After all, annuity insurance is also a complex insurance, which can be used not only for security, but also for financial management. If you want to know whether the annual annuity insurance value of Beijing Jingfuyi is worth buying, we have to make a concrete analysis.
Before installing annuity insurance, friends must first understand the precautions to avoid stepping into the pit of annuity insurance:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. What are the advantages and disadvantages of Beijing Jingfuyi Annuity Insurance?
As usual, let's take a look at the forms of Beijing Jingfuyi Annual Annuity Insurance:
It can be clearly seen from the figure that Beijing Jingfu one-year annuity insurance covers a large area.
Let's take a look at the advantages of this annuity insurance:
1, facing a wide range of people
Beijing Fuyi Annual Annuity Insurance of Beijing Life Insurance is arranged in the age range from 28 days of birth to 65 years old, so everyone from children to young people, middle-aged people and even the elderly will have the opportunity to apply.
2, can guarantee life.
The guarantee function of most annuity insurance products in the market is limited by time, while the annual annuity insurance in Fuyi can guarantee life. From the perspective of guarantee time alone, the advantages of Beijing-Fuyi annual annuity insurance are still considerable.
3, can guarantee to receive 20 years.
This product can be guaranteed for 20 years, even if we die unfortunately during the collection period, then the rest of the annuity can be collected by the insured's family, which is really excellent!
4. The starting threshold is low.
Beijing Life's Jingfuyi Annuity Insurance is much lower than those products with initial investment of 1 10,000 yuan, and the threshold is only 65,438+0,000 yuan, so that most people who want to manage money can apply directly!
I know what it does well, but everyone rushed to buy it without seeing its advantages. We still have to calm down and strike while the iron is hot and see what its disadvantages are:
1. There is no universal account.
If you are a friend who wants to buy an annuity insurance as a pension or education fund for children, the annual annuity insurance in Fuyi is not very satisfactory to you, because it does not provide a universal account.
A good advantage of universal account is the guaranteed interest rate, which can obtain relatively stable income. In fact, the general annuity insurance income is not fixed. If you buy an annuity, you may not be able to make money completely, but with a universal account, we have a stable income anyway.
Maybe when it comes to universal accounts, you don't understand. I suggest you browse this article:
"Using universal insurance to manage money, the income is stable and safe? Universal insurance from the beginning! 》
2. Additional insurance is not supported.
Beijing Life Jingfu one-year pension annuity insurance, which agreed to reduce the insured amount and policy loan, originally wanted to be praised by the senior sister, but found that it did not accept the additional insured amount.
If the insured's initial budget is insufficient, the initial investment will be less. When the economy improves in the future, the insurance coverage will be increased and the security will be strengthened. However, if this product does not support insurance, it will not be able to achieve the purpose of increasing protection, and its financial flexibility will be much worse.
3. There is no death guarantee beyond the guaranteed collection time.
It is also a pity that after the guaranteed collection time, Beijing Fuyi Annual Pension Insurance of Beijing Life Insurance will have no death protection. If the insured dies 20 years after receiving the guarantee, no compensation will be paid. I feel that the premiums in recent years are simply not worth it.
Second, is Beijing Jingfu one-year annuity insurance good?
Senior students calculated the annual annuity insurance of Beijing Life Insurance and Beijing Fuyi, and the income was only moderate. The following table is very clear:
If you insure 20,000 yuan and pay the fee in five years, statistics show that it is 65,438+10,000 yuan, and the cash value in the early stage is not high. The cash value of the insured at the age of 60 is 240,000, and it is not less than zero after the age of 60.
Until the age of 66, the pension insurance premium is 109480 yuan after calculating the accumulated pension, and the premium paid is not as high as it. I really paid it back at this time.
Comprehensive analysis shows that the coverage of Beijing Jingfuyi Annuity Insurance is still excellent, and the income is not much different from the income level of products on the market. If you want to have a stable income annuity insurance, then this product can still be considered for insurance. However, if you want to buy high-yield annuity insurance products, senior sister suggests you look at other products more.
There are still many products with gratifying returns on the market. Let's take a look at these products summarized by senior sister, so that you can find the products that suit you:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!