It is precisely because of this that education annuity insurance can be loved by parents, but there are many pits in annuity insurance that we don't even know when we step on it!
Today, my senior sister will take the product of Pacific Dongfanghong Youth Wisdom Annuity Insurance as an example to explain it to you!
Let's study what "pits" of this product have not been excavated by us!
As an insurance with financial management function, annuity insurance does hide a lot of "pits". This lightning protection manual compiled by senior sister will be reused for everyone:
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1. What "pits" are hidden in the Pacific Dongfanghong Youth Wisdom Annuity Insurance?
Let's take a look at the protection chart of this product, which was compiled by Senior Sister personally:
1, single payment cycle
The payment period is only annual payment, and there is no batch payment. This is the Dongfanghong Young Intellectuals Annuity Insurance.
What is barter? All insurance premiums are paid in one lump sum.
Compared with annual exchange, wholesale exchange is more suitable for people with high current income but unstable income.
This is because the total premium to be paid will be more worthwhile than that paid every year, just like buying a house, paying in one lump sum, mortgage loan.
If you set two payment cycles, wholesale payment and annual payment, the insured will have more choices, which is quite good for the insured.
Dongfanghong young intellectuals' annuity insurance is not good enough in this respect.
2. Cannot attach universal account.
What is a universal account?
If you don't want an annuity for the time being, you can put it in this account for compound interest and appreciation.
At the same time, the guaranteed interest rate of universal account is basically between 30% and 40%.
It is undoubtedly very beneficial to the insured, which is equivalent to an additional way of benefiting!
Unfortunately, the coverage of Dongfanghong Youth Wisdom Annuity Insurance does not cover universal accounts. In this way, if the insured wants to make a profit, he can only make a profit from the annual annuity, and the ways to make a profit are very scarce.
3. Uncertainty of dividend
As far as the Pacific Dongfanghong Youth Wisdom Annuity Insurance is concerned, the policy bonus is its biggest highlight, and many parents buy it.
I would like to remind you that the amount of dividends depends on the actual operating conditions of insurance companies. If the insurance company operates well, it will distribute dividends that year. On the other hand, if the business is not good, you may not get a bonus.
Moreover, the insurance company has no obligation to inform consumers of the actual operating profit of the company.
Senior also searched the terms of Dongfanghong juvenile wisdom annuity insurance, which read in black and white:
In other words, dividends are first of all uncertain, roughly there, roughly no;
Secondly, if there is dividend, what is the detailed process and situation of dividend? This will not be known until the consumer receives the dividend notice.
To sum up, it is wishful thinking to plan to make a lot of money with dividends, so let's return to reality ~
The following article gives a detailed introduction to dividend insurance for reference. Interested friends can read further:
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2. What is the income of Pacific Dongfanghong Youth Wisdom Annuity Insurance?
When Lao Wang was 30 years old, he chose the Pacific Dongfanghong Youth Wisdom Annuity Insurance to insure his 0-year-old son, paid the premium for 5 years, and the annual premium was 654.38+10,000 yuan. He chose to receive the birthday bonus at the age of 60. Let's talk about its related benefits first:
Bonus: From Beckham's birth to his death, he can receive 53 10.9 yuan every year, which is 9% of the basic insurance amount.
Children's education savings: within Beckham's age range (0- 18 years old), you will have the opportunity to receive 9% of the basic insurance amount as children's education savings every year, that is, 53 10.9 yuan.
When Beckham is 60 years old, he can receive the paid premium as a birthday bonus, that is, 500,000 yuan.
Look at these. They're really nice. There are many ways to receive an annuity, and once the contract comes into effect, you can receive it.
But in fact, this is not the case:
When Beckham 18 years old, he received an annuity of 202,000 yuan, but it was less than half of the premium paid.
Receive higher education according to the children's future development needs and bear the corresponding expenses.
I have insured the Dongfanghong Young Intellectuals Annuity Insurance, but at this stage, I really can't say what the income is!
Also, when Beckham was 55 years old, he received a total annuity of 297,000+10.10000 = 398,000, and he hasn't received the principal yet!
All the money has been invested, and the child may not have returned to the capital after retirement. The income is not ideal and the speed is too slow. Senior sister feels that the cost performance is not high!
No matter from the perspective of income or return rate, the relatively good annuity insurance on the market at present can withdraw all the money at one time in 10.
Dongfanghong juvenile wisdom annuity insurance is incomparable to other similar products.
If parents want to buy Dongfanghong juvenile wisdom annuity insurance for their children, they should consider it!
Third, the summary of the senior sister
In a word, Dongfanghong Youth Wisdom Annuity Insurance not only has many shortcomings, but also makes people very uninterested in its benefits!
In short, if a friend wants to buy this kind of annuity insurance, he must be careful!
It is not that there is no good annuity insurance in the market. In fact, there are still many excellent products. Senior arranged it below. Interested parties can have a look:
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Write it at the end
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