Many people secretly ask their senior sisters in the background whether this annuity insurance is worth buying and whether the income is good.
Today, Senior Sister will discuss with you the actual income of this Shi Sheng Xinyue Annuity Insurance. Is it worth buying?
Before we start, let's take a look at this pit avoidance strategy about annuity insurance:
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First, the contents of Shi Sheng Xinyue Annuity Insurance.
If Shi Sheng Xinyue Annuity Insurance contains any protection content, we must look at this protection map of Senior Sister:
1, insurance rules of Shi Sheng Xinyue Annuity Insurance
As we know from the above figure, people aged 28 days to 65 can apply for Shi Sheng Xinyue Annuity Insurance, but most annuity insurances can accept people aged 0 to 70. In this way, the age limit of Shi Sheng Xinyue Annuity Insurance is still relatively strict.
Shi Sheng Xinyue Annuity Insurance is a short-term annuity insurance product with a guarantee period of only 65,438+00 years. Only after the fifth anniversary of the insurance policy can people receive the survival insurance money.
The payment period is set to three years, and the other five years, the insured can choose.
2. The coverage of Shi Sheng Xinyue Annuity Insurance.
The coverage of Shi Sheng Xinyue Annuity Insurance is relatively simple, covering death insurance, policy loan and survival insurance.
(1) survival insurance
During the period from the fifth policy anniversary to the ninth policy anniversary, the insured can actually receive the survival insurance money at each policy anniversary, and the receiving ratio is 2% of the paid insurance money.
When the contract insurance expires and still exists, the insured receives the survival insurance money according to the agreed amount (the contract is terminated).
(2) Death insurance
The insurance company may terminate the contract under the following circumstances: the insured dies, and the insurance company pays the premium paid or the cash value is large.
(3) Policy loans
If our family is short of money, we can choose to withdraw the cash value of the policy, and of course we can choose other options. Applying for a policy loan from an insurance company is also an option you can make.
Generally, the loanable amount cannot exceed 80% of the cash value of this contract at that time, and the longest term of each loan is generally 6 months.
2. What is the income of Shi Sheng Xinyue Annuity Insurance?
What is the income of Shi Sheng Xinyue Annuity Insurance? If the senior takes a 40-year-old male as an example, he needs to pay 1 000 yuan every year for three years, and the accumulated premium is 30,000 yuan. The calculation is as follows:
Let me share an example with you. If 40-year-old Lao Wang chooses to buy Shi Sheng Xin Yue's annuity insurance, he chooses to pay 65,438+00,000 yuan a year for three years, and the guarantee period is 65,438+00 years.
After reading the results of calculating the income, we will find that old Wang Can will get a 2% premium every year because of his memory after he is 45 years old, that is, if 600 yuan is still alive at the age of 50, he can directly get 39 150 yuan.
Suppose Lao Wang died unexpectedly at the age of 48, and paid a total premium of 30 thousand yuan. When he died, the cash value of the policy reached 35,930 yuan. At this time, the insurance company will take the maximum compensation of 35,930 yuan to the insured.
This is the income of Shi Sheng Xinyue. There are still a lot of annuity insurance with high returns on the market, and the senior sister will sort it out here:
Top Ten Annuity Insurance Rankings! 》
3. What pits are there in Shi Sheng Xinyue endowment insurance?
In addition to the general income, what pits will Shi Sheng Xinyue have?
1, there is no function of insurance increase, insurance decrease and deduction settlement.
The flexibility of most annuity insurance in the market is higher than the normal level, which ensures the insured to increase, decrease and pay off the reduced amount, but Shi Sheng Xinyue Annuity Insurance does not include these functions.
If there is the function of additional insurance, during the insurance period, the insured can invest more money by himself, so that the income will rise and more income can be obtained.
The purpose of surrender is to meet the needs of using money, withdraw some money without surrender, but still retain the insurance rights and interests.
Deduction settlement function exists and can be used. If the insurance cannot be renewed, you can choose to calculate the current premium, which will lead to less money in the later period.
The three functions mentioned above are not available in Shi Sheng Xin Yue, which is really unsatisfactory.
2. The guarantee period is short.
As a short-term annuity insurance, Shi Sheng Xinyue can get benefits in a short time, but the short guarantee period has become one of its shortcomings.
Relatively speaking, consumers who have stable financial needs in the short term are very suitable to buy Shi Sheng Xinyue Annuity Insurance, while consumers who have long-term financial goals had better not consider it, so it is not applicable. In addition, the senior does not recommend buying it as a pension, because the guarantee time is really short.
Generally speaking, the income of Shi Sheng Xinyue Annuity Insurance is relatively general and its flexibility is not high. Senior sister thinks we can also consider other annuity insurance that is more worth buying. Please poke the link below for details:
202 1 top ten wealth management products worth buying! 》
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