Shi Sheng Xinyue, a short-term annuity insurance that can guarantee 10 years, has recently been launched by Shanghai Life Insurance, which has attracted the attention of many consumers with a minimum premium of 5,000 yuan in the first year.

Senior sister also saw many friends' messages backstage. Is this annuity insurance worth buying? Is the income high?

Today, Senior Sister will give you an in-depth evaluation of the benefits of this Shi Sheng Xinyue Annuity Insurance. Is it worth starting with?

Before the evaluation, please refer to this pit avoidance guide of annuity insurance: "Learning skills, staying away from the 99% routine of annuity insurance"

First, the contents of Shi Sheng Xinyue Annuity Insurance.

To know what protection Shi Sheng Xinyue Annuity Insurance provides, please browse this senior's protection map:

1, insurance rules of Shi Sheng Xinyue Annuity Insurance

As we know from the above figure, people aged 28 days to 65 can apply for Shi Sheng Xinyue Annuity Insurance, but most annuity insurances can accept people aged 0 to 70. It can be seen that Shi Sheng Xinyue Annuity Insurance is very strict in the age of insurance.

The guarantee period of Shi Sheng Xinyue Annuity Insurance is only 65,438+00 years. It is a short-term annuity insurance product, and the fifth anniversary of the policy is the starting time for receiving survival insurance.

The payment period is set to three years, and the other five years, the insured can choose.

2. The coverage of Shi Sheng Xinyue Annuity Insurance.

The coverage of Shi Sheng Xinyue Annuity Insurance is relatively simple, including survival insurance, death insurance and policy loan.

(1) survival insurance

During the period from the fifth policy anniversary to the ninth policy anniversary, on each policy anniversary, the insured can receive survival insurance money, and the receiving ratio is 2% of the premium paid.

When the contract insurance expires, it still exists. At this time, according to the agreed insurance amount, the insured can receive the survival insurance money (the contract is invalid).

(2) Death insurance

The insurance company will choose to pay the premium paid and the cash value is large (the insured died unfortunately), and the contract will be terminated.

(3) Policy loans

If our family is short of money, we can choose to withdraw the cash value of the policy, and of course we can choose something else. You can also take your own policy and apply for policy loan service from the insurance company.

The loanable amount must be less than 80% of the current cash value of this contract, and the longest term of each loan is generally 6 months.

2. What is the income of Shi Sheng Xinyue Annuity Insurance?

Is the income of Shi Sheng Xinyue Annuity Insurance good? Senior, taking a 40-year-old male as an example, he pays 65,438+00,000 yuan a year for three years, and the accumulated premium is 30,000 yuan. The calculated income is as follows:

For example, 40-year-old Lao Wang insured Shi Sheng Xinyue Annuity Insurance, and the payment period he chose was 3 years, with an annual payment of 10000 yuan, and the guarantee period was 10 year.

According to the calculation, Lao Wang will get 2% premium every year from the age of 45, that is, 600 yuan will get 39 150 yuan before he dies at the age of 50.

If Lao Wang died at the age of 48, he said that the premium for three years was 30,000 yuan, and the policy cash at the time of death reached 35,930 yuan, so that the insurance company could pay the beneficiary a maximum of 35,930 yuan.

Shi Sheng Xinyue's income performance is average, and there are many higher-yield annuity insurances on the market. Senior sister will sort them all out here: "All the higher-yield annuity insurances you want are here! 》

3. What pits are there in Shi Sheng Xinyue endowment insurance?

Besides the poor income, it also has these shortcomings.

1, there is no function of insurance increase, insurance decrease and deduction settlement.

Most of the annuity insurance in the market is more flexible than the normal level, and the insured can get the protection of increasing insurance, decreasing insurance and paying off the amount, but Shi Sheng Xinyue Annuity Insurance does not have these functions.

If there is additional insurance function, if the insured's insurance period has not expired, then the insured can invest more funds during this period, thus obtaining more benefits.

The purpose of insurance reduction is to withdraw money flexibly when you need it, to retain your rights and interests without surrendering your insurance, and to withdraw some money.

The role of surrender is that when the renewal premium cannot be paid, you can choose to calculate the current premium, which is nothing more than having a certain impact on the money you can get in the future.

In Shi Sheng, Xinyue has none of the above three functions, which really makes people uninterested.

Regarding the more functions of annuity insurance, this insurance knowledge is clearly written: "Super complete! Everything you want to know about insurance is here.

2. The guarantee period is short.

As a short-term annuity insurance, Shi Sheng Xinyue can get benefits in a short time, but the short guarantee period has also become one of its shortcomings.

In contrast, consumers with short-term stable financial management needs are more suitable to buy Shi Sheng Xinyue Annuity Insurance, and there are other better options for long-term financial management.

Generally speaking, the income of Shi Sheng Xinyue Annuity Insurance is relatively general and its flexibility is not high. My senior has a suggestion. You can also browse other annuity insurance with good cost performance.

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

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