Before buying annuity insurance, you must know what minefields there are in annuity insurance:
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1. What is the protection of Xinfulinmen Annuity Insurance?
If you are too lazy to read the terms, you can look at the essence of this new Fulinmen annuity insurance:
1. New Fulinmen Annuity Insurance Rules
According to the above figure, we can clearly see that the insured age of Xinfulinmen annuity insurance is from 28 days of birth to 60 years old, and people aged 0-70 can insure many annuities, so Xinfulinmen products have strict restrictions on the insured age.
Xinfulinmen Annuity Insurance is a product with quick return and short guarantee. Under normal circumstances, you can get a refund in five years at the earliest. The guarantee period is 15 years, and the payment period is 10 years. Both monthly payment and annual payment are acceptable. The guarantee period and payment period of this product are personal choices, because the fixed time period makes it impossible for customers to choose flexibly.
2. The coverage of Xinfulinmen Annuity Insurance
Xinfulinmen's insurance policy is very detailed and easy to understand. There are annuity protection, death protection and universal account income. At the critical moment when funds are tight, policy loans can play an important role.
(1) Annuity guarantee
The fifth year of the policy is the time when the new Fulinmen annuity insurance can receive the annuity. From the fifth year to the ninth year, you can get 100% premium every year, from the tenth year to the fourteenth year, you can get 50% premium every year, and the fifteenth year will expire when you can get 100% insurance coverage.
(2) Death protection
The death protection of new Fulinmen annuity insurance is not very beneficial to customers. If the insured dies, the premium will be paid to the customer. Most of the annuity insurance is the premium paid or the cash value, which is larger, and the customer's sense of identity is higher.
(3) General account
There are four kinds of universal accounts for Xinfulinmen to choose from, such as New Zunbao Celebration Edition or Universal Account, New Yuanbao and New Zunbao (Lexin Edition). There are still many choices for the insured, and the guaranteed income of any universal account is at the level of 2.5%. In this case, the insured's money can be increased again.
Everyone is excited about the second appreciation of the universal insurance account, but if you want to insure universal insurance, you must understand the advantages and disadvantages of universal insurance on the basis of universal insurance:
Universal insurance financing, stable and safe income? Universal insurance from the beginning!
2. What is the income of Xinfulinmen Annuity Insurance?
1, annuity income
Please look at the annuity return of Xinfulinmen first. It can be fixed and the specific amount of protection can be calculated.
For example, Mr. Li bought this new Fulinmen annuity insurance product when he was 30 years old. If the universal account is not attached, the annual insurance premium is 65,438+10,000 yuan, 10/10,000 yuan, and the insured amount is 3,550 1 0 yuan.
At the age of 35, Mr. Li receives 100% of the premium on time every year, that is, 654.38+10,000 yuan. 39 years old, * * * got 500 thousand. At the age of 40, although Mr. Li Can only receives 50% of the premium every year, he still has 50,000 yuan every year. In this way, when he is 44 years old, he can get 250 thousand yuan. Generally speaking, if the insured receives 100% of the insured amount at the expiration of the term, then at the age of 45, there will be 335550 10 yuan, and105010 yuan is the final total amount that can be received.
The annuity received is more than the principal 1050 10, and the internal rate of return is 1.62%, which is generally small.
2. Death insurance
This new Fulinmen annuity insurance can only get the paid premium when it dies, but the cash value of this insurance will increase later, and after inflation, the insured can only get the premium that has been paid to the insurance company before, in which case the insured will suffer losses. The cash value of Xinfulinmen Annuity Insurance in the last year can reach 35500 10/0 yuan, and the premium can only reach 1/3. If the customer dies, the premium will also depreciate. The premium you can enjoy is only 6.5438+0 million.
3. General account income
Because the income of universal account is not clear, we can't calculate the income, so universal account can only predict the income according to the current settlement interest rate.
This new Fulinmen annuity insurance product provides a guaranteed interest rate of 2.5%. However, according to the data of China Life Insurance, from September 2020 to June 20021year, the settlement interest rate of Xinzunbao has reached 5% for five consecutive months, which is a certain decline compared with the previous 5.3%, and the income is not optimistic.
Generally speaking, the main insurance income efficiency of China Life Xinfulinmen Annuity Insurance is not good. In the early stage, everyone basically had no income. On the whole, the settlement interest rate of universal account showed a downward trend. In this case, the settlement interest rate of 5.3% has been difficult to obtain. It is recommended that friends who want to insure choose carefully before insurance, so as to buy excellent products.
For this reason, the senior school sister has compiled some annuity insurance products with high cost performance and considerable income. You can refer to them:
Don't miss these high-yield annuity insurance when passing by!
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