If you don't know AIA, you can look at this information prepared by senior sister:
How about AIA? Is its product worth buying? Although AIA's wealth management products are reliable, we should also pay attention to the following aspects when configuring wealth management products:
1. Know your needs and risk preferences. Before buying wealth management products, you should do a good job in risk assessment, including your own risk assessment, such as clearly understanding your family's economic situation, income composition, financial management goals, etc. And then make a risk assessment of the product.
Senior sister also prepared a wave of benefits for everyone to help them buy the right financial insurance: super full! Everything you want to know about insurance is here. 2. Calculate the income in advance, and after defining the goal, you can calculate the income for your favorite wealth management products. For financial insurance such as annuity insurance, we can usually calculate IRR. In general, the higher the IRR value, the better the product income, which means it is worth buying.
Don't surrender easily.
Financial insurance is a product suitable for medium and long-term investment. If the insurance contract does not expire, the insurance company will only return it according to the cash value of the policy if the hesitation period has passed, and there will be some losses more or less. Therefore, senior sister suggested not to surrender easily. If you want to know more about surrender, you can read this article again if you are interested: How to refund "insurance surrender", how much to refund, and how to reduce surrender losses? Hope to adopt
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