If you haven't bought insurance and don't know how to choose it in the face of all kinds of insurance in the market, then I suggest you read this article first and know how to choose:
There are so many types of insurance, which one should I buy first? 》
1. What do you mean by wedding money?
In fact, marriage money is similar to insurance such as pension and education money, and it is the same as ensuring sufficient financial support when money is needed in a certain period in the future.
For example, parents insured their children for a wedding payment, and the premium paid was equivalent to the money saved. When it is agreed in the contract, if it is agreed to receive it at the age of 25, then the child, as the insured, can get married as a child at the age of 25 and receive an annuity according to the contract.
Often when the money for marriage reaches marriageable age, the insured is eligible to receive it when he is alive, and unmarried people can also receive it.
Many education insurance products on the market are also equipped with marriage money, and children will have the opportunity to receive it when they are twenty or thirty years old.
Based on the above factors, the name "bride price money" can be said to be a publicity method for insurance companies to promote products. We usually buy annuity insurance for the money for marriage, education and pension.
You can choose annuity insurance to save, buy annuity insurance, and have a one-time behavior or pay money every year. If you want to withdraw money to meet the agreed time, the insured can receive the corresponding amount, thus successfully achieving the goal of compulsory savings.
Second, how to buy annuity insurance?
1, define the security requirements.
Before starting a specific annuity insurance product, we must first make clear our own needs and decide whether to use endowment insurance to support the elderly or reserve education funds, marriage funds and children's start-up funds.
How much spare money can be invested now and how long it can take; When, how much and how long will it take to get the money from the insurance policy.
2. Choose the appropriate guarantee period and collection time.
After we made clear the purpose of choosing annuity insurance, we began to choose products. It depends on whether the annuity insurance to be insured includes the age group with guaranteed demand. At the same time, we should set the time to receive the annuity at the key point of using the money in the future.
If it is for the elderly, the guarantee period should be long enough. It is best to buy insurance products that can guarantee a lifetime. After all, the medical level is already very high now, and there are many people who live long. At the age of 55 or 60 or later, you must have a long time to support the elderly and buy pension insurance.
Suppose you save education money for your children, usually at least until they are 30 years old. You can get money from 15 or 18 when you buy education annuity insurance, because 15 is just the age of high school, and 18 is usually a university;
If you want to save the wedding money for your children, it is suggested that you choose the annuity that supports the increase of universal account as early as possible, and then take the money out of the universal account when the children get married.
3. Make sure the content is thoughtful.
Generally speaking, the protection of annuity insurance covers the most basic survival annuity and death insurance, and there are some better annuity insurance, all of which have total disability protection. If a person has an accident that leads to total disability, the consequences are also very serious, and someone around him needs to take care of him all the time, which will lead to a lot of expenses. Therefore, assuming that there is total disability protection, compensation insurance money can also reduce the economic pressure of some families.
4. Good income
Income is an important factor that many people consider when buying annuity insurance. Generally speaking, we measure the income of annuity insurance by calculating its internal rate of return. The key measures are based on the policy year, annual premium payment and inflow. Generally speaking, the higher the IRR value, the better the income of annuity insurance.
Based on the above aspects, Senior Sister has selected ten high-yield annuity insurance products for everyone, which can be directly selected from these products:
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3. What should I pay attention to when buying annuity insurance?
During the period of purchasing annuity insurance, everyone should pay attention to the liquidity of annuity insurance. As I said before, you can't just take away the money you invested in annuity insurance. After all, the liquidity of funds is very poor.
Therefore, before taking out insurance, we should also know how much spare money we have to invest, considering that this money is not needed for the time being.
However, some annuity insurances are specially equipped with insurance reduction and insurance increase, which can gradually increase the liquidity of funds. For the reduction of insurance, the insured can make a request for reduction of insurance to the insurance company within the specified time. After the insurance reduction, the basic insurance amount has decreased compared with the same period, and the cash value corresponding to the insurance reduction can be obtained to solve the short-term fund shortage. However, there are certain restrictions on the insurance deduction generally allowed, which are specifically stipulated in the contract.
Moreover, perhaps annuity insurance can't provide the insured with protection against diseases and accidents, so you'd better configure products such as critical illness insurance, medical insurance and accident insurance first, and then consider buying annuity insurance when you have extra funds. Otherwise, in the event of an accident or serious illness, the money in the annuity insurance may not be taken out as soon as possible, and the money for treatment is not enough.
4. Where can I buy annuity insurance?
The following channels are available:
1, offline channel
In the physical business outlets, banks and other places of insurance companies, you can buy annuity insurance, or you can buy insurance through insurance salesmen.
2. Online channels
Friends can apply for insurance through official website, APP, insurance mall and other related channels of insurance companies, or the familiar online third-party platforms: Alipay's ant insurance, WeChat's micro-insurance, and the platform of insurance brokerage companies. Buy insurance products.
You can compare online and offline insurance channels to see which one is more convenient for you:
"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
Write it at the end
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