Therefore, it is expected that annuity insurance will support the third pillar pension 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.
At present, Grand Hyatt life pension annuity insurance has been launched. The characteristics of "safety and stability, contract embodiment" and "fixed payment, life-long collection" have brought a lot of attention to this insurance, so is this product really that good? Little friends can read this article!
1. Is the Grand Hyatt worth buying for a lifetime?
Senior sister made a product description of Jun yue life for everyone:
The conclusion given by the senior is very meaningful, as follows:
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 similar products that can be received before the age of 60, the life of Grand Hyatt is slightly inferior.
Although the current situation is that the retirement age is extended, from a certain point of view, of course, the sooner you get it, the better!
Therefore, before buying annuity insurance, you must fully understand the terms, otherwise it is easy to make your rights and interests unprotected.
No, this guide to avoiding the pit of annuity insurance has been sorted out and given to you by a caring senior. Quick 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.
Grand Hyatt's life pension is paid annually and monthly, and the insured can receive the pension according to the basic insurance amount annually, assuming 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 get the principal back by insuring Grand Hyatt. If you want to get your capital back before the age of 75, you must start at the age of 65. This time is a bit long!
Even if you can get it for life, you can get 16065 yuan every year, which can be said to be relatively small!
Although we don't know the standard of living decades later.
Therefore, Grand Hyatt is not the best in his life! For the partners who have the intention to buy, the senior sister thinks it is necessary to think twice!
In this case, the senior sister doesn't want to miss this, so she will dig up 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, Senior Sister will first show you the product map of Taikang winning yue life:
I 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 to receive. Taikang Win Yue Life Insurance provides four kinds of annuities, namely special insurance, survival insurance, birthday insurance and education care fund. After the insurance policy is paid for 6 years, you can receive money for life from the sixth year, which means that the longer you live, the more annuities you receive!
Compared with Grand Hyatt, which can only receive pension and death insurance, Taikang has obvious advantages in winning life.
2. General account can be attached.
Taikang Yue Ying Life Insurance has created a universal account, which is actually a member account set up by insurance companies for customers.
For example, if you invest in Taikang Win Yue Life Insurance, you are not in a hurry to use this money. This money can be put in a universal account and continue to generate income as the principal. It's great to get benefits through this money cycle!
Want to know more about the value-added principle of universal account, click to enter:
"Super complete! Everything you want to know about insurance is here.
How much income will Taikang Win Life get from this product? I believe the following introduction will give you some understanding!
3. The income is considerable.
For example, a 30-year-old Lao Wang, who is insured by Taikang Win Yue, pays 65,438+10,000 yuan every year for five years, then he can get the income shown in the following figure:
First of all, the special survival insurance can be collected in the sixth, seventh and eighth years after the policy comes into effect, and it will cost 75,000 yuan in three years.
Secondly, the survival insurance can be collected from the ninth year of the policy. If you don't get it before the age of 60, you can get a maximum of 7680 yuan per year, and you can get 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.
As shown in the interest calculus chart, if Lao Wang reaches the age of 90, he can get the income of 1220 120 yuan, accounting for half of the total premium.
Of course, this is not the highest income that old Wang Neng got. He can also deposit the money into the universal account to make the money increase in value for the second time. This income is great!
Finally, I will give you a benefit that will deepen your understanding of Taikang's winning life:
Taikang Win Yue Life Annuity Insurance was launched, and I was finally moved! 》
Third, the summary of the senior sister
To sum up, the guarantee responsibility of Grand Hyatt's life-long pension annuity has no characteristics, the income is relatively dull, and the return speed is not fast. I can't get it out in front of Taikang's victory!
After all, compared with Grand Hyatt Life, Taikang's annuity collection types are much richer and the income is better. What do you hesitate about Taikang's life?
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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