Today, Senior Sister will take a look at the national seal annuity insurance with everyone to see if it is really so excellent. Click the link below to learn the true face of the national seal annuity insurance:
"Taiping Life Insurance" National Seal World Annuity Insurance "is on sale, and this income has to be said ..."
I. Analysis of the contents of Taiping Life Insurance's National Seal Annuity Insurance
The protection content of the national seal annuity insurance is extremely simple, only the death protection, and the rest are returned annuities. See the protection map for details:
Let's analyze the contents of the national seal annuity insurance item by item.
1, insurance age
People who meet the following conditions can apply for national seal annuity insurance: 28 days after birth to 70 years old. Compared with other products, the former has a wider age range and covers a wider population.
However, people who buy whole life insurance are basically breadwinners in their thirties and forties, so as long as the insurance age in whole life insurance can cover middle-aged people, there is basically no problem.
2. Term of payment
Because the guarantee period of national seal annuity insurance is not long, its payment period is not very flexible, but it is only 3/5 years, which is very inconsiderate for friends with great economic pressure.
Just like actors and tour guides, their periodic income is very obvious, so it is more appropriate to choose short-term payment, but for ordinary office workers, they may not have that much money, and paying in 3/5 years will be very stressful.
If you don't know what kind of payment period you are suitable for, please refer to the previous analysis of your seniors as soon as possible, which may help you save a lot of premiums:
"How to choose the payment period so as not to lose money? 》
3. Guarantee content
The protection content of the national seal annuity insurance is particularly simple, including only death protection. At first glance, what's the problem? But in fact, this is not the case, and the protection content of national annuity insurance lacks total disability protection.
Looking at the whole market, the coverage of many annuity insurance is "death/total disability". If the insured is unfortunately disabled due to an accident, he can also claim compensation from the insurance company. However, the national seal annuity insurance lacks total disability protection, and there is still much room for improvement.
From the content analysis, it can be seen that as an annuity insurance, the national seal world enjoys annuity insurance, and its cost performance is poor. Although the insurance threshold is not very high, even the total disability protection is not covered.
Is the annuity insurance under the national seal worth starting with? In fact, it mainly depends on its rate of return. If its rate of return is relatively rich, then almost all other defects can be ignored.
Two. Calculation of yield of Taiping Life Insurance National Seal Annuity Insurance
For example, the 30-year-old Lao Wang is insured by the National Seal World Annuity Insurance, with a cumulative payment of 3 years and an annual premium of 654.38+10,000 yuan. After 8 years, the internal rate of return of Guoxi World Annuity Insurance is as follows:
As can be seen from the figure, the final rate of return of National Seal World Annuity Insurance is only 2. 1%, which is not very high. Compared with these products, the national seal tianxia annuity insurance has a difference of 1.4 percentage points, which is very large.
On the whole, the national seal annuity insurance is not worth buying because of its low cost performance and lack of protection.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister arranged a lot of value-for-money and solid annuity insurance. You can choose the best one here:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
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