Introduction of annuity insurance
Annuity insurance refers to life insurance in which the survival of the insured is the condition for payment of insurance benefits, and the survival insurance benefits are paid in installments according to the agreed time interval. The two functions of annuity insurance are financial management and asset inheritance.
Ordinary annuity insurance, fixed payment, special fund. How much and how long to pay is suitable for the moonlight clan and pickpocket party to make wealth planning, and ensure that the funds can play a role at the appointed time or in an emergency. Dividend annuity insurance, the predetermined interest rate and fixed income are generally lower than ordinary annuity insurance, and the dividend depends on the capital operation level of the insurance company, so the dividend is unstable and may even be 0.
Universal annuity insurance, after deducting part of the initial cost and guarantee cost, the premium enters the personal investment account, with guaranteed income and uncertain additional income. Investment-linked insurance is a long-term financial insurance, which can be converted into annuity payment. This is a product with great uncertainty. There is no guaranteed income, and the income and risks are borne by the users themselves.