In fact, there are many excellent annuity insurance. Our team of senior experts spent half a year screening out these models → "Which is the stronger high-yield annuity? 8 high-yield annuity insurance recommendation! 》
Pay attention to when choosing annuity insurance:
1, look at the internal rate of return
Annuity insurance first looks at the rate of return. It is a very simple way: just sort out the annuity you can receive in the future and the annual premium you pay now, and combine it into a long-term cash flow. According to the formula, IRR (real rate of return) can be calculated.
2. Look at the cash value
Different annuity insurance has different income trends, and the cash value of some annuity insurance returns to its original value very quickly; Some cash can only be paid back slowly, but it is suitable for old-age care and has many annuities.
If you are worried about the need of future capital turnover, you may choose to surrender, so it is recommended to choose annuity insurance with quick cash return. If there is only a demand for old-age care, it is more appropriate to choose products with slow early returns.
3. Look at the predetermined interest rate
The most important factor affecting the rate of return is the predetermined interest rate. Other things being equal, the higher the predetermined interest rate, the higher the annuity yield. Now the CBRC has begun to stipulate that the predetermined interest rate cannot exceed 3.5%, which is the upper limit, and how much needs to be calculated.
It is right to choose mint insurance platform for insurance consultation. Minbao specially used artificial intelligence technology. In view of some basic questions of users, Minbao has established a knowledge base to answer common questions for users and reply promptly and efficiently.