What is variable annuity insurance?
This kind of insurance means that the insurance company invests the insurance premium of the insured in investment transactions and distributes the investment bonus to the insured who participates in the annuity. The insured should bear the investment risk, and the insurance company should bear the risk of mortality and expense rate changes. If you take part in this kind of insurance, you can get basic protection and a high insurance annuity by taking high risks. This is more like a mutual fund investment, which can cope with inflation.
What are the characteristics of variable annuity insurance?
1, the insured can freely choose investment tools.
2. High rate of return and at your own risk.
There is another creditor for the premium.
Even if the investment fails, there is still a minimum death pension.
Inflation is one of the main risks faced by the insured in long-term insurance. At present, the domestic inflation rate has been very high, which means that people's living costs have increased and insurance premiums are depreciating, which is what the insured is most worried about. Variable annuity insurance can resist inflation and keep the annuity obtained by the insured from depreciating. This is a promising variety.