Most parents make preparations in advance, and wait until the baby is born to make various plans for them.
It is precisely because of this that education annuity insurance can be loved by parents, but this kind of insurance, annuity insurance, has fallen into the pit and you don't know it!
Today, Senior Sister takes the product of Pacific Dongfanghong Juvenile Wisdom Annuity Insurance as an example to give you an explanation!
let's take a look at the specific "pits" of this product!
For annuity insurance, as a kind of insurance with financial management function, there are indeed many "pits" in it, and my senior sister has compiled a lightning protection manual for this, but she has not collected it:
< a href="/redirect? location=aHRcHM6Ly9iYW94aWFuLjAwYnguY29tLz9naWQ9MzINDEy& title=JUUzJTgwJThBJUU5JTk4JUIyJUU1JTlEJTkxJUU2JThDJTg3JUU1JThEJTk3JUVGJUJDJTlBJUU1JUFEJUE2JUUJUJDJTlBJUU4JUJGJTk5JUU2JThCJTlCJUU5JTgxJUJGJUU1JUJDJTgwJ UU1JUI5JUIJUU5JTg3JTkxJUU5JTk5JUE5OTklMjUlRTclOUElODQlRTklOUIlQjclRTclODIlQjklRTMlODAlOEI=& userId=28938419& passId=4171265761& planId=63381& unitId=868246& IdeaId=2184438" title= "Guide to pit prevention: Learn this trick to avoid 99% lightning spots in annuity insurance" "target="_blank"> "pit prevention guide: learn this trick to avoid 99% of the lightning spots of annuity insurance"
1. What "pits" are hidden in the Pacific Dongfanghong Youth Intellectual Pension Insurance?
Let's take a look at the protection map of this product compiled by Senior Sister:
1. The payment period is single
The payment period of Dongfanghong Juvenile Wisdom Annuity Insurance is only annual, and there is no payment.
in simple terms, wholesale payment means that all insurance fees are paid in one lump sum.
compared with annual exchange, wholesale exchange is more suitable for people with high income but large income fluctuation.
in fact, the total premium to be paid will be more favorable than the annual payment, just like the principle of one-time payment and mortgage loan when we buy a house.
If two payment periods, wholesale payment and annual payment, are provided, then the insured can choose according to his own situation, which is very good for the insured.
dongfanghong juvenile intellectual annuity insurance needs to be strengthened in this respect.
2. You cannot attach a universal account
What is a universal account?
If you don't want to take the annuity, you can put it directly into this account for compound interest and appreciation.
moreover, the guaranteed interest rate of universal accounts is basically around 3%, and even better, it can be as high as 4%.
For the insured, the advantages really outweigh the disadvantages, which is equivalent to an extra way to benefit!
However, there is no universal account in Dongfanghong Juvenile Wisdom Annuity Insurance. In this case, the insured has no other way to make profits except the annual annuity, and the method of making profits is too simple.
3. Uncertainty of dividend
The outstanding feature of Pacific Dongfanghong Juvenile Wisdom Annuity Insurance is that it has a policy dividend, and many parents have bought it because of this.
However, the dividend should be compared with the actual operating conditions of the insurance company. If the insurance company does not operate well, the chances of distributing the dividend face to face are slim.
furthermore, as consumers, the actual operating profits of insurance companies have no right to ask.
Senior Sister has also sorted out the terms of Dongfanghong Juvenile Intellectual Annuity Insurance, which is really clear:
That is to say, the dividend is not very certain, and there is or is not;
Moreover, if there is a dividend, the consumer will only know the detailed situation when he receives the notice of claim again.
To sum up, it is unrealistic to plan to make a lot of money by paying dividends, so let's think of other ways ~
You can find the answer to the relevant contents of dividend insurance in the following, and friends who want to know can go and have a look:
< a href="/redirect? location=aHRcHM6Ly9iYW94aWFuLjAwYnguY29tLz9naWQ9MzI5ODY4& title=JUUzJTgwJThBJUUJUI4JUJBJUUJUJCJTgwJUUJUI5JTg4JUU1JTg4JTg2JUU3JUJBJUEyJUU5JTk5JUE5JUU2JThBJTk1JUU4JUFGJTg5JUU5JTgyJUEzJUUJUI5JTg4JUU5JUFCJTk4J UVGJUJDJTlGJUU2JThGJUFEJUU3JUE3JTk4JUU1JTg4JTg2JUU3JUJBJUEyJUU5JTk5JUE5JUU3JTlBJTgJUU3JUE1JTlFJUU3JUE3JTk4JUU5JTlEJUEyJUU3JUJBJUIxJUUzJTgwJThC& userId=28938419& passId=4171265761& planId=63381& unitId=868246& IdeaId=2184438" title= ""Why is the complaint about dividend insurance so high? Reveal the Mystery of Dividend Insurance "target="_blank"> "Why is the complaint about dividend insurance so high? Unveiling the Mystery of Dividend Insurance
Second, what is the income of Pacific Dongfanghong Juvenile Intellectual Annuity Insurance?
When Lao Wang was 3 years old, he chose the Pacific Dongfanghong Youth Intellectual Pension Insurance to insure his -year-old son. He chose to pay an annual premium of 1, yuan for five years, and agreed to receive a birthday bonus at the age of 6 to see how it benefited.
Blessing bonus: During Beckham's -year-old death, she could receive a blessing bonus of 5,31.9 yuan each year, that is, 9% of the basic insurance premium.
Children's education savings fund: During Beckham's age from to 18, he can receive 9% of the basic insurance amount as children's education savings fund every year, that is, 531.9 yuan for his birthday.
When Beckham is 6 years old, he can receive the paid premium as a birthday bonus, that is, 5, yuan.
Just looking at it this way, I think it is quite excellent. There are many ways to receive annuities, and once the contract comes into effect, you can receive them, but this is not the case in practice:
When Beckham was 18 years old, he received an annuity of 11,+11, = 22,, and at this time he didn't even pay half of the premium!
Parents need to spend a lot of money to let their children receive higher education in adulthood.
I'm insured with Dongfanghong Juvenile Wisdom Annuity Insurance, and it's really unreasonable that there is no income at this time!
Moreover, the annuity of 297,+11, = 398, was collected by Beckham at the age of 55, and he has not received the capital yet!
It's a big loss. The money invested by the child after retirement hasn't been paid back yet, which is really too slow!
No matter in terms of income and return speed, the good annuity insurance on the market at present can take out all the money at once in the 1th year.
In this way, Dongfanghong Junior Intellectual Annuity Insurance has no advantage!
If you want to configure your child, Senior Sister advises parents to be cautious!
Third, the summary of senior sister
In the final analysis, Dongfanghong juvenile intellectual annuity insurance has many shortcomings, and even the income is not satisfactory!
Therefore, friends who are interested in taking out this annuity insurance should be cautious!
There are also many excellent annuity insurance products in the market. Senior Sister has summarized these products. If you have friends who want to buy these products, you can come and have a look:
< a href="/redirect? location=aHRcHM6Ly9iYW94aWFuLjAwYnguY29tLz9naWQ9MzIyODA3& title=JUUzJTgwJThBJUU2JTgzJUIzJUUJUI5JUIwJUU5JUFCJTk4JUU2JTkJUI2JUU3JTlCJThBJUU3JTkwJTg2JUU4JUIJUEyJUUJUJGJTlEJUU5JTk5JUE5JUVGJUJDJTlGJUU4JUJGJTk5M TAlRTYlQUMlQkUlRTUlODglQUIlRTUlODYlOEQlRTklOTQlOTklRTglQkYlODclRTQlQkElODYlRUYlQkMlODElRTMlODAlOEI=& userId=28938419& passId=4171265761& planId=63381& unitId=868246& IdeaId=2184438" title= "Want to buy high-yield financial insurance? Don't miss these 1 models again! 》" target="_blank"> Want to buy high-yield financial insurance? Don't miss these 1 models again!
written at the end
I am a schoolmaster who talks about insurance and focuses on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to WeChat official account Xueba and ask me about insurance.
I will give you the most professional advice based on years of experience in configuring insurance for 1W+ families.
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