In this regard, senior students are still willing to understand. Many young people think they can understand after reading private letters. Xinxibao Annuity Insurance, a product of China Life Insurance, is an insurance giant. A few days ago, a little friend asked me to test it. I will announce the evaluation results today. At the same time, I also take this opportunity to talk to you about the choice of annuity insurance.

Before the results are announced, let's have a welfare senior: How about China Life? Which product is better?

Not much to say, how about China Life Xinxibao Annuity Insurance? Senior will show you its routine now!

1. How many ways do China Life Xinxibao Annuity Insurance receive money? Case analysis!

This picture compiled by Senior Sister can help you understand what China Life Xinxibao Annuity Insurance is like:

What are the product forms of China Life Xinxibao Annuity Insurance? Here is a brief introduction:

1. Wide insurance age

First of all, we can see that China Life Insurance Xinxibao Annuity Insurance is relatively loose in the setting of insurance age, and the maximum insurance age is limited to 75 years old.

Nowadays, with the increasing age of contemporary people, the age of delaying retirement cannot be said to be irrelevant. The characteristic of annuity insurance is that "the more you pay, the more you get". At 75, you will get the most. If we take China Life Xinxibao Annuity Insurance as the investment object, then we will get more rich income.

However, one thing needs to be explained. If you are over 75 years old at the time of purchase, 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, 65,438+10,000 yuan is invested every year, and the amount of insurance that a 75-year-old can invest is only140,400 yuan. Under the same conditions, the maximum insured amount for a 60-year-old person reaches 147900 yuan!

From this, we can all infer that when the guarantee expires, the 75-year-old can only get a little care money. In this way, the age range of China Life Insurance Xinxibao Annuity Insurance is so wide. Isn't this a different plan?

2. Provide four ways to receive an annuity.

It seems that it is still very good to insure China Life Insurance Xinxibao Annuity Insurance, and you can get so much money: special care, annuity, nursing and death insurance.

But what we need to know is that Xinxibao is not guaranteed for life, so it is hard to say whether we can get death insurance.

We have seen so many ways to receive money. Does that mean that the yield of China Life Xinxibao Annuity is very high? Let's calculate it first, and then we'll know the result:

After my calculation, I found that the yield of this China Life Xinxibao annuity insurance product is really low! Only 1.87%.

The anti-inflation ability of a product can be known by IRR rate of return, however, judging from the results of China Life Xinxibao Annuity Insurance, it is not impressive.

The relatively good annuity insurance on the market has an IRR yield of 2.7%, which you should know. For example, if Taikang wins his life, he can still provide protection until 105 years old! In contrast, this China Life Xinxibao annuity insurance product is really useless ~

Due to the limited space, I put down this article about other defects of China Life Xinxibao Annuity Insurance for everyone to read. If you have curious friends, please remember to have a look. Don't be fooled: Xin Xibao can get high returns every year? This interest rate made me give up this idea. ...

China Life Insurance is one of the largest insurance companies, and it is a little petty to see the insurance products of Xinxibao Annuity.

Here, my senior sister will share some ways to avoid the pit, hoping to be useful to everyone!

Second, what should we look at when choosing annuity insurance?

Many people don't know how to choose annuity insurance. Need to pay attention to the following points:

1. The more practical the better.

The focus here is mainly on the return time and collection method.

The return time can be regarded as the time when the returned money becomes 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.

For an annuity insurance product with a 20-year guarantee period, one needs 15 years and the other needs 5 years, which is quite different ~

In 20 17, the corresponding clause in China Banking and Insurance Regulatory Commission, China stipulated that "within five years, it cannot be returned within five years, but it can be returned after five years, but the amount cannot exceed 20% of the premium". You should know that the products that can be returned after five years are excellent annuity insurance products.

But the more ways to get, the better. For example, there are two kinds of education funds, one is to return from primary school to university, and the other is to return at the stages of starting a business and getting married. How do you choose?

There are many ways to obtain China Life Xinxibao Annuity Insurance, but the guarantee period is too short. Annuity insurance essentially refers to receiving money when you reach the age, but the guarantee period is very short. Even if there are many channels to receive it, there is still no result of exempting low income.

2. It is better to have a general account.

For annuity insurance, someone has prepared a compound interest account for everyone, so that people who are not in a hurry can put their money back in and continue to bear interest.

What's the interest rate for this interest? You can pay attention. This is because some of these accounts are universal accounts, which are a little different. After the money is invested, part of the guarantee fee will be deducted, and the rest will be included in the principal interest. Therefore, paying attention to the interest rate is to prevent the money you earn from being deducted from the guarantee fee.

Universal account can guarantee the bottom interest rate, that is, guarantee the rate of return. But some salesmen want to improve the success rate of orders when they tell you, and take the billing interest rate of 5% as the guaranteed interest rate of 1.75%. So be sure to look carefully!

Senior sister also made some detailed investigations on things related to universal accounts. How comprehensive is the universal account? If you want to know, you can directly click here: Is universal insurance really that good? Come and have a look!

High-level summary:

China Life Xinxibao Annuity Insurance, the rate of return can be described as unsightly. Senior sister really doesn't recommend you to take out insurance ~

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.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!