This aroused everyone's curiosity. Is this product really that great? Here's a piece of advice from senior sister, because annuity insurance is a kind of insurance that is likely to step on thunder. Remember to learn the following pit avoidance methods before buying:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. How about Taiping Fortune Anying Annuity Insurance?
Let's briefly understand the protection content of Taiping Wealth Anying Annuity Insurance:
As can be seen from the figure, Fortune Anying annuity insurance is not a long-term annuity insurance but a short-term annuity insurance, and its guarantee period is 15 years. Practically speaking, this product actually has some obvious pits:
1, Taiping Wealth Anying Annuity Insurance has poor death protection.
If you die within the protection period, Fortune Anying Annuity Insurance only provides paid premiums for compensation, that is to say, the death protection of Fortune Anying Annuity Insurance is meaningless! Many annuity insurances in the market can enjoy the guaranteed collection period. Even if you die unexpectedly, you can get a lot of compensation.
From this point of view, Taiping Wealth Anying Annuity Insurance is not very attractive.
2. The payment method of Taiping Wealth Anying Annuity Insurance is single.
There are only three-year and five-year payment methods, and there is no wholesale payment method (all at once). For a small partner with a lot of income but instability, it is impossible to plan to use wholesale delivery.
The design of this kind of financial annuity insurance is obviously not very thoughtful.
If you can't accept the above two points of Taiping Wealth Anying Annuity Insurance, you can choose other products:
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Of course, some small partners may pay more attention to its income if compared with the protection content of wealth-winning annuity insurance. Then next, I will take you to analyze the specific benefits of Wealth Anying Annuity Insurance!
Second, is the income of Taiping Wealth Anying Annuity Insurance high?
Let's give an example: Lao Wang is 30 years old. He is equipped with Taiping Wealth Anying Annuity Insurance. He pays 65,438+00,000 yuan every year for five years. You can look at the cash flow:
The actual annualized rate of return of Taiping Wealth Anying Annuity Insurance is really not so good, only 2.47%. This level of income, not surprisingly, can only be compared with the balance of Alipay Bora with higher income.
Moreover, the guaranteed income of the wealth series universal account of Taiping Wealth Anying Annuity Insurance is at the level of 2.5%, but the guaranteed income of many universal accounts on the market has reached 3%. There are many universal accounts with guaranteed income of 3% in the following information:
"Ten universal insurance stocks worth buying! 》
In contrast, the wealth series universal account can only be considered as average.
To sum up, the yield of Taiping Fortune Anying Annuity Insurance is 2.47%, which is somewhat inferior to related products. In addition, even if the universal account is added, the guarantee income of the universal account is very low, and it cannot be combined with the excellent universal account.
Also, if you can't make a decision, it doesn't matter to compare it with other products, and then decide whether to buy it or not. In the final analysis, there are many financial insurances that are better than Taiping Fortune Anying Annuity Insurance.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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