So how does this product perform? Let's take a look at the evaluation.
However, the annuity insurance is more complicated, and it is easy for Xiaobai, who doesn't know how to do it, to into the pit. For this reason, I have prepared an annuity insurance pit avoidance guide in advance, hoping to help you:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. Do you really understand these defects of Evergrande Gold Champion Annuity Insurance?
As usual, let's take a look at the forms of Evergrande Golden Champion Annuity Insurance:
Obviously, it can be seen that Evergrande Golden Champion is an annuity insurance product specially designed for children, and the guarantee content is not well designed and the slots are full.
Disadvantage 1: the insurance conditions are harsh.
The age range of Evergrande Golden Champion Annuity Insurance is 0- 10, which means that children over 10 will not be protected. Compared with the coverage of other annuity insurance, the gold medal champion annuity insurance of Evergrande seems to be a bit strict, and the insurance threshold is very high.
Moreover, Evergrande Golden Champion Annuity Insurance has a short guarantee period, which can only be guaranteed until the age of 30. To put it simply, Evergrande Golden Champion Annuity Insurance can only make short-term investment, and is not suitable for long-term investment. Therefore, parents who want to make long-term investments for their children should not start with Evergrande Golden Champion Annuity Insurance.
However, there are still many annuity insurances with relatively loose insurance conditions on the market. Friends who have insurance plans can collect them:
Disadvantage 2: slow income growth
In many cases, most annuity insurance products only begin to gain income in the fifth year, but Evergrande Golden Champion annuity insurance is hidden and cautious. Only when the insured 10 starts to apply for insurance, there is a time interval of four years, that is, until 15 years old, they are eligible to receive benefits. It's really unkind to insure Evergrande gold medal champion annuity insurance for children aged 0, which means that there will be no income before 15!
The above is just the tip of the iceberg of Evergrande Golden Champion Annuity Insurance. If you want to see a more comprehensive evaluation, you can refer to the following article:
"With regard to this income of Evergrande's' Golden Crown' annuity, you can't make money if you buy it! 》
2. What is the yield of Evergrande Gold Champion Annuity Insurance?
After understanding the basic situation of Evergrande Golden Champion Annuity Insurance, the second thing to say is to calculate the income of Evergrande Golden Champion Annuity Insurance.
Take a 0-year-old baby as an example. She bought an insurance with a coverage of 6,543,800 yuan, and paid an annual premium of 26,535 yuan, which was paid in 654.38+ 00 years. The specific benefits are as follows:
& gt& gt High School Education Fund: During the period of 15- 17, you can receive 30,000 yuan each year, totaling 90,000 yuan.
& gt& gt University Education Grant: During the period of 18-2 1 year, you can receive 50,000 yuan each year, totaling 200,000 yuan.
& gt& gt Venture Capital: At the age of 25, you can get a one-time venture capital of 65,438+10,000 yuan.
& gt& gt Expiration insurance: At the age of 30, you can get an expiration insurance of 654.38+ 10,000 yuan.
Summary: The total premium is 265,350 yuan, the accumulated premium is 490,000 yuan, and the net profit is 224,650 yuan.
Senior sister calculated the internal rate of return of Evergrande Golden Champion Annuity Insurance, and found that its irr was 3.6%, and the rate of return was relatively average. Compared with 4% products, Evergrande Golden Champion Annuity Insurance is not competitive.
To sum up, the income of Evergrande Golden Champion Annuity Insurance is not very impressive. Senior sister suggests that you compare with other annuity insurance products on the market before buying, and then choose a suitable one.
For example, the following are all annuity insurance products with good returns. People with insurance plans can get:
"Top Ten Financial Insurance Rankings ▏ Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
Write it at the end
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