So now many insurance companies have put some education annuity insurance on the shelves, which has stable income and low risk and has become the first choice for parents.
Long Jun's Future Star Education Annuity Insurance is very popular on the Internet. I heard that the cost performance is very high. Many friends are asking, is the cost performance of Future Star Education Annuity Insurance really that high? Is it really worth buying?
Before analyzing the future star education annuity insurance, Senior Sister arranged several types of education annuity insurance. Interested friends can have a look and make a reference:
"The latest! The eight education funds with the highest rate of return in 2022 have been selected ~ "
First, the future star education annuity insurance content analysis
The protection content of Future Star Education Annuity Insurance is relatively simple, which can be roughly divided into two parts: personal protection and annuity, as shown in the following figure:
Combined with the terms, I will mainly show you the advantages and disadvantages of the future star education annuity insurance.
1, flexible payment method
Future Star Education Annuity insurance payment methods include not only wholesale payment, but also three-year payment, five-year payment and 10-year payment.
This product itself does not provide protection for consumers over the age of 28, so from this protection period, the payment method of the product is more flexible, and the insured can first look at their own economic situation and choose the payment period that suits them best.
For example, some freelancers, whose income fluctuates greatly, may wish to choose short-term payment such as wholesale payment or three-year payment to avoid huge losses caused by late supply interruption.
If an ordinary white-collar worker has a relatively stable job and a relatively stable source of economic income, it is best to choose a longer payment period, such as 10 year, so that the insured will not have such great economic pressure and will not have any impact on normal life.
If you don't know how to choose the payment period that suits you, you can refer to the following article:
"How to choose the payment period so as not to lose money? 》
2. The guarantee content is slightly thin.
The coverage of the future star education annuity insurance is very simple, only the death protection. After all, its main function is financial management, and its coverage is certainly not as comprehensive as that of critical illness insurance and medical insurance.
However, compared with other products, we will find that in the same type of products, there are basically two kinds of protection: death and total disability, while the future star education annuity insurance only has death protection, so there are still some gaps.
Two. Calculation of Internal Rate of Return of Future Star Education Annuity Insurance
Everyone knows that the Future Star Education Annuity Insurance is a guarantee that focuses on financial management. We might as well focus on calculating the internal rate of return of products.
If Mr. Jun starts the Future Star Education Annuity Insurance for his 0-year-old son Xiaolong, the insurance period is the first anniversary of the policy after reaching the age of 28, and the annual insurance premium is 65,438+000,000 yuan, with the basic insurance amount of 543 yuan, 600 yuan.
Upon expiration of the guarantee period, the internal rate of return of Future Star Education Annuity Insurance is shown in the following figure:
It can be seen that when the insurance coverage of Future Star Education Annuity expires, the product has reached the internal rate of return of 3. 13%, which is very good. In the same type of products, this rate of return has always ranked first.
To sum up, the future star education annuity insurance is still very cost-effective. Although the coverage does not include total disability coverage, it is fortunate that the payment period is quite flexible and the internal rate of return is particularly high, which is undoubtedly particularly friendly to those who pursue high rates of return.
If you have any other questions about this product, or want to know more about this product, you can click the following link to view the evaluation article:
How about Long Jun Future Star Education Annuity Insurance? These points have to be prevented! 》
Finally, if you have other insurance questions, or don't know about children's education annuity insurance, then come backstage and have a private chat with your senior sister, who will try her best to answer your questions.
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