It is more reasonable to know the types of insurance before talking about products. Many people want to judge whether an annuity insurance product is good or not without knowing what annuity insurance is, which is very bad.

Let's analyze annuity insurance in three points:

(1) What is annuity insurance?

Annuity insurance is to pay a certain premium first, and after the agreed number of years, you can get money from the insurance company every period. Usually we see more annuity insurance is education and old-age care.

Education fund is a kind of financial management to prepare children's education, marriage and love, but few education funds have high yield and little effect. In order to solve these shortcomings, I stayed up late to sort out an evaluation: the evaluation of the eight education funds with the highest rate of return in 2020.

Pensions, also known as pensions, can receive pensions from insurance companies after purchasing the agreed number of years, and the basic life of the elderly after retirement is guaranteed.

(2) Types of annuity insurance

Annuity insurance is divided into traditional annuity insurance, dividend annuity insurance, universal annuity insurance and investment-linked insurance.

(3) How to choose annuity insurance

First of all, pay attention to the pit prevention: "Learn this trick and stay away from the pit of 99% annuity insurance."

Secondly, we must consider the following points:

1. Look at the internal rate of return

The yield of annuity insurance still depends. According to this method, the annuity that can be received in the future and the premium to be paid every year are listed in the table and combined into a long-term cash flow, and IRR (actual rate of return) can be calculated according to the formula.

2. Look at the cash value

The income trend of each annuity insurance is different, and some cash values return quickly; Some early cash withdrawal is slow, but they receive more pensions.

If you are worried about the need of future capital turnover, it is recommended to choose annuity insurance with quick cash recovery. If there is only pension demand, you can choose products with slow cash withdrawal and many annuities.

3. Look at the predetermined interest rate

The yield mainly depends on the predetermined interest rate. The predetermined interest rate is directly proportional to the return rate of annuity insurance. 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.

Hope to adopt!

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Source: Xueba said that insurance official website