Piglet annuity insurance is a kind of financial insurance, which has the advantages of relatively stable income, but also has the disadvantages of rigid payment period, no universal account and low annuity income. Generally speaking, it is not worth buying. If you want to buy piggy annuity insurance, you can buy it through online channels such as Hongkang Life Insurance official website, official WeChat account, APP, professional insurance brokerage company, or you can buy it at offline insurance company outlets.

Recently, those friends around my senior were very sad because of the fund, and they all switched to investment and financial insurance to stop losses. Recently, my senior sister has been asked by many people, how do you view the term annuity of Xiaojin Pig on Alipay? Is the income high? The small golden pig term annuity introduced by insurance companies is very popular and has high returns. Today, my senior sister will give you an evaluation of this annuity insurance.

1. How much do you know about these pits of Xiaojin Pig's regular annuity?

Following the usual practice, let's first study the term annuity pattern of Xiaojin pig:

After you have a simple understanding of the security content of the term annuity of Xiaojin pig, it is easy for you to find the shortcomings behind the term annuity of Xiaojin pig.

Defect 1: rigid payment period

The payment period of Xiaojin pig term annuity insurance is not flexible. You can only choose to pay the insurance premium in one lump sum or three years, and the payment period is quite flexible.

Many annuity insurance products in the market have a reasonable payment period, which can be paid in 5 years, 10 years and 15 years.

The premium paid by annuity insurance products is generally higher. If it is a small partner with sufficient budget, it is not a big problem to choose wholesale payment. However, for friends with tight budgets, the inflexible payment period of Xiaojinzhu term annuity insurance is not very grounded.

Defect 2: lack of general account

Compound interest is very important for wealth management products such as annuity insurance. Generally speaking, annuity insurance products will be matched with a universal account, and the compound interest income will be put into the universal account to realize the second compound interest appreciation and maximize the income.

The guaranteed interest rate of most universal accounts of annuity insurance can reach about 3%, and some may be higher. After such compound interest, our annual income will increase, and universal account is still very important for annuity insurance.

Xiaojinzhu's fixed annuity has no universal account blessing, but can only receive a fixed annuity, and cannot achieve secondary compound interest. Compared with the annuity insurance of universal accounts, the term annuity of Xiaojinzhu does not have much competitive advantage. Universal account generally refers to the cash value account of universal insurance. If a friend doesn't understand universal insurance, you can read this article: Use universal insurance to manage money, and the income is stable and safe? Universal insurance from the beginning!

Defect 3: Less annuity received.

There are restrictions on the annuity collection of Xiaojinzhu term annuity insurance, which cannot be collected outside the fifth to twentieth years of the policy, but only 2% of the annual premium can be paid every year. Xiaojinzhu term annuity insurance may have to wait until the twentieth year of the policy to receive the insured amount. Is the refund time serious?

If the annual premium is 50,000 yuan, you can only receive 50,000 * 2% = 1 1,000 yuan each year when you start to receive the annuity in the 20th year of the policy. Compared with those annuity insurance products that receive a high proportion in the market, Xiaojin Pig's regular annuity receives too little money every year! The above mentioned contents are only part of the shortage of term annuity of Xiaojin pig. The following are the key points. Friends who lack time can directly understand: Is the small golden pig regular annuity on Alipay a quick refund? I was shocked to work out my income.

Second, the real income of Xiaojin Pig's regular annuity is exposed! Senior, after reading it, call a good man

Is the regular annuity income of Xiaojin Pig high or low? Sister Xue will show you a very simple example.

For example, at the age of 30, Lao Li began to insure Xiaojinzhu's regular annuity, paying 20,000 yuan every year for three consecutive years, and the basic insurance amount can reach 1 17200 yuan. Let's analyze the collection of annuity and expiration insurance:

pension

During the period of 35-50 years old, old Li Can receives 20,000 * 2% = 400 yuan every year, and finally gets 6,400 yuan, provided that the payment is enough 16 years.

Maturity premium

Lao Li's insurance expires at the age of 50. At this time, he can claim the insurance premium in full. The total premium is 1 17200 yuan. Together with the pension received in recent years, the income of old Li Can is123,600 yuan. According to the calculation of senior sister, the irr of the term annuity of Xiaojin Pig is 3.9%, which is actually a little low in terms of income. Senior sister has also seen many annuity insurance products with 4% and 5% yields. In contrast, the regular annuity income of Xiaojin Pig really has no advantage.

So what high-yield financial insurance on the market is worthy of attention? Sister Xue has compiled a list, and it can be seen: Want to buy high-yield financial insurance? Don't miss this 10 model again!

To sum up, the overall income of Xiaojin Pig's term annuity is average, and it can't match the value-added interest of universal account, so it can't be called excellent.

Write it at the end

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

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

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