If you want to get a stable income, you may wish to choose annuity insurance, and the time and amount of collection will not change. The same is true of China Ping An Life Insurance Company of China Insurance Company's Yue Yue life annuity insurance (dividend type).
So is this life-saving annuity insurance (dividend-paying) excellent or not? What are the advantages? Is it worth configuring? Today, senior sister will give you a good analysis.
At the beginning of the text, my senior sister will share with you the pit avoidance guide of annuity insurance. I hope the contents in the guide can help you:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. What are the advantages and disadvantages of life annuity insurance (dividend-sharing)?
Before it is too late, let's take a look at the protection content map of Yue Yue life annuity insurance (dividend-sharing type):
From the contents of the picture, we can know that the win-win life annuity insurance (dividend insurance) can cover people born from 28 days to 65 years old, which can guarantee life well and the protection content is quite comprehensive. So what are the disadvantages and advantages of a win-win life annuity insurance (dividend insurance)?
Advantages:
1. Receive survival insurance every year.
As long as the contract comes into effect, if the insured is still alive when the annual policy anniversary comes, the insurance company will pay 20% of the basic insurance amount, and the guarantee period can be set as life. In other words, if the insured is alive, the insurance company will give the insured a sum of money every year, and as long as he is alive, he can always get the money.
It is not only survival insurance, but also special survival insurance when you win life annuity insurance (dividend-paying). From the effective date of the contract to the 1 th policy anniversary, if the insured is alive, the insured can get 30% of the annual premium.
However, its survival insurance has no guarantee period, and the following products can be guaranteed for 20 years. Interested parties can have a look:
"Guangming Huixuan pension annuity has a high income? The answer is in the text ... "
2. Care about insurance money
If the insured is unfortunately totally disabled or dies before the policy anniversary date of the insured 18 years old, in this case, the insured can receive 20% of the basic insurance amount in addition to the survival insurance money within the agreed time.
It should be noted that the annual nursing insurance premium is limited to 20% of the basic insurance amount. In addition, if the insured 16 years old or above (inclusive) but 18 years old or below buys it for himself, he cannot enjoy the nursing insurance premium.
Disadvantages:
1. Policy bonus cannot be guaranteed.
Even if you have started to receive life annuity insurance (dividend type), you have the right to participate in dividend insurance business and distribute the surplus, and there is no guarantee that you will have a policy dividend.
Insurance companies can only determine the dividend plan according to the actual operation of dividend insurance business. If the dividend insurance business is not satisfactory, everyone may not get the dividend. Even if there is a dividend, the specific amount will not be known until the dividend report is obtained.
In addition, when family members take out insurance, they can choose three ways to receive dividends, namely, accumulating interest, paying insurance premiums, and buying insurance with increased payment. When you decide to buy insurance products, if you don't choose a good dividend method, use the method of accumulating interest.
2. Universal account guarantees low interest rate.
Yue Yue life annuity insurance (dividend-paying type) can be added to Ping 'an additional treasure pension security (universal, 20 15), so that all the survival insurance premium, special survival insurance premium and policy dividend can enter the universal account, and the purpose of secondary appreciation can be achieved.
However, its guaranteed interest rate is low, only 1.75%, and the minimum guaranteed interest rate stipulated by CBRC is 3%. The guaranteed interest rate refers to the income we can get, which is not affected by external economic changes, but the income above the guaranteed interest rate is indeed uncertain, so the higher the guaranteed interest rate, the better.
Second, is life annuity insurance (dividend type) worth buying?
To sum up, we can understand that although life annuity insurance (dividend-sharing type) has some advantages, it also has many disadvantages, such as the failure to guarantee the policy dividend and the low guaranteed interest rate of universal account. On the whole, the performance is not very good. I suggest you compare the annuity insurance on the market and make a choice. After all, there are many high-yield annuity insurance on the market.
Senior sister arranged a lot of value-for-money and solid annuity insurance. You can choose the best one here:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
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