Let's take a closer look.
1. Alipay to save money who can insure? First of all, let's take a look at Alipay's insurance rules for saving money:
Insurance age:? 18-60 years old
Warranty period:? 13-30 years
The warranty period is 13-30 years, and the warranty period is optional.
Payment method: monthly payment
Payment period: 5/ 10/ 15/20 years.
It should be noted that the insurance rules of this product in different insurance channels may be different, depending on the insurance channel.
Alipay's annuity insurance is flexible, and the payment period and guarantee period can be flexibly selected. The minimum investment is 100 yuan. You can apply for additional premium at any time in the future.
Next, let's take a look at how Alipay collects annuities.
Second, when it comes to saving money, how much can Alipay receive every year? Alipay deposit annuity insurance collection method is divided into two stages:
Survival insurance: 20% of the premium paid will be charged every year on the last three policy anniversaries before the expiration of the contract.
Maturity insurance: when the insurance expires, the basic insurance amount will be paid in one lump sum as maturity insurance.
For example, if 25-year-old Ms. A bought an Alipay and saved money to buy annuity insurance.
The monthly investment for five consecutive years is 1 0,000 yuan, with a total investment of 60,000 yuan, which will cover 13 years, and the corresponding insurance coverage is 448 10 yuan.
The annuity collection process is as follows:
Step 1: Enter
At the age of 25-30, Ms. A needs to invest 1 000 yuan into the annuity account every month, totaling 60,000 yuan;
Step 2: Collect
Survival insurance: 35-37 years old, get 12000 every year (20% of the premium paid);
Maturity insurance premium: 38 years old, receiving basic insurance premium 448 10 yuan in one lump sum;
Ms. A can receive 808 10 yuan in total. If he dies unfortunately during this period, he shall pay the premium paid or the cash value, whichever is the greater.
Let's take a look at Alipay's rate of return on saving money.
3. What is the yield of Alipay's deposit? Alipay can get a certain amount of money from the savings annuity insurance. Let's look at the actual rate of return of savings annuity insurance.
Take the above case as an example: If the monthly investment is 1 000 yuan for five consecutive years, calculate the return rates of 13, 15, 20, 25 and 30 years respectively.
Details are as follows:
Draw a direct conclusion:
As can be seen from the above table, the longer the guarantee period for Alipay to save money, the higher the annualized rate of return. The guarantee period is 20 years, and you can get an annuity 103550 yuan at maturity, with an annualized rate of return of 3.2%.
Generally speaking, the overall income of Alipay is not too high, but its guarantee is flexible. For those who have a little spare money and want to save money, its income is still good.
However, it should be noted that this money should be locked in the annuity account for more than 13 years. If you surrender in advance, you will only return the cash value, and there will be some losses.
More annuity insurance product evaluation, welcome to pay attention to deep blue insurance!