Annuity insurance is not something that everyone needs to buy, but mainly depends on their own actual situation.

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 the real insurance lever can't be truly revealed for people with great personal protection needs.

Therefore, when buying insurance, we should give priority to critical illness insurance, medical insurance, accident insurance, life insurance and other insurance types, so as to protect our personal health and transfer economic risks.

What are the functions of these four types of insurance? There are detailed explanations in this article. Let's 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?

Besides, it doesn't mean that you can buy annuity insurance if you need financial management. You should 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 for analysis.

1. Who is suitable to buy annuity insurance?

The following groups of people can take annuity insurance into consideration:

1. People with pension needs

At present, many annuity insurance products stipulate that they can receive it regularly. After being insured, the money they receive after a certain period of time can make up for the shortage of social pension.

Therefore, people at a young age should prepare annuity insurance and pay the premium on time, which is almost the capital invested by the family, 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 their children. It is more cost-effective for parents to allocate according to their children's education plan and reduce the burden of future education expenses.

3. High-net-worth individuals who need to avoid risks

For example, those with high incomes have enough funds to invest, and it is necessary to "not put eggs in one basket".

Therefore, for them, it can be seen from the allocation of family assets that they can not only make a variety of high-risk investments, such as stocks, funds and futures, but also allocate low risks such as annuity insurance to ensure stable income and reduce risks.

4. There is a large amount of assets to inherit

Then, for wealth inheritance, if you buy 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 collect the money for the time being, you can leave it to your descendants as a wealth inheritance after your death.

Originally, it was not only annuity insurance, but also a kind of financial insurance with an increase in whole life insurance, which also meets the insurance requirements of this group of people. Some of the financial insurance with an increase in whole life insurance is better than annuity insurance.

Friends who want to know more about the increase can know whole life insurance through this article:

"Who is the sacred whole life insurance that can manage money and guarantee the increase? 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 terms of financial management and design, we 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, and from the perspective of income, there are many differences. Sister Xue divided the annuity insurance on the market into four categories, which is more convenient for everyone to distinguish:

As you can see directly in the picture, different annuity insurance plays different roles, so everyone needs to choose a suitable product to insure according to the actual situation.

2. How to get it

When preparing to buy long-term annuity insurance, the insured should be clear about the annuity time, collection period, collection method and collection amount of the 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 applying, you should consult professionals in time if you don't understand them.

In addition, it is best for everyone to choose annuity insurance with the rights and interests of policy loan, reduction and settlement, plus or minus insurance, etc., so as to guarantee the sudden financial problems within the term so that we can completely solve them in time!

3. Don't blindly believe in propaganda

Many insurance salesmen will blindly advocate how high the annuity insurance yield is in order to promote their products, such as publicizing that the annuity insurance yield is as high as 5% or more. Friends should not believe it, and don't believe it.

At present, the predetermined interest rate of annuity insurance products in China is generally around 3%, and the highest interest rate can reach 4.25%. Moreover, those claiming to be higher than 5% are actually included in the universal account, which is not a comparative order. Moreover, although the universal account has increased the yield, the actual annual interest rate will change, and the last year's income is particularly good, which does not mean that this year's income is also better.

In a word, annuity insurance is not suitable for everyone to buy, and we must be careful about the precautions mentioned above. We need to consider all the links clearly so as not to be fooled and avoid some unnecessary troubles in the later stage.

At the end of the article, the following raiders have some matters related to annuity insurance specially arranged by senior sister, so you might as well collect them directly for later viewing:

"Learn this trick and stay away from the 99% pit of annuity insurance"

Written at the end

I am Xueba talking about insurance, focusing on objective, professional and neutral insurance.

If the above content has not solved your problem, you can also come to WeChat official account Xueba and ask me about insurance.

I will give you the most professional advice based on years of experience in configuring insurance for 1W+ families.

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