Affected by the epidemic, the stock market fluctuated greatly, and the fund stock financing effect was not good, so many people turned their attention to this annuity product with a booking interest rate of 4.025%.
Previously, an annuity insurance product was popular-Wealth Life C, which attracted many people under the banner of "paying for a while and getting money for a lifetime".
Today, Senior Sister takes this product as an example to analyze the financial management effect of annuity insurance and whether it is worth buying.
Before that, let's compare the high-quality annuity insurance products on the market and explore what are the good places: want to buy high-yield annuity insurance? Don't miss this 10 model again!
Then begin to explain our main content today, and don't forget to take notes!
First, Taikang Wealth Life C benefits announced!
Similarly, the senior will take out the product map of Taikang Fortune Life C first:
Next, Xue Jie will analyze the security and benefits of Taikang Wealth Life C in detail.
We take "Xiao Li, 30 years old, insured Taikang Fortune Life C, with an annual payment of 1 1,000 yuan and an insured amount of 8,350 yuan for five years" as the insurance condition. Let's have a look!
1, survival insurance
Before the age of 60, you can receive 10% of the basic guarantee amount once a year; After reaching the age of 60, you can receive 20% of the basic insurance amount every year.
Then, before the age of 60, the old man receives 8350* 10%=835 yuan a year; Lao Li can get 1670 yuan every year after he is 60 years old.
Taikang Wealth Life C can be guaranteed for life, which means that the longer you live, the more money you can get!
2. Continuous insurance premium
The continuous insurance premium of Taikang Fortune Life C is paid at 2% of the annual premium. If the insured chooses to pay the fee for three years, he can receive it in three installments. That's the inference!
However, it should be noted that if you choose the payment method of wholesale payment, you will not be able to receive continuous insurance premiums.
As far as Lao Li's example is concerned, the annual premium for five years is 1 ,000 yuan, so the continuous insurance premium for old Li Can is 200 yuan for one year and 1 ,000 yuan for five years.
In a word, the amount of continuous insurance money is directly proportional to the payment period!
3. Special survival insurance
Special survival insurance, Taikang Fortune Life C starts to collect on the fifth policy anniversary, and can get 50% of the premium, and the collection times are only once ~
If a friend pays the premium in one lump sum, it is impossible to enjoy special survival insurance!
Take Lao Li as an example. If you pay 50,000 yuan in five years, you can get 25,000 yuan after the fifth policy anniversary.
Let's think about it. After Lao Li is insured, how much can he get based on the above three security responsibilities?
① Renewal premium: 1 ten thousand x2%x5 years = 1 ten thousand yuan;
② Special survival fund: 1, 000 x 50% = 5000 yuan;
③ Survival allowance (35-59 years old): 8350 yuan x 10%x25 years =20875 yuan;
④ Survival allowance (60-80 years old): 8350 yuan x20%x2 1 year =35070 yuan;
That is to say, Lao Li * * * received 6 1945 yuan, and after deducting 50,000 yuan of premium, he finally earned 1 1945 yuan.
But if you want to collect it at one time, you can do it. The amount of survival insurance money received at one time is 3.6 times of the insured amount.
Obviously, no matter what kind of payment method, such a little income is definitely not enough!
However, this product has been discontinued. Sister Xue's original intention of analyzing this product is to hope that everyone can pay more attention to it, and there is no need to consider this low-yield product in the future.
If it is not clear, then we can compare Taikang Fortune Life C and whole life insurance to see what the difference is.
2. What's the difference between Taikang Fortune Life C and whole life insurance?
With the increase of whole life insurance, the insured amount can be continuously increased, and it is possible to provide death protection and realize wealth inheritance.
For more information about the increase in whole life insurance, please poke here:
Who's whole life insurance? Is it worth starting with?
As for the increased life span, there are two advantages, one is the quick return of funds, and the other is the flexible access to funds. It is regarded as a cash flow planning tool.
So, what are the advantages of increasing whole life insurance and Taikang Fortune Life C?
Its advantage lies not only in more flexible fund collection, but also in good investment liquidity.
Taikang Fortune Life C stipulated in the contract that it would take several years to receive the annuity on a regular basis. In contrast, it will be more convenient and flexible to receive additional funds from whole life insurance.
In addition, it does not need to consider time or quota when reducing insurance. As long as the cash value of the policy is not 0, it can be reduced at any time, which is more suitable for cash flow planning!
Compared with the increase in whole life insurance, Taikang Fortune Life C has the advantage of effectively fighting the risks brought by longevity. After all, life-saving annuity insurance can be received all the time during the life cycle.
I would like to remind you that annuity insurance is the same as incremental whole life insurance, and as a kind of wealth management insurance, many of their advantages are not available in other investment and wealth management products on the market.
Moreover, this wealth management product with long-term stable compound interest growth can not only reduce the risk coefficient, but also reduce the losses caused by uncertain income of other wealth management products.
Speaking of which, senior, there must be many friends who want to know more about the progress of Youzeng Life Insurance. Don't worry, let's take a look at this highly profitable product first:
The patron saint of love life 2.0 is about to stop selling for life, and the income is shocking!
Third, the summary of the senior sister
To sum up, Taikang Wealth Life C's guarantee responsibility is still relatively complete, but this income is really flattering, and it will be more than 10,000 years later.
Therefore, senior sister suggested that everyone must calculate the income before starting annuity insurance!
If you want to start with financial insurance, you can also pay attention to the increase of whole life insurance!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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