Recently, an insurance industry veteran told BOC Insurance that the development orientation, direction and task of China life insurance industry are very clear at present, and the development focus in the next 5- 10 years will be endowment insurance and health insurance.
Thus, perhaps in the future, the mainstream of the third pillar pension insurance will be annuity insurance products.
No, Kangjun Life is still concerned about the aging society. It concentrates all its development efforts on the pension market, fully considers customer needs and needs in-depth exploration.
Now, a product named Grand Hyatt Life Insurance has been added to the pension insurance. "Safe and steady, embodied in the contract" and "fixed payment, life-long collection" make this insurance get enough attention. So, should we choose this product? The following article gives you an answer!
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?
Sister Xue first shares the product content map of Jun yue life:
Senior can tell you directly:
1, Grand Hyatt's first collection was late.
The first time Grand Hyatt received insurance money was the first policy anniversary after the age of 65. Compared with some products of the same category, you can get insurance money before the age of 60. In this way, Junyue will not be as good as the former for life.
For the insured, of course, the sooner you get it, the better!
Therefore, if you buy annuity insurance, you must read the above terms repeatedly, otherwise you will suffer.
No, dear seniors have compiled this guide for everyone to avoid the pit of annuity insurance. 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.
Grand hyatt life pension is divided into annual pension and monthly pension. According to the age and the basic insurance amount, the insured can receive a pension, assuming that the basic premium is 15000 yuan, the payment period is 10 year, and the accumulated premium is 150000 yuan.
Then, senior, take a 30-year-old woman as an example to explain to you that if you have configured Junyue for a lifetime, the capital will take 10 years to get it. If you wait until you are 65, you can get your money back at 75. It's a headache to return to your capital for so long!
But even if you receive it for life, it is very rare to receive 16065 yuan every year!
Therefore, Grand Hyatt is not the best in his life! Friends who plan to start, seniors hope to think twice!
Don't say that senior sister doesn't take care of everyone. Let's recommend an excellent annuity insurance-Taikang Win Yue Life Annuity Insurance!
Second, if you want to live a good old age, this product is essential!
As before, the first thing I will show you is the product map of Taikang Win Yue Life Insurance:
Senior sister recommended Taikang Win Yue life annuity insurance for everyone for the following reasons:
1, annuity collection options are diverse.
Taikang Win Yue Life Annuity Insurance can provide four kinds of annuities, including special protection, survival protection, birthday protection and education care protection. In the sixth year of the policy, you can receive money for life, which means that the longer you live, the more you will receive an annuity!
Compared with Junyue's only pension and death insurance subsidies, Taikang has an absolute advantage in winning life.
2. General account can be attached.
Taikang Yue Ying Life Insurance has set up a universal account, which can actually be understood as a VIP account set up by insurance companies for customers.
If you are insured by Taikang Win Yue Life Insurance and can't use up the money in a short time, then you can continue to put the money here for secondary appreciation.
What is the income of Taikang Win Yue Life Insurance? It is better to know more!
3. The income is considerable.
Here we assume that 30-year-old Lao Wang pays 65,438+million yuan for Taikang Win Yue every year for five years. You can directly see the income of this insurance through the following figure:
First of all, the special survival insurance can be collected from the sixth year of the policy for three consecutive years, which is 75,000 yuan.
Secondly, the survival insurance money is collected from the ninth year of the policy, and it is collected at 20% of the insured amount before the age of 60, and it can be collected at 7680 yuan per year, and 15360 yuan per year after the age of 60;
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. When Lao Wang lives to be 90 years old, he can enjoy the benefits of 1220 120 yuan, which is half of the total premium.
Of course, if Lao Wang wants higher income, he can also transfer the money to the universal account, which can increase the value by twice. This income is too awesome!
If you are interested in Taikang Win Life Insurance, the following article is worth reading: "How high is the income of Taikang Win Life Annuity Insurance? 》
Third, the summary of the senior sister
On the whole, the guarantee responsibility of Grand Hyatt's life-long pension annuity is relatively general, and the income is not very gratifying, and it will not come back in a short time. Compared with Taikang's winning longevity, it is not very satisfactory!
After all, compared with Grand Hyatt Life Insurance, Taikang Win Hyatt Life Insurance receives much richer types of annuities and more substantial income. Why not choose Taikang to 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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