The answer will be announced soon. Senior Sister will give you a benefit first: Everything you want to know about China Life is here.
Not much to say, let me show you the routine of China Life Xinxibao Annuity Insurance!
1. How many ways do China Life Xinxibao Annuity Insurance receive money? Case analysis!
If you want to know about this product of China Life Xinxibao Annuity Insurance, Xue Jie has prepared a picture here:
If you want to know the product form of China Life Xinxibao Annuity Insurance, you must read the introduction of the following senior sister:
1. Wide insurance age
First, we can see that the age of China Life Xinxibao Annuity Insurance is relatively wide, and the highest age is set at 75 years old.
Nowadays, people can live longer and longer, and extending the retirement age is not nonsense. Annuity insurance has the characteristics of "paying more and getting more". Therefore, when we get older and have more savings, if we can have more money to insure annuity insurance, the more income we will get at maturity.
However, we should pay attention to one thing. If you bought it after 75 years old, the choice of guarantee period is only 10 year. This will lead to the situation that the elderly can only get very low value after buying insurance.
For example, 65438+ 10,000 yuan is invested every year, and the amount of insurance that a 75-year-old can invest is only 140400 yuan. Under the same conditions, the insured amount of a 60-year-old person can reach 147900 yuan!
From this, we can all infer that when the guarantee expires, the 75-year-old can only get a little care money. It can be seen that China Life Xinxibao Annuity Insurance is too broad in age range. I'm afraid it's not for a stunt, is it?
Of course, annuity insurance is still very good in adaptability, but ah, it should be noted that if all people are not so easy to mess with! So we still need to know more about annuity insurance, so let's learn together: with it, you can stay away from the trap of annuity insurance.
2. Provide four ways to receive an annuity.
Insured by China Life Insurance Xinxibao Annuity Insurance, you can receive four kinds of gold: special care gold, annuity, nursing gold and death insurance.
For this, whether Xin Xibao can receive death insurance money has to be said separately, because it is not for life.
So many ways to receive money, does it mean that the yield of China Life Xinxibao Annuity is considerable? Let's measure:
I calculated that the yield of this China Life Xinxibao annuity insurance product is really scary! Only 1.87%.
IRR yield can reflect a product's ability to resist inflation, but the performance of China Life Xinxibao Annuity Insurance is not satisfactory.
What you need to know is that the IRR yield of excellent annuity insurance on the market is 2.7%, like Taikang Win Yue Life Insurance, and the insured 105 can still be guaranteed! In contrast, this China Life Xinxibao annuity insurance really needs to be improved ~
Due to the limitation of space, China Life's Xinxibao Annuity Insurance has many shortcomings. Senior sister sorted it out and put it in the following evaluation article. If the boys like, please browse the following: Xinxibao seems to get a lot of money every year?
In our opinion, China Life Insurance is also a big company, but Xinxibao Annuity Insurance seems a little petty.
Everyone wants to choose a good product. Of course, senior sister also hopes that everyone can get a good product, so here senior sister shares some experience of avoiding pits with you!
Second, what should we look at when choosing annuity insurance?
Simply put, there are the following points to pay attention to when choosing annuity insurance:
1. The more practical the better.
The focus here is mainly on the return time and collection method.
Go back to the original time, in other words, when will the money returned be the same as the premium? So, of course, the sooner you return to your home, the happier you will be, which shows that this function is very powerful: Qian Shengqian.
Annuity insurance products with a guarantee period of 20 years and a repayment period of 5 years are very different from 15 years ~
The CBRC stipulated a similar situation in 20 17, "Annuity insurance shall not be returned within five years, and the amount returned after five years shall not exceed 20% of the premium". Therefore, when choosing annuity insurance products, we must keep our eyes open and choose products that can be returned after five years.
Relatively speaking, the more ways to get, the friendlier. For example, there are two kinds of education funds to choose from, one is the return from primary school to university, and the other is the return from primary school to other stages outside university, such as starting a business and getting married. Which one do you choose?
Although China Life Xinxibao Annuity Insurance has many ways to receive it, unfortunately, its guarantee time is really short. Annuity insurance is essentially an insurance that lasts as long as you are alive, but it is inevitable that such a short guarantee time and various acquisition methods will lead to low returns.
2. It is better to have a general account.
Regarding annuity insurance, some will provide us with compound interest accounts, so that people who are not in a hurry can put their money back in and continue to bear interest.
What's the compound interest rate? We need to pay attention to it. After all, some accounts are universal accounts. After we deposit the money, we need to reduce part of the guarantee fee before we can calculate the principal for interest. In order to prevent the money you earn from being deducted by the guarantee, pay attention to the interest rate.
Universal account can guarantee the bottom interest rate, that is, guarantee the rate of return. However, when introducing products to you, some salesmen want to increase the rate of single payment, deliberately saying that the settlement interest rate of 5% is the guaranteed interest rate of 1.75%. So everyone must look carefully!
High-level summary:
The yield of China Life Xinxibao Annuity Insurance is simply speechless. It should be noted that the longer the guarantee time, the more valuable the annuity insurance.
Although it is a short-term product, the Fu Bao annuity insurance of China Life Insurance Company is also quite poor. There is a small golden pig term annuity in Alipay, and the income I get from buying this is higher than it! I suggest you think twice before voting for it!
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 the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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