So is this product really good? Is it worth insuring?
Today, Senior Sister will evaluate this product to see if it is worth insuring!
If you are in a hurry, you can collect the related evaluation articles of Huijin Annuity Insurance first:
"Xinhua Huijin enjoys the exposure of annuity insurance income? A little touching ... "
First, whether the annuity insurance protection of Xinhua Huijin is good or not depends on these points.
As usual, Senior Sister presented a beautiful picture of Zhang Xinhua Huijin's annuity insurance product to all friends:
As can be seen from the product diagram, the annuity insurance clauses of Xinhua Huijin are quite complicated, but after careful understanding by senior students, the following series of characteristics are obtained:
1. There are three options for the warranty period.
Xinhua Huijin Annuity Insurance has three guarantee periods to choose from, namely 15, 10 and 8 years. Obviously, this is also a short-term annuity insurance.
If you want to buy a long-term security (such as 88 years old) or annuity insurance for pension planning, then Xinhua Huijin can't meet your needs in this respect. Our only way is to find other products to replace them.
If you want to seek long-term insurance products for your pension plan, then this list is available for you to choose from:
The top ten commercial endowment insurance market with cost performance! 》
2. Analysis of insurance age range
People born more than 30 days and under 7 1 one year old are more suitable for Xinhua Huijin to enjoy annuity insurance. It must be said that this insurance age range is relatively extensive in the annuity insurance market.
After all, the highest insurance age for some products of the same type is only 60 years old. In contrast, the insured age of Xinhua Huijin Annuity Insurance covers the elderly group of 60-7 1 year (excluding).
3. You can attach a general account.
The sources of receiving Xinhua Huijin Annuity Insurance include the following contents: caring money, survival insurance money and maturity survival insurance money. At the same time, friends can also attach Xinhua Jinliyou and enjoy whole life insurance (Universal). In this way, if you don't want to withdraw the annuity every year, you can put this part of the annuity into the universal account, which will be a very rich secondary value-added income over time.
The minimum guaranteed interest rate set by the universal account corresponding to Xinhua Huijin Annuity Insurance is only 2.5%. Compared with those universal accounts with the lowest guaranteed interest rate of 2.88% or 3% in the market, the latter shows a stronger competitive advantage.
The above is an analysis of the annuity insurance clauses of Xinhua Huijin, but as a life insurance with financial management nature, the most important thing to pay attention to is whether its income is good or not. Needless to say, senior has calculated it for everyone, and then look down!
Second, it's not too late to buy the real income of Xinhua Huijin's annuity insurance!
For the convenience of friends, let's take this as an example: there is a 30-year-old Mr. Wang. Suppose he bought an annual payment of 654.38+million, with a guarantee of 15 years. After paying for 3 years, the accumulated premium is 300,000, and the insured amount is almost 55,400. If you don't add a universal account, then
According to the calculation and analysis chart, Mr. Wang Can received a health care payment of 60,000 yuan at the age of 35; When the age reaches 36~44, Mr. Wang Can receives 27,700 yuan of survival insurance every year; When the guarantee expired, 45-year-old Mr. Wang Can also received an expired survival insurance premium paid by the insurance company, amounting to 55,400 yuan. This year, Mr. Wang finally got a profit of 364,700 yuan, excluding the principal of 300,000 yuan, and the net income reached 64,700 yuan.
In addition, the senior also calculated that when Mr. Wang was 45 years old, the IRR of the policy was 2.24%, which was not particularly high in the market. Some products on the market could reach 3.49%.
If you want to pursue high-yield annuity insurance products, I suggest you try one from this list:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Generally speaking, Xinhua Huijin enjoys annuity insurance with low cost performance. Although the age range of protection is wide, there are three options for the protection period, which are suitable for short-term investors, but not for those who pursue long-term investments.
Moreover, the annuity insurance of Xinhua Huijin is slow to return to its original capital, and it is not too late to reconsider.
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 top student, the official account of WeChat, and ask me about insurance.
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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