It is precisely because of this that education annuity insurance is deeply loved by parents, but there are still many pits in annuity insurance that we don't know about!
Today, Senior Sister takes the Pacific Dongfanghong Youth Wisdom Annuity Insurance as an example. Let's study it together!
Let's analyze what "pits" this product has hidden!
As a kind of insurance with financial management function, annuity insurance does hide a lot of "pits", so don't hurry to collect this lightning protection manual compiled by senior sister:
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1. What "pits" are hidden in the Pacific Dongfanghong Children's Wisdom Annuity Insurance?
Let's take a look at the protection chart of this product, which was compiled by Senior Sister personally:
1, single payment period
The payment period is only annual payment, and there is no wholesale payment. This is the Dongfanghong Young Intellectuals Annuity Insurance.
Wholesale payment refers to paying all premiums in one lump sum.
Compared with annual exchange, wholesale exchange is more suitable for those who have higher income at present, but their income is fluctuating.
This is because the total premium to be paid will be more worthwhile than the annual payment, just like the one-time payment and mortgage loan in our house purchase.
If the two payment periods of wholesale payment and annual payment are set, the insured can choose according to his own situation, which is very friendly to the insured.
Dongfanghong juvenile intellectual annuity insurance needs to be strengthened in this respect.
2. Cannot attach universal account.
What is a universal account?
If you don't want to get an annuity, put it in your account to compound interest and increase value.
At the same time, the guaranteed interest rate of universal account is basically between 30% and 40%.
There is really no harm to the insured, but it is actually an additional way to benefit!
Unfortunately, the coverage of Dongfanghong Youth Wisdom Annuity Insurance does not include universal account. In this case, the insured can only rely on the annual annuity, and the way to make a profit is very simple.
3. Uncertainty of dividend
As far as the product of Pacific Dongfanghong Youth Wisdom Annuity Insurance is concerned, the policy bonus is its biggest highlight, and many parents have taken a fancy to it.
It should be noted that dividends are related to the actual operating conditions of insurance companies. If the insurance company is not well managed, it is likely that it will not be able to distribute dividends in that year.
Furthermore, when consumers ask about the actual operating profit of insurance companies, insurance companies have the right to refuse.
Senior also summarized the terms of Dongfanghong juvenile wisdom annuity insurance, which clearly wrote:
In other words, the dividend is not very certain, maybe there is, maybe not;
Moreover, if there are dividends, consumers will not know how to pay dividends when they get the dividend notice, and only when they get the dividend notice will they know how to pay dividends.
In a word, it is whimsical to think that dividends will bring us relatively large income, so stop dreaming ~
The following is a concrete analysis of dividend insurance. If you want to know, you can have a look. Interested friends can go and see:
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2. What is the income of Pacific Dongfanghong Youth Wisdom Annuity Insurance?
The 30-year-old Lao Wang chose the Pacific Dongfanghong Youth Wisdom Annuity Insurance to insure his 0-year-old son. Payment: the annual premium is 654.38 million yuan, and the birthday payment is paid in five years. Age of receiving birthday gold: Choose 60 years old to receive birthday gold. Let's learn about its income:
Bonus: Beckham can receive 9% of the basic insurance amount every year in his life, that is, 53 10.9 yuan as a bonus.
Children's education savings: within Beckham's age range (0- 18 years old), you will have the opportunity to get 9% of the basic insurance amount as children's education savings every year, that is, 53 10.9 yuan.
When Beckham reaches the age of 69, he can receive the paid premium at one time, that is, 500,000 yuan.
If you look at it this way, it feels ok. There are many ways to receive an annuity, and you can start to receive it after the contract comes into effect. However, there are various problems in reality:
When Beckham 18 years old, the accumulated annuity is 10. 1 10,000+10. 1 10,000 = 202,000. At this time, even half of the premium was not paid!
In the adult stage of children, they need to receive higher education in the future, which will definitely cost a lot.
I am insured with the Dongfanghong Young Intellectuals Annuity Insurance, and I have no income at this stage, which is really unreasonable!
Moreover, when Beckham was 55 years old, his accumulated annuity was 297,000+106,5438+00000 = 398,000, and he hasn't paid back the capital yet!
The money has been invested, and the child is ready to retire before returning to the capital. Seeing this speed of returning to Beijing is really a pinch!
Excellent annuity insurance in the market can be repaid within 10 year of the policy.
In contrast, Dongfanghong Youth Wisdom Annuity Insurance really has no advantage!
Parents who want to insure their children with Dongfanghong Youth Wisdom Annuity Insurance should be cautious!
Third, the summary of the senior sister
Generally speaking, Dongfanghong Youth Wisdom Annuity Insurance not only has many weaknesses, but also the income is very disappointing!
Therefore, if you want to insure this kind of annuity insurance, you still need to pay more attention!
There is no good annuity insurance in the market, and there are still many excellent products. Senior sister has successfully sorted out these products. Interested friends can come and find out:
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Write it at the end
I am a scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
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