In this way, education annuity insurance has been supported by parents, but annuity insurance is the most invisible insurance in cheating!

Today, Senior Sister will share with you an example-Pacific Dongfanghong Young Intellectuals Annuity Insurance for your reference!

Let's take a look at the specific "pits" hidden in this product!

Although annuity insurance has the function of financial management, it does hide many traps. For this reason, Senior Sister has prepared a pit avoidance guide, so hurry to collect it:

Learn this trick and stay away from the 99% pit of annuity insurance.

1. What "pits" are hidden in the Pacific Dongfanghong Youth Wisdom Annuity Insurance?

As usual, first turn to the product protection chart:

1, single payment cycle

Regarding the Dongfanghong Young Intellectuals Annuity Insurance, its payment period is only years, and there is no wholesale payment.

All premiums are paid in one lump sum, which is called wholesale payment.

Compared with annual payment, wholesale payment is more suitable for people with high income but unstable income.

Because the total premium to be paid will be more cost-effective than the annual payment, just like our house and mortgage loan are paid in one lump sum.

If there are two payment years to choose from: wholesale payment and annual payment, and there are many choices, then the insured can make a choice according to his own situation, which is good for him.

Dongfanghong children's intellectual annuity insurance has some shortcomings in this respect.

2. Cannot attach universal account.

What is a universal account?

If you don't want to withdraw the annuity, you can put it in this account for compound interest and appreciation.

It is undoubtedly very beneficial to the insured, which is equivalent to an additional way of benefiting!

The Dongfanghong Youth Wisdom Annuity Insurance cannot attach a universal account, so the insured can only make profits through the annual annuity, and the way to make profits is very simple.

3. Uncertainty of dividend

Compared with other products, the biggest feature of Pacific Dongfanghong Youth Wisdom Annuity Insurance is the policy bonus, which is why most parents will want to know.

It should be noted that dividends are linked to the actual operating conditions of insurance companies. If the insurance company's operating conditions were not very good, it is very likely that it would not pay dividends at all.

Furthermore, consumers have no right to ask about the actual operating profits of insurance companies.

Senior also compiled the terms of the Dongfanghong juvenile wisdom annuity insurance, written clearly in black and white:

In other words, dividends are uncertain at first, and may or may not exist;

Then, if there is a dividend, consumers will be given a dividend notice, and consumers will know the details of the dividend after receiving the notice.

Therefore, if you want to get high profits from dividends, you can only say that you are too simple. I advise you to give up as soon as possible ~

The following is a concrete analysis of dividend insurance. Here is a more detailed article that interested friends can read:

Unveil the mystery of dividend insurance

2. What is the income of Pacific Dongfanghong Youth Wisdom Annuity Insurance?

The 30-year-old Lao Wang insured his 0-year-old child Beckham with the Pacific Dongfanghong Youth Wisdom Annuity Insurance, and chose to pay it for 5 years, with an annual premium of 100000 yuan. At the age of 60, he received a birthday bonus. Let's take a look at its income:

Bonus: From the age of 0 to his death, Beckham can receive 9% of the basic insurance amount every year, that is, 53 10.9 yuan. Children's education savings: When Beckham is 0- 18 years old, he can receive 9% of the basic insurance amount as his children's education savings every year, that is, 53 10.9 yuan. Birthday money: Beckham can receive a one-time premium of 500,000 yuan for his 60th birthday. Just look at these, we have done very well. There are many ways to receive an annuity, which can be received from the date when the contract takes effect, but the actual situation is somewhat different:

When Beckham 18 years old, the accumulated annuity was 202,000, less than half of the premium paid.

In the adult stage, children need to receive higher education in the future, which will definitely cost a lot of money.

I am insured with the Dongfanghong Young Intellectuals Annuity Insurance, and I have no income at this stage, which is really unreasonable!

Moreover, when Beckham was 55 years old, the total annuity he received was 297,000+10. 1 10,000 = 398,000, which has not been paid back yet!

The money has been invested, and the child is ready to retire before he returns. Seeing this speed of returning to Beijing is really a pinch!

Excellent annuity insurance in the market can be repaid within 10 years of the policy.

In contrast, Dongfanghong Youth Wisdom Annuity Insurance really has no advantage!

I want to insure my children, and my senior advises parents to be cautious!

Third, the summary of the senior sister

On the whole, Dongfanghong Youth Wisdom Annuity Insurance not only has many shortcomings, but even the income is disappointing!

Therefore, for friends who want to buy this kind of annuity insurance, they should be cautious!

It is not that there is no good annuity insurance in the market, but there are still many excellent products. The seniors have arranged here. Interested friends may wish to have a look:

Top ten high-yield annuity insurance rankings! 》

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.

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