I just heard that Fude Life Insurance has launched an annuity insurance product called "Fuxiang Life Annuity Insurance 202 1".
Is this annuity worth our insurance? Don't worry, senior, I'll take you to study together!
Before we begin, I'd like to give you this insurance purchase guide to better understand the following:
"Super complete! Everything you want to know about insurance is here.
First, analyze and enrich the coverage of life annuity insurance 202 1
As usual, let's take a look at the product protection map first:
Abundant life annuity insurance 202 1 belongs to life annuity insurance. As long as the insured is alive, he can always receive an annuity.
There are two ways to pay an annuity:
(1) Annuity: paid in 3/5 years. Pay 10% of the basic insurance amount every month from the policy year of10; 10 year, starting from 15 policy years, pay 10% of the basic insurance amount every month. ② Special allowance: paid in 3/5 years, with 65,438+0.5% premium paid monthly in the 5th to 65,438+00 policy years, ***60 times; 10 year, starting from 5~ 15 policy years, pay 10% of the basic insurance amount every month.
Next, let's get to the point:
& gt& gt advantage:
1, insurable loan
Satisfied, abundant life annuity insurance 202 1 has the function of policy loan, and the maximum loan can be 80% of the cash value of the policy.
If the insured has a financial crisis and needs a lot of money to protect his company in the short term, then you can use this function. Even better, it can solve the problem of short-term funds and ensure normal enjoyment.
2. The insured has an exemption guarantee.
The exemption of the insured means that the insured's situation is consistent with the contract. For example, if the insured dies or is completely disabled, not only can the remaining premium not be paid, but also the protection enjoyed will not be less.
In fact, if you think about it carefully, this guarantee is quite suitable for children to buy. Let's give an example:
Lao Wang insured his child Xiao Wang and enjoyed life annuity insurance of 202 1, with annual payment of 10000 and payment of 10 year.
Once Lao Wang dies or is completely disabled four years later, it is best to waive this part of the premium in the next six years, and the insurance policy will take effect normally, and the protection provided can still be used.
According to the policy agreement, Xiao Wang can finally get the annuity by 15 of the policy.
Obviously, this kind of protection has effectively helped these adults in the family to be unable to continue to pay insurance premiums for their children in the face of misfortune, or to bear great pressure because of paying insurance premiums.
& gt& gt Disadvantages:
1. Cannot attach universal account.
Universal account can not be attached with rich life annuity insurance 202 1, and the insured will lose a way to benefit, which is very unfriendly!
What is the function of universal account? Simply put, if you don't take out the annuity, you can choose to put it into this account to make this part of the funds appreciate again.
Universal accounts use compound interest, which is what we call "rolling interest". In most cases, the guaranteed rate of return is around 3%.
It can be seen that the annuity insurance that can be attached to the universal account will have more benefits, and it is a pity that the abundant life annuity insurance 202 1 cannot be attached.
2. The setting of death/disability insurance is unreasonable.
If the insured dies or is totally disabled, the beneficiary will receive the insurance money paid by the insurance company: the premium paid-(accumulated special allowance+annuity) or the cash value, whichever is the greater.
To be honest, this guarantee is really bad. ...
In the similar annuity insurance in the market, the compensation standard in the case of death/total disability is generally to choose the maximum premium, current price and insured amount.
Under this adjustable setting, if the insured dies unfortunately, the beneficiary will certainly get the most insurance compensation at this time. Security can be stronger and more flexible.
Life and death is a very sensitive issue, which has not been mentioned to us, but in case of misfortune, the insurance money paid can bring some spiritual comfort to the family, so that the family can feel warmth and love while enjoying the protection.
These two points are only a part of enriching life annuity insurance 202 1, and the more detailed contents have been sorted out in the following articles. Interested friends can have a look:
Want to buy rich life annuity insurance 202 1 Understand these suggestions clearly! 》
Second, what group of people are suitable to buy generous life annuity insurance 202 1?
1, the person who does a good job of protection
Senior, I hope everyone knows: safety first, financial management second.
It is most important to allocate life insurance first, and then consider annuity insurance, which is a kind of financial insurance.
After all, when risks come, annuity insurance can't help us resist them.
There is a saying put forward by the China Banking Regulatory Commission that "the biggest function of insurance is protection", so as not to lose the original intention of allocating insurance.
2. People who pursue compulsory savings.
What is the biggest feature of annuity insurance? In fact, it is compulsory savings. For a long time, the funds invested in annuity insurance cannot be collected by the insured at will. As long as the guarantee period is enough, the insurance company will start to return the principal.
For most people, annuity insurance is very worthy of configuration when they don't know how to plan their funds and have some savings ideas.
You can save your spare money, such as pension, education fund, marriage fund, etc., as the product of life stage planning, and realize it through it.
3. People who pursue stable income
Because of the high risk of funds and stocks, annuity insurance is favored by most people because of its stable income.
If people's demand for income is relatively stable, it is indeed the best way to choose annuity insurance as a tool in financial management.
However, it must be said that annuity insurance, as a kind of financial insurance, actually has many hidden pits:
Learn this trick and stay away from the 99% pit of annuity insurance.
Third, the summary of the senior sister
Generally speaking, Abundant Life Annuity Insurance 202 1 does not have many bright spots, but it also has many defects. Senior sister suggested careful insurance.
Before we configure annuity insurance, qualified partners must first configure four major life insurance types, because they are good partners to resist risks.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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