If you want to get a relatively stable income, you might as well start with annuity insurance financing, which can be said to be a good choice.
However, the guarantee responsibility of annuity insurance is very simple, and it is impossible to truly reveal the real insurance leverage for people with great personal protection needs.
Therefore, when purchasing insurance, we should give priority to critical illness insurance, medical insurance, accident insurance and life insurance to protect our personal health and transfer economic risks.
What are the functions of these four types of insurance? This article has a detailed explanation. Why don't you take a closer look:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
In addition, it does not mean that you can buy annuity insurance if you need financial management. Pay attention to some details when buying annuity insurance. If you don't know these precautions in advance, you are likely to be fooled. Next, I will take you to analyze it.
1. Who is suitable to buy annuity insurance?
The following people can consider annuity insurance:
1, people with pension needs
At present, many annuity insurance products can be collected regularly. After insurance, the money received after a certain period of time can make up for the lack of social pension.
Therefore, young people should prepare annuity insurance and pay premiums on time, which is almost the capital invested by families, trying to make compulsory savings, earn cash value income and provide protection for their quality of life in their later years.
2. Parents who make long-term plans for their children
Because annuity insurance has the nature of compulsory savings and special funds, it is also good to buy it as a future education fund for children. It is more cost-effective for parents to allocate according to their children's education plan to reduce the burden of future education expenses.
3. High net worth people who need to avoid risks.
For example, people with high incomes have enough funds to invest, so they should "don't put eggs in one basket".
So for them, from the allocation of family assets, we can see that they can not only make various high-risk investments, such as stocks, funds, futures and so on. It is also necessary to allocate low risks such as annuity insurance to ensure stable income and reduce risks.
4. There is a large amount of assets inheritance.
Then, for the inheritance of wealth, in the case of buying some long-term annuity insurance, it is equivalent to locking in a long-term income. This income can be used at any time. If you don't want to receive the money for the time being, you can leave it to your descendants as a wealth after your death.
Originally, it was not only annuity insurance, but also a kind of wealth management insurance that increased whole life insurance, which also met the insurance requirements of this group of people. Some financial insurance in whole life insurance is better than annuity insurance.
Friends who want to know more can learn about the increase in whole life insurance through this article:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
Second, what should I pay attention to when buying annuity insurance?
Because most annuity insurance products on the market are really complicated in financial management and design, you should pay attention to the following points in advance when purchasing products:
1. Distinguish the types of annuity insurance.
There are still many forms of annuity insurance. From the perspective of income, there are many differences, but also to avoid buying inappropriate products and regret it. Senior sister divides the annuity insurance on the market into four categories, which is more convenient for everyone to distinguish:
As can be seen directly from the figure, different annuity insurance plays different roles, so you need to choose a suitable product to insure according to the actual situation.
2. Collection method
When preparing to purchase long-term annuity insurance, the applicant should make clear the annuity time, collection period, collection method and amount of insurance products. Therefore, these are related to our interests and how much money we can get in the end. Therefore, if you want to know more about these insurance clauses before insurance, there will be detailed instructions. If you don't know, you should consult a professional in time before insurance.
In addition, you'd better choose annuity insurance with policy loans, deduction settlement, addition and subtraction insurance and other rights and interests. To ensure the sudden financial problems during the period so that we can solve these rights and interests in time!
Don't blindly believe in propaganda.
In order to promote their products, many insurance salesmen will blindly advocate how high the income of annuity insurance is. For example, they advertise that the annuity insurance yield is as high as 5% or more. Friends, don't believe it. Don't believe it.
Because at present, the predetermined interest rate of annuity insurance products in China is generally around 3%, and the highest rate can reach 4.025%. And those who claim to be above 5% are actually counted in the universal account, not an order of magnitude. Moreover, although the universal account has improved the rate of return, the actual annual interest rate will change. Last year's income was particularly good, which does not mean that this year's income is better.
In short, annuity insurance is not suitable for everyone to buy, and the precautions mentioned above must be cautious. We need to consider all aspects clearly so as not to be fooled, and there will be some unnecessary troubles later.
At the end of the article, the following raiders have matters related to annuity insurance specially arranged by senior sisters. You may want to collect them directly for later viewing:
Learn this trick and stay away from the 99% pit of annuity insurance.
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