Before starting the evaluation, we really need to have a good understanding of the basic knowledge of wealth management products including annuity insurance:
What is the difference between dividend insurance, universal insurance and increased whole life insurance? Which is the most cost-effective? 》
1. What is the guarantee of Evergrande Gold Medal Champion Annuity Insurance?
First of all, let me show you the product form diagram of Evergrande Golden Champion Annuity Insurance.
Evergrande Golden Champion Annuity Insurance is an annuity insurance product specially tailored for children under the age of 10, including education fund, venture fund, maturity guarantee fund and death protection, covering universal account options.
Evergrande Golden Champion Annuity Insurance has done well as follows:
1. Flexible payment period
The payment period of Evergrande Golden Champion Annuity Insurance can be wholesale or regular, and the longest payment period is 10 year.
The choice is very flexible, which can meet the needs of parents for flexible payment, so that the premium will not bring us great pressure, nor will it bring heavy economic pressure to the family.
This responsibility covers all ages.
Evergrande Golden Champion Annuity Insurance can receive four insurance benefits, covering several age groups with heavy parental responsibilities in the whole growth process of children, which can alleviate the financial pressure of parents to some extent.
People of different ages can receive insurance coverage, but the proportion is different, which can be said to be very reasonable.
3. You can attach a general account.
Evergrande Golden Champion Annuity Insurance can take the heirloom universal account as an additional option. After the universal account is attached, if the money in the annuity insurance is not taken out, it will automatically enter the universal account, resulting in compound interest and appreciation.
After introducing the highlights, let's take a look at the shortcomings of Evergrande Golden Champion Annuity Insurance:
1, short warranty period.
Evergrande Golden Champion Annuity Insurance is the oldest, set at 30 years old. At this time, it is a young man. If children have pension or investment needs in the future, Evergrande Golden Champion Annuity Insurance does not cover relevant protection.
2. Universal account guarantees low interest rate.
The guaranteed interest rate of the universal account of Evergrande Golden Champion Annuity Insurance is still somewhat low, even only 2.5%. You know, the guaranteed interest rate of universal accounts of many critical illness insurance products on the market is 3%. In this way, Evergrande gold medal champion annuity insurance is very general.
In addition, the gold medal champion of Evergrande still has the defect of low income, so don't miss it for those who don't know:
"With regard to this income of Evergrande's' Golden Crown' annuity, you can't make money if you buy it! 》
2. Is the income of Evergrande Golden Champion Annuity Insurance high? Is it worth buying?
According to the standard of 0-year-old baby, 65,438+10,000 insured amount, 10, let's analyze the collection of Evergrande Golden Champion Annuity Insurance.
From the year of 10, parents have to pay 265,350 yuan of insurance premium, and the age of refund is set at 15, and 30,000 yuan will be refunded as their children's high school tuition every year until 17.
From the age of 18, 50,000 yuan will be returned as the cost of going to college every year, and it will be returned to 2 1 year.
At the age of 25 and 30, 654.38+million yuan will be returned as venture capital and due refund.
* * * You can get 490,000 yuan, which is more than 200,000 yuan more than the principal. Don't worry about your child's education.
As mentioned above, the guaranteed interest rate of the additional universal account of Evergrande Golden Champion Annuity Insurance is only 2.5%, so the income as a wealth management product will not be too high.
Parents who want to manage their finances can look at this list:
"Top Ten Financial Insurance Rankings ▏ Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
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