Therefore, the senior sister also understands the feelings of so many young people who privately consult annuity insurance. China Life Insurance is a giant (Xinxibao Annuity Insurance). Just a few days ago, a little friend asked me to test this insurance. Today, I will announce the evaluation results, but before revealing the secret, let me talk to you about the choice of annuity insurance.

Before it's too late, Senior Sister will take you to take a closer look at the routine of China Life Xinxibao Annuity Insurance!

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

This picture was specially prepared by Xue Xuejie for the convenience of understanding China Life Xinxibao Annuity Insurance:

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

We can still see that the insurance age of China Life Xinxibao Annuity Insurance is very wide, and the age of 75 and below is within the scope of insurance.

Now, people can live longer, and it is not unusual to extend the retirement age. The feature of annuity insurance that "the more you pay, the more you get" is that when you pay 75 years old, you will get the most property. If you invest in China Life Xinxibao Annuity Insurance, you will naturally get more.

However, one thing needs special attention. If you are 75 years old at the time of insurance, there is only one choice for the guarantee period, and that is to choose the guarantee 10 year. This practice will lead to very low insurance coverage for the elderly after starting.

For example, if everyone invests 65,438+10,000 yuan every year, the annual insurance amount can be140,400 yuan, which is the maximum amount for a 75-year-old, but under the same conditions, 60-year-old can invest147,900 yuan!

If you think about it, you will know that when the security expires, the 75-year-old man can get very little nursing fee. It can be seen that the age range of China Life Insurance Xinxibao Annuity Insurance is too broad. Isn't this a different plan?

Annuity insurance is very practical, but we still have to take precautions. It can be said that it is a denial! Therefore, we must learn the following skills: "Learn it and take you away from the 99% annuity pit."

2. Provide four ways to receive an annuity.

As we know, if you insure China Life Insurance, you can get special care annuity, caring annuity and death insurance.

We need to know that Xinxibao is not guaranteed for life, and it is not clear whether we can receive death insurance.

On the other hand, there are many ways to get money, but can this show that the yield of China Life Xinxibao Annuity is very good? Let's measure:

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

IRR yield shows how strong a product is in the face of inflation. However, judging from the performance of China Life Xinxibao Annuity Insurance, it is not impressive.

What you need to know is that the IRR yield of good annuity insurance on the market is 2.7%, such as Taikang Win Yue Life Insurance, and this product can also be guaranteed to 105 years old! In contrast, this China Life Xinxibao annuity insurance product is really useless ~

Because of the limited articles, the senior and senior sisters sorted out other shortcomings of China Life's Xinxibao annuity products and put them in the following evaluation articles. If you want to know more friends, please click the following link: "Does Xinxibao earn a lot every year?" This interest rate scares me. "

China Life is a big company in any case, but this letter-Xibao annuity insurance product looks too stingy.

Senior sister doesn't want to see everyone worry because they can't choose a good product, and they don't know how to avoid the pit. Here, the senior sister will share a wave of tricks to avoid the pit. You can have a look!

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

In any case, you need to pay attention to the following aspects when choosing annuity insurance:

1. The more practical the better.

The focus of this place is the time to return to nature and the method of collection.

The return time can be understood as the time when the returned money and premium are equal. Therefore, of course, the sooner you return to your capital, the happier you will be, because it shows that Qian Shengqian is still very capable.

The guarantee period of the two annuity insurance products is also 20 years, and the return time is 10 year, which is very different ~

In 20 17, CBRC stipulated that "annuity insurance can only be returned after 5 years, but the amount of return is between 20%". Therefore, when we choose to buy annuity insurance products, it is very important to choose one that will be returned after 5 years.

Relatively speaking, the more ways to get, the friendlier. For example, there are two options for education funds, one is to return from primary school to university, and the other is to return at some stages such as starting a business marriage. So what would you choose?

Even though there are many ways to receive China Life Insurance's Xinxibao Annuity Insurance, it is a pity that its guarantee time is not very long. Annuity insurance is actually an insurance that lasts as long as you are alive. However, with such a short guarantee period and various collection channels, it is still impossible to avoid a low-yield outcome.

2. It is better to have a general account.

Some annuity insurance will give a friend a compound interest account, so that people who are not in a hurry can put the refund in and continue to bear interest.

The interest rate of interest should be known to all friends. The reason for concern is that some accounts are universal accounts, and after we invest the money, we will deduct part of the guarantee fee and include it in the interest principal. Because the interest rate is low, the money you earn will not be deducted from the guarantee fee, so we will pay attention to the interest rate.

Universal account with guaranteed interest rate, which means your rate of return will be guaranteed. 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 friends must not take it lightly!

My senior also made some detailed investigations on things related to universal accounts. Friends who are curious about the universal insurance account, don't miss: "How to understand universal insurance, is universal insurance really so easy to use?" 》

High-level summary:

The yield of China Life Insurance Xinxibao Annuity Insurance is really poor. The allocation of annuity insurance is really that the longer the guarantee period, the more it can reflect its value.

However, even if it is a short-term product, China Life Insurance's Xinxibao Annuity Insurance is quite trivial. I bought Alipay's golden pig term annuity, and the yield is higher than this! I hope everyone will buy it, and you must consider it carefully before!

Write it at the end

I am an insurance top student, 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!