For these reasons, education annuity insurance has become the new favorite of parents.

No, with the full support of MetLife, the annuity insurance (dividend type) named DuDu Insurance (A) was launched as an education annuity insurance.

It is said that in addition to the benefits of getting education money, it can also provide insurance money for starting a family and reducing the burden on children in the most important period of life!

Is it really that good? Learn the details of this product immediately and let everyone know!

Intimate seniors have also compiled a simplified version of the material, and friends who are in a hurry poke it:

"City Baby (a) Annuity insurance (dividend-sharing type) reveals real income! 》

First, Metropolis Baby (a) Analysis of the coverage of annuity insurance (dividend-sharing type)!

As usual, the product protection map bears the brunt:

The protection map tells us that there are only three payment methods for Metropolitan Baby (a) annuity insurance (dividend type):

Education insurance, marriage insurance, expiration insurance.

The term "expiration insurance" mentioned before means that you can get 500% of the basic insurance amount at one time when the guarantee expires. It's really great!

When considering the payment period, you can choose to pay in batches or 3/5 years, and the insured can choose flexibly according to their own economic situation ~

Oh, don't be too happy!

After careful reading and understanding by my senior sister, I found that this annuity insurance is not as good as people think! I'll break it down for you in detail ~

1. Cannot attach universal account.

You haven't heard of universal accounts, have you?

When you don't want to withdraw the annuity, you can put these annuities in this account to compound interest and increase the income. This kind of compound interest income is really friendly to the insured, which is equivalent to saying that this is another way of making profits!

Moreover, at present, the guaranteed interest rate of many annuity insurance universal accounts is around 3%, and even better, it can provide 4%!

Listen, do you find this attractive?

However, Metropolitan Baby (a) annuity insurance (dividend-paying) cannot take universal account as an additional item!

In this way, the insured is very passive at this time and can only get income by receiving annual annuity.

2. Uncertainty of dividend

Metropolitan Baby (a) The policy bonus (dividend type) of annuity insurance is its best selling point.

The original intention of most parents is because of this, {but the subway baby has an annuity insurance -7}

Senior sister will tell you about the dividend right away!

How do insurance companies pay dividends?

Dividends should refer to the actual operation of insurance companies.

Simply put, assuming that the insurance company can operate fairly this year, the insured can have dividends;

If the insurance company doesn't do well, I'm sorry, I can't get the bonus ~

What's more, insurance companies have no obligation to tell us how these consumers actually run the company.

Second, even if the dividend can be received in that year, consumers can only know how much money they can get if they receive the dividend notice.

To sum up, dividends are very unstable!

Intention can have a lot of income in this respect, which is very difficult. I advise you to wash and sleep ~

Dividend insurance still has many minefields. Due to the limitation of space, my senior didn't explain them in detail. Here are some details:

"Why is the complaint about dividend insurance so high? Unveil the mystery of dividend insurance. "

Having said that, as one of the types of insurance with the nature of financial management, it is still necessary to speak with income!

However, after counting the real income of this annuity insurance, the senior sister was shocked!

Parents are advised to compare it carefully. ...

Second, the subway baby (a) the real income of annuity insurance (dividend type) is announced!

If the 30-year-old Lao Wang orders the Metropolitan Baby (A) annuity insurance (dividend-sharing type) in order to provide a guarantee for the 0-year-old Hao Hao.

Select the wholesale premium of 225 129 yuan to analyze the income:

1, education insurance

For the basic guarantee of 25%, Haohao can get it every year when he is 18-2 1 year old, that is, 25,000 yuan, during which he will pay 654.38+10,000 yuan.

2. Marriage insurance money

When Haohao is 25 or 30 years old, he can get 30% of the basic insurance coverage, that is, 45,000 yuan, and pay a total of 90,000 yuan during the period.

3. Overdue insurance premium

If you want to get 500% basic insurance coverage, you have to wait until you are 60.

If we only look at this point, there are really countless ways to pay annuities, and we can get an income at different stages of our children's lives.

But the actual benefit is not satisfactory:

When Haohao reached the age of 30, he received an annuity of 10+9 = 19000 yuan, which did not exceed the premium paid.

If you choose to surrender at this time, you can get a cash value of 6,543.8+0.5+654.38+0.9 = 0.34 million.

After calculation, the IRR at this time is almost 1.54%!

It should be recognized that 30 years old is a turning point in life. In the important period of life, the income of this annuity insurance will always give you an unexpected "surprise"!

This really doesn't make sense!

If you are not aware of surrendering your insurance now, Metro Baby (A) Annuity Insurance (dividend-paying type) will only show 2.52% after the protection period, based on IRR!

It should be understood that there are many annuity insurances at present, and the IRR can be higher than 3%.

With such a comparison, Metro Baby (A) Annuity Insurance (dividend-sharing type) is a big difference!

Third, the summary of the senior sister

To sum up, Metropolitan Baby (a) Annuity Insurance (dividend-sharing) not only has many shortcomings in protection.

Moreover, its actual income is actually a bit low. Parents are advised to consider it comprehensively before configuring it!

If you want to start annuity insurance now, you can refer to this article:

Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!