Before this article begins, I want to tell you something about the inadvisability of annuity insurance:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. What are the advantages and disadvantages of Guohua Shi Shengfu?
1, insurance rules
The insurance age is relatively wide.
It can be seen that people between the ages of 28 days and 65 years are supported by the old-age insurance. All the annuity insurance products on the market have an age limit, and most of them are under 55. Compared with other similar products on the market, the age limit of Fu annuity insurance is less, so that more elderly people can insure this product, which is commendable!
Flexible payment period
There are three options for the payment period of Fu annuity insurance, the first is batch payment, the second is three-year payment, and the third is five-year payment. The insured can choose according to his own situation to meet the needs of different customers.
2. Guarantee content
The security responsibility of the welfare annuity insurance is relatively simple, and the content only involves the survival insurance and the death insurance.
Survival insurance means that after reaching the age stipulated in the insurance contract, the insurance company pays an annuity once a year according to the basic insurance amount for life, which lasts until the death of the insured and the contract becomes invalid.
For example, when Xiao Ming was 30 years old, he bought a pension insurance. If he chooses to pay 30,000 yuan a year and then pay for three years, then the basic insurance amount that Xiao Ming gets every year from the third year is 380 1 yuan. The longer he lives, the more survival money he gets.
How much is the death insurance? If the death time of the insured is within the specified guarantee time, the insurance company will choose the maximum value of the cash value of the policy and the premium paid as the death compensation. Because it is possible that the cash value of long-term insurance will exceed the premium paid, such a setting of insurance companies can maximize the interests of policyholders.
If you want to see the disadvantages of Fu annuity insurance, you can click below to find out ~
Where is the so-called invincible annuity insurance? Are there any shortcomings? 》
I have completed the coverage and insurance rules of the old-age insurance. Then, let's talk about the benefits. I'll calculate it for you with three-year life insurance.
2. How about Guohua Fu's three-year life insurance plan?
Let's share with you the income demonstration chart of Guohua Fu's three-year life insurance plan:
From the demonstration diagram, it can be concluded that a 30-year-old man will pay for 3 years, insure 30,000 yuan a year, and it will take 30 years to return to his capital. Seeing this, I believe many people don't want to choose or regret choosing. Not only that, by the age of 60, the IRR of this policy can only reach 1%, but you should know that the IRR yield of most annuity insurance in the market is 3%-3.5%, so the yield of Guohua Shishengfu is really poor!
Generally speaking, regarding the return time, Guohua Fu Annuity Insurance takes a long time, and the rate of return is indeed lower than it. So just skip this product. If you want to buy wealth management products with higher income, it is recommended to compare and see the excellent annuity insurance on the market. Here, we have compiled excellent annuity insurance for everyone:
Want to buy high-yield financial 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;
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