We often hear that pensions and education funds are essentially annuity insurance.
Who is suitable for annuity insurance? Poke the link and you will know ~ Are these three types of people suitable for buying annuity insurance? Come and have a look ~
In order to better understand the annuity insurance, focus on the use of China Life's enjoy the supreme annuity insurance as an example:
① Payment stage: it is assumed that 654.38 million yuan will be paid each year in the first three years, and one * * * * will pay 300,000 yuan;
2. Refund stage: from the fifth year to the ninth year, 60,000 yuan will be refunded every year; /kloc-33,000 yuan will be returned in 0/0, and will not be returned after the end of the policy.
Besides annuity insurance, what other financial insurance are there? Generally speaking, financial insurance can be divided into four categories:
Annuity insurance: pay a sum of money first, and then return a sum of money every year as agreed.
④ Universal insurance: it is equivalent to "the balance treasure with guaranteed income", and the money put in universal insurance can increase in value at an interest rate of about 4-5%.
⑤ whole life insurance: There is a product in whole life insurance called Incremental whole life insurance, whose policy benefits can increase at an annual interest rate of about 3%, and it also has the function of financial management.
Investment-linked insurance: equivalent to "insurance company's fund", the return of investment-linked insurance depends on the investment level of insurance company, and the income is not capped or guaranteed.
Focus on insurance, the CBRC recognizes licensed institutions and focuses on insurance assessment. The whole network evaluated 3200+ insurance products, and the cumulative service users exceeded 5 million. If you have any questions about buying insurance, you can add WeChat consultation ~