourself!
Therefore, if you buy annuity insurance, you should read the terms carefully, otherwise it will not be conducive to subsequent investment and your own income.
That was not the case. The intimate school sister has compiled this guide to avoid the annuity insurance pit for everyone. Please save:
Learn this trick and stay away from the 99% pit of annuity insurance.
It will take a long time for the Grand Hyatt Hotel to resume its original life.
The way to receive a pension is by year and by month. According to the age and the basic insurance amount, the insured can receive a pension. Assume that the basic premium is 15000 yuan, the payment period is 10 year, and the accumulated premium is 150000 yuan.
Then, the senior takes a 30-year-old woman as an example. It will take 65,438+00 years to return to the original. The time to start collecting is 65, and the time to get back the capital is 75. Compared with others, the time to return to Beijing is really not short!
Even if you can receive it for life, it is not too much to receive 16065 yuan every year!
In the long run, the standard of living in a few decades may be very different from what it is now.
Therefore, the life of Grand Hyatt is flawed after all! If a friend wants to buy it, senior sister thinks it's better to think twice before acting!
Then, the senior sister will not miss the opportunity to introduce and understand excellent annuity insurance for everyone. Kang's life annuity insurance deserves everyone's attention. Come and feel it together!
Second, if you want to live a good old age, this product is essential!
As before, I'll show you the product map of Taikang Win Yue Life Insurance:
Senior sister recommended Taikang Win Yue life annuity insurance for the following reasons:
1, annuity collection options are diverse.
Taikang Win Yue Life Annuity Insurance can provide four kinds of annuities, and special insurance, survival insurance, birthday insurance and education care insurance can receive four kinds of insurance years. After the policy is paid for 6 years, you can get money for life from the sixth year, which means that the longer you live, the more annuities you can get!
Compared with Grand Hyatt, which can only get pension and death insurance, Taikang wins the guaranteed income of life.
2. General account can be attached.
Taikang Yue Ying Life Insurance has created a universal account, which is simply understood as a VIP account set up by insurance companies for customers.
When you have insured Taikang Win Yue Life Insurance and don't need the money in the near future, you can add value to your universal account. Compound interest again, very good!
Want to know more about the value-added principle of universal account, click me to see:
"Super complete! Everything you want to know about insurance is here.
Can the income of Taikang Win Yue Life Insurance really meet our expectations? I believe the following introduction will give you some understanding!
3. The income is considerable.
In order to let everyone have an intuitive understanding of the benefits, Senior Sister introduced Taikang's winning life by taking 30-year-old Lao Wang as an example, with an annual payment of 654.38+ 10,000 yuan. You can see the benefits of this insurance from the following figure:
First of all, special survival insurance will be collected in the sixth, seventh and eighth years after the policy takes effect, and 75,000 yuan will be collected in three years.
Secondly, this survival insurance can be collected from the ninth year after the policy is generated. Before the age of 60, it can receive 20% of the insured amount, and it can receive 7680 yuan per year. After the age of 60, it can receive 15360 yuan per year.
Finally, the birthday insurance is still alive at the age of 70-79, and will receive 500,000 after ten years.
Through the benefit calculus diagram, we can see the results intuitively. By the time Lao Wang was 90 years old, he had a total of 1220 120 yuan, accounting for more than half of the total premium.
Of course, this is not the highest income that old Wang Neng got. He can still put the money into the universal account and then add value for the second time. This income is too awesome!
This article gives a concrete introduction to Taikang's winning life, which can be seen as follows:
Taikang Win Yue Life Annuity Insurance was launched, and I was finally moved! 》
Third, the summary of the senior sister
In a word, the guarantee responsibility of Grand Hyatt's life-long pension annuity is not very strong, and the income is not good, so it is not so easy to return to the original. Compared with Taikang Winning Life, there is still room for improvement!
In fact, Taikang Win-Win Life Insurance is much more flexible than Grand Hyatt Life Insurance in choosing the type of annuity, and its income is better. Of course, everyone gives priority to Taikang Win-Win Life!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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