Annuity insurance will certainly not deceive people. The products issued by insurance companies are supervised by the regulatory authorities. Therefore, since annuity insurance can be sold publicly, it will naturally not deceive people. But why do many customers in the market think they have been cheated when they buy annuity insurance? I summarized the following points:

First, the fuzzy annualized rate of return even gives customers a wrong judgment and analysis compared with the bank's time deposit interest rate. For example, for a term annuity insurance, you can deposit 10000 yuan for one year, and deposit one for three years. After 10 years, you can withdraw the principal and interest. The salesperson may tell the customer that it can be returned to 600 yuan in one year, so that the annualized income can reach 6%. Actually, it is not.

Second: exaggerate the benefits. Annuity insurance can be attached with universal insurance. Salespeople generally only say what the current settlement interest rate of universal insurance is, not the minimum guaranteed income. The current settlement interest rate of universal insurance is not fixed, and it will change at any time according to the company's profitability, and even drop to the minimum guaranteed income. In fact, the income of annuity insurance is not high, but it is more stable than other financial management methods and can provide certain risk protection.

Third: the investment period is long, and the cash value can only be refunded when the insurance is surrendered, so the loss will be great. Annuity insurance is a long-term financial insurance with a long term. Although many products advertise that the investment can be withdrawn in the fifth year after three years, remember that only the principal can be withdrawn after five years, with almost no interest, and the contract will be terminated.

The above is the pit of annuity insurance that I summarized. Annuity insurance itself is still a good product, because it has the function of compulsory savings. After young people buy annuity insurance, they can form the habit of saving pension for a long time, so that the funds can be used for special purposes. If you choose commercial annuity insurance with dividend function, its compound interest and value-added function can resist inflation risk. Moreover, the return of annuity insurance is clear, and the amount of personal purchase and payment period can be calculated according to how much pension you want to receive from the insurance company every year or month after retirement. You can get the money after the time agreed in the contract.

Annuity insurance does not deceive people. In fact, it is a simple truth: if you have spare money, you have no place to invest, or you think you are afraid to invest in other things, or you are afraid of being missed by outsiders, then you should buy annuity insurance. But if you spend 30,000 yuan or 100,000 yuan in a short time, you don't want to have as much income and similar interest as other people who invest hundreds of thousands or millions.

In the long run, if you buy annuity insurance, it will be more correct, too lazy to take care of it, and compound interest with time and cost, and the income will be good.

This is called lazy financial management, there is no risk, the principal is safe, and the income is appropriate. Of course, you must choose a statement that has been in the insurance industry for a long time and has a stable annuity return over the years. If you buy the products of this company, you can sleep soundly, because they won't mess around, and they won't mess around.

In addition, there are two forms of annuity: 1. The return of fixed income refers to the form similar to education fund, such as the return of nnnn yuan in the fifth year, and the return of nnnn yuan every year from the sixth year to the n year. When you reach NNN's age, what are your birthday gifts, what are your special gifts, and 2. It will be refunded at the interest rate, such as about 2.5%.

If you have to say it, you must always invest 30 thousand to 50 thousand. You just want to dig a golden doll in three to five years. I'm telling you, that's impossible. You want the principal to be safe and the income to be beyond the chart. There will be no risk. I tell you, there is nothing you want in this world. If there is, 100% is undoubtedly a liar!

If you have spare money, you can buy it with confidence, but if your agent promises you something for several years, just flip it a few times and a small company will tell you that it is better than one person, and you can make him disappear from your face quickly! Roll as far as you want, because he doesn't understand this light bulb to confuse you!

Remember, for annuity insurance, you must buy a product that can be attached to a universal account, and participating in the secondary income dividend is actually a secondary value-added, so you will have better income.

Your recovery expectation must be proportional to the time. The longer the time, the more money will be invested. Suitable for medium-term education investment, and an extra guarantee after retirement.

The key is that you don't have much money, but if you put it in a bank card or a treasure, it will increase at any time. If you can't control it, you will think about misappropriating it. If you can't let go, few people can.

In addition, when people know that you have some money, they will marry a woman, a daughter-in-law, or buy a house, or their children go to college, or study abroad, or see a doctor. They will try their best to grind you every day and let you subsidize or lend it to him. Your little money will be gone after a few times, so it's hard to say if you don't pay it back.

The same is to save money. If you change places and switch to annuity insurance, no one can get your idea, and you can get some benefits without worrying about risks.

Once again, annuity insurance relies on time to exchange income. The shorter the payment period, the faster the payment (from the fifth year) and the longer the payment time (for life). If you buy this thing at the age of 30, it will take you 45 years according to the average life expectancy of 80 years. If you buy this thing at 40, it will take you 35 years. You can weigh it yourself. Why do you have to choose a company with a long insurance business?

Halfway through, your payment is full. If you need capital turnover, you can apply for a policy loan. This kind of policy loan is not the kind of loan mortgaged by the third party in the market with the subject matter of the policy. You lend the principal directly from the insurance company according to a certain proportion (usually 80%) of the cash value of the premium you paid at that time. The term is usually half a year, which will not affect your income and protect your rights and interests. But you need to pay a certain loan interest rate, which is no different from the yield.

In fact, there is another saying that the insurance policy is yellow, and thinking about parents is an effective tool for parents to pass cash to the next generation legally and safely. Many families give their children premarital property, which parents get, parents don't get, children don't get, grandchildren get, and three generations benefit. Of course, this is also an effective means to prevent children with large wealth from squandering and unfilial their parents in their later years. It needs to be controlled by other tools. It is not only an arrangement, but also a family system and a tool.

Because, if you put your tens of thousands or hundreds of thousands in other places, you may earn more, but it may not be stable. If you lose that small principal, you will think, it will take you years to climb out, and you will shout for a long time.

Everyone wants to get rich, but the principal is only a few thousand or tens of thousands. You'd better wash your hair with cold water first. Don't joke.

Annuity insurance is just one kind of insurance products and a very good financial management tool. Annuity insurance has many functions, and annuity insurance does not deceive people. Only by misleading sales and selling annuity insurance to people who don't need it is a lie.

Annuity insurance has many functions, such as:

1. Annuity insurance can realize directional planning, matching medium-and long-term financial planning, such as children's future education fund, pension, etc., which is earmarked for special purposes and cannot be confused or misappropriated.

2. Annuity insurance has the function of compulsory savings: to prevent impulsive consumption and speculative mentality. After saving the future pension and education funds for children, you can buy or make venture capital in buy buy.

3. Annuity insurance can create cash flow as long as it lives. Life will not be a burden as long as you live and get it. It can indeed pass on the risk of longevity and avoid the situation that people are alive and have no money.

4. The principal of annuity insurance is safe, steadily appreciated, with stable income and no fluctuation in annual growth.

5, the time value of money: insist on repeated interest, over time will be a huge wealth. For example: 3.5% compound interest, if you persist for 40 years, then the annual simple interest can reach 7.4%;

6. Lock the medium and long-term guaranteed interest rate in advance to counter the downward trend of interest rates.

Thank you for your question.

What insurance is not deceptive, the terms of the contract clearly stipulate the relevant interests of the insured!

Because many sales and service personnel are unprofessional or misleading, and consumers are credulous and sloppy, insurance itself becomes unreliable …

But buying insurance really needs your caution!

At the end of the year, in order to have a good harvest in the new year, companies have launched their own plans, especially annuity products.

Annuity insurance is divided into several categories, and each category has different functions! Not all customers are suitable for it. In addition to the clear downward trend of interest rate in the big economic environment, annuity can also lock in the long-term rate of return for us and have other functions to solve personal needs.

So my suggestion is that annuity insurance is worth buying. As for what kind of products to buy, you need a professional and reliable insurance broker to help you check, and it is best to customize them according to your comprehensive needs!

All insurance is not a lie. It must be someone cheating, not insurance.

Annuity insurance is actually a relatively simple insurance, which means that when the insured is alive, according to the contract, the insurance company will return a certain amount according to the insurance contract when the insured reaches a certain age or reaches the return time agreed in the contract.

All the above contents are agreed to be returned, which is stated in the contract. As long as you read the contract carefully, you will understand that there is no cheating.

It is controversial that the current annuity insurance will be merged into a universal account.

Universal insurance generally has an initial fee, and the deduction ratio of initial fee of each company is different. About 1%-5%.

There is a handling fee when universal insurance is collected in the early stage. The handling fee is the highest in the first year when the policy comes into effect, and then it will decrease year by year. Generally, it will not be collected after five years.

The income of universal insurance is guaranteed, and the guaranteed income is generally between 1.75%-3%. If you choose, try to choose the one with high guaranteed interest rate.

If the income of universal insurance is not capped, there will be ups and downs. Generally, there is a lot of controversy here. In order to get the business, many salesmen will explain it according to the high-end demonstration interest rate, but if they can't reach the high end, there will be disputes.

In fact, the uncertainty of insurance income is reflected in the insurance contract.

It is very important to find a professional insurance practitioner. Professional insurance salesmen will at least tell you the pros and cons, and you can make your own judgments and choices.

Annuity insurance is the name of a product, which is not deceptive in itself. People who sell this product may deceive others or mislead themselves because of wrong cognition.

The reasons for people's misunderstanding of annuity insurance are: firstly, they don't understand the product and have wrong expectations and cognition;

The second aspect is the misleading of agents or brokers. The professional ethics level of insurance sales practitioners is uneven, and it is not excluded that there are mercenary people. In order to sell the product and mislead you, they said there was no product function.

For the first aspect, you can have a correct understanding of the product by knowing the following points: 1. Annuity insurance is an insurance product. According to the correct order of insurance allocation, first allocate basic insurance such as accident insurance, critical illness insurance and medical insurance, and then consider other insurances. If you haven't configured basic insurance, don't configure annuity insurance;

2. In terms of investment nature, the main feature of annuity insurance is safety. This is determined by the nature of insurance companies. According to the national insurance law, an insurance company cannot be dissolved. So buying annuity insurance is 100% safe;

3. The short-term income of annuity insurance is very low. In terms of income, annuity insurance needs to be held for a long time, and only compound interest can have better income. Therefore, it is suitable to configure annuity insurance to prepare pension, education fund, marriage fund and so on.

The above are the main features of annuity insurance.

For the second aspect, you need to find a professional and reliable agent or broker. How to judge? 1, working years, generally long working years, relatively professional and reliable. The elimination rate of insurance sales practitioners is high. Generally, most of them can't persist within two years and leave without income. Poor sales ability and professional ability are the main reasons for their insufficient income.

2. In the process of sales, no one has introduced the above characteristics of annuity insurance, indicating that this person does not understand annuity insurance, is unprofessional or does not consider the problem from the perspective of customers.

3. See if the salesperson has a certificate related to financial management? Yes, maybe more professional. Because annuity insurance has a strong investment attribute, it needs to be configured in combination with the financial situation of customers. Do we judge whether he is professional by the certificate he has obtained?

Through the above three points, we can basically judge whether a person is professional and reliable.

By solving the above two problems, we can avoid being cheated when configuring annuity insurance.

Annuity insurance can't be said to be deceptive. It can only be said that annuity insurance is not suitable for most people.

Because for many people, its rate of return is not enough (mostly around 2%) and its guarantee is not enough (almost no guarantee), so it is not suitable for us.

Moreover, the people who sell products with you generally don't remind you that you will lose some premiums if you surrender midway, or even tell you that this is insurance.

When you find it inappropriate, you can only lose money if you want to surrender in advance. So many people think that insurance is deceptive.

What is annuity insurance? Annuity insurance is actually a kind of insurance.

What about insurance? There are two kinds. One is pure protection, such as critical illness insurance and medical insurance that you are familiar with.

There are also protection+annuities and dividends, but the income is usually very low-not much better than time deposits.

This kind of annuity insurance = insurance protection+wealth management products with poor returns.

For example, Alipay recently launched a national lifelong pension.

Use the assistant's account to calculate: she is 26 years old. If she buys 6.5438 million yuan of national insurance now, according to the product demonstration, the next income-

Taking this time cost into account is probably equivalent to buying a wealth management product with an annualized rate of 1.8%.

The bank's three-year time deposit rate is 2.75%.

At this time, someone wanted to ask me, and the bank sales told me that annuity insurance still has dividends! Why is it not a dividend?

Yes, there are dividends! But how much can you get? Not sure.

In the product description, there is usually a dividend demonstration table, which divides dividends into three grades: high, medium and low.

What comes out in red is the low-grade bonus guaranteed by the whole people.

In the end, whether the dividend paid by the insurance company is "0" or 3.2%, 6. 1%, only God knows.

Of course, annuity insurance also has a little protection function, and I will tell you when I sell it. In case you hang up halfway, you can still pay compensation.

How much should I pay? I will pay you the principal as it is, without interest.

Speaking of which, do you understand? Relying on dividend annuity insurance to support the elderly, you may not even be able to afford porridge when you are old.

A rich friend of mine bought a lot of this kind of insurance, but he did it to counter extreme risks, such as long-term economic stagnation, negative economic growth, zero interest rate or even negative interest rate. ...

But this super-rich man buys annuity insurance, and he is not considering the income, but keeping the principal. This is different from the investment focus of ordinary people.

We mortals, don't take that poor principal to send money to the insurance company.

One of my clients once complained to me that she bought an annuity insurance through the bank. At that time, the bank said it was very good and told her that it could be taken out in five years. As a result, when I went to get it five years later, I found that the product was delivered in 10, and I could only get the value and get back 50% of the premium.

As a result, she was very angry. I read the contract. It's true. In fact, annuity insurance itself is a product, and it has its own unique products. There is no such thing as cheating. It is always the salespeople who cheat.

Just like cosmetics, it is good to wash your face, but it is shameless to always fool it into washing your hair. This is the case with annuity insurance sales. How to prevent being cheated, we should do the following:

1. Know what the purpose of buying annuity insurance is. My personal college classmate once asked me if my company has a one-year savings and wealth management product, and the income is not bad. As soon as I heard this, I turned him down, not because I didn't want to make an insurance policy, but because he bought it for short-term gains.

It is not that there is no short-term annuity insurance, but that the income cannot be reached. Insurance dividends and benefits need to be obtained through long-term investment and compound interest. If you want short-term gains, no matter which product, it may be "deceptive".

But if your purpose is to form the habit of compulsory savings, prepare personal pension, children's education fund, etc. This is a good choice.

2. Know who to buy it for. When one of my clients meets me, tell her that she has been cheated.

She said that she wanted to buy herself an annuity insurance as a supplement to providing for the aged. She talked with the agents around her and was satisfied with the product. What happened? The agent mistook his daughter for the insured, and the customer didn't pay much attention when recording the bill.

Now, the customer wants to cry and say, my daughter 10 or below, I won't start receiving a pension until I am 55 years old. What is the use of buying this insurance?

In fact, many customers know the purpose of buying insurance, but they neglect to buy education funds for themselves and pensions for their children.

In this case, even the best products may be "cheated".

3. Make full use of the cash value of annuity insurance. Like a house, the liquidity of insurance products is generally not particularly good, but the cash value of annuity insurance products is generally higher than that of critical illness insurance. At this point, the insurance funds are mobilized by using the cash value.

At present, the cash value of many annuity insurances is relatively high. If you happen to catch up with good wealth management products or opportunities, you can invest through policy loans. As long as the investment income can cover the policy income, you can realize two kinds of income of a fund and maximize the capital income.

Dandan once disliked this kind of domestic commercial annuity insurance very much. The so-called return type, dividend type, savings type, universal type, two-way insurance and investment-linked insurance are because:

1. Personal experience: Dandan's father was tricked by an insurance salesman of a bank into buying a bunch of products, including endowment assurance and Universal Insurance, and paid 10 years. Now he can only get the principal of 1/2 (including the so-called dividend! The amount of guarantee liability for this money is very low. As an investment, I lost money, so I am not ashamed to say that I have a dividend! ) This is a history of blood and tears of a Chinese insurance product, which lasted 10 for 20 years. As a result, when 10 surrendered, even the principal could not be recovered. Such insurance products are disgusting!

2. Before the egg, the boss said: The essence of insurance is to protect against major risks. The insurance that returns savings is not real insurance, and there is no guarantee responsibility. As a financial management, the income is low and the liquidity is very poor! Very discouraged recommendation. We only recommend health insurance such as critical illness insurance, medical insurance, accident insurance and life insurance.

3. Eggs do not need to be forcibly deposited. Dandan thinks he should send it to his future self with his own money, so the insurance company has a P, and my mother will save it for me.

4. The liquidity is extremely poor! This "savings of wealth management products" is not savings. When you use money, you can't withdraw it at any time. If you voluntarily surrender, the cost of principal loss is very high! When you meet annuity insurance, pension, education fund, etc. Endowment assurance, investment-linked insurance, universal insurance, ask the salesman for the cash value table first! What is the "cash value of surrender" in the first five years or 10 years? In what year can the "cash value" be recovered? Find a professional to calculate the compound interest in different years for you.

With the increase of egg age and the change of concept, such insurance products need to be configured.

It's not impossible to buy. It depends on what you bought. How to buy?

At present, the most reliable fixed-income annuity insurance in Chinese mainland market is around 3.5%, and a few products can reach 4.025% (there will be better product data comparison later).

A colleague of Dandan told me that he took out a China life annuity insurance in early 2000, and the guaranteed interest rate (predetermined interest rate) was 10%. As a product of a special era, this guy will be rich when he reaches the age of receiving an annuity. Although there were few rich people and probably not much investment in those years, a single spark can start a prairie fire, and the power of compound interest is exaggerated!

But in our time, this product with such a high guaranteed rate of return has long since disappeared, so don't look forward to it. In the era when Yu 'ebao's income was bursting, there were some bank insurance products with compound interest of 6-7% in the New Year, but they were all short-term products with a five-year period, which could not realize long-term and sustainable compound interest income and pension planning.

Long-term life-long savings dividends/annuities have pension value.

Hongkong vs Chinese mainland.

In order to achieve long-term and sustained high income+death insurance+wealth inheritance.

Look at the international insurance companies with a history of 100 years, and compare their similar insurance products with those in China.

Domestic and Hong Kong products are all from 1 year old, with an annual deposit of 1, 0 1.2 million, which is paid for 5 years and 5.06 million every 5 years for life:

Note: For these two products, starting from a certain year, the insured can choose to receive a part of the money every year (the two kinds of all risks are called education money, survival money or birthday money, which are of the same nature, that is, to return a part in batches to improve their lives), or they can choose not to receive it and keep rolling.

To put it simply, if we don't withdraw money halfway, if we save 5.06 million yuan for our children five years later, by the time the children are 65 years old.

The cash value of Hong Kong Juan X's surrender: 299 million (59 times) to realize the great mission of future billionaires.

The cash value of surrender in Xi 'an, Chinese mainland: 41140,000 yuan (an increase of 8 times) to realize the multi-millionaire of later generations.

Why is the yield much worse?

1. Even if the IRR of compound interest is 1 percentage point, the scale of income in the later period varies greatly, and the long-term compound interest of Hong Kong products can reach more than 6%.

2. Investment channels. There are limited channels for insurance funds in the mainland, and only low-yield bonds, central bank bills, bank deposits and a small number of high-risk stocks get investment income. After 100 years of development, the insurance industry in Hong Kong has become the gathering place of the world's insurance giants. The business philosophy and management level are also among the top in the world. In addition, Hong Kong does not have the advantage of foreign exchange control, so it can invest in all kinds of currencies in the world, and its channels are global, so it can naturally get higher returns.

For example, during the three years from 20 15 to 20 18, the American stock market rose sharply every year. At present, 60% of the premium of this insurance plan in Hong Kong is invested in the US stock market, so it has gained rich income during this period, while the other 40% of the premium is invested in the fixed income market (US Treasury bonds and high-rated corporate bonds).

Insurance policies in Hong Kong can be US dollar assets.

Inflation should be controlled within 3% after the US financial crisis.

Friends who know the economy and finance know that the reason why the Fed has been raising interest rates and shrinking its balance sheet before is to prevent the inflation risk brought by QE quantitative easing. Generally, the annual inflation rate of 3% is unacceptable to the United States, so the anti-inflation ability of the US dollar will be better than that of the RMB. It's hard to say what the inflation rate of RMB (excluding house price statistics) is, so I won't say it. Everyone has a different view, and everyone has his own experience.

Hong Kong insurance has another advantage: the insured can change it once or several times, which means that the money is a seed of family wealth. As long as foreign insurance companies don't go bankrupt, they can roll for two or even four generations, and their wealth will be passed on.

Annuity insurance is not a lie. The reason for this misunderstanding is that many people do not have a clear and accurate understanding of annuity insurance, and some unprofessional people mislead, leading to greater hope and disappointment.

Annuity insurance is not suitable for everyone. Before buying, you need to know whether it is suitable for you and whether it should be configured.

1. Are you really ready to configure annuity insurance? Ask yourself a few questions before buying:

If you can confidently give a positive answer to the above two questions, then you should also consider whether you are ready to take his risks.

2, annuity insurance is difficult to pay off in the short term. Annuity insurance is actually a wealth management product in an insurance coat. The insurance company invests our premium. Moreover, there is no way to get short-term returns on most investments.

Therefore, annuity insurance is a long-term planning process. Only after years of compound interest accumulation will we gradually see the benefits, which may be 20, 30 or 50 years. ...

3. If you want to take annuity insurance, you can go to CIRC document 20 17 134.

In other words, usually in the first five years, we can't get the money in the annuity insurance, and then there is a certain limit every year.

If, due to unexpected events, money is urgently needed, and withdrawing money in advance is equivalent to surrendering insurance in advance, then the policy will suffer a big loss.

The interest rate of annuity insurance is not so high. Most of the interest rates of annuity insurance we see in the publicity materials are estimated, not the actual rate of return.

Generally, the rate of return we see is composed of a predetermined interest rate and an uncertain dividend.

The predetermined interest rate is the rate of return promised by the insurance company, which is generally not higher than 4.025%.

However, uncertain dividends are closely related to the return on investment. In a bad market environment, it is very likely that the policy dividend will be zero.

The annuity insurance written in the end is very complicated, and it will be difficult for people who lack financial knowledge to understand it. In order to avoid choosing an annuity insurance that is not suitable for you, you should consult a professional agent or do more research yourself, so as to choose an annuity insurance that does not deceive people.