This annuity insurance is said to be the best Children's Day prize for children, which makes many parents eager to move.
Sister Xue immediately began to study this product to see if it is really worth starting!
Senior sister also arranged a relatively simple evaluation for everyone. Friends who have less time can read this article as soon as possible:
"subway baby b annuity insurance real income exposure! Sister choked. "
First, the coverage analysis of metropolitan baby (type B) annuity insurance (dividend type)!
Sister Xue has compiled its protection map for this product. You can study it:
Through the protection map, we can find that there is a lot of room to choose the annuity payment methods of subway baby B annuity insurance, as follows: education insurance, further education insurance and maturity insurance.
When the guarantee expires, that is, when the insured is 60 years old, he can get 5 times of the basic insurance amount at one time!
This alone has won the attention of many parents.
However, after in-depth research, the senior sister found that the subway baby B annuity insurance has a lot of tricks! Share it with everyone ~
1, death protection is not enough.
The death insurance premium set by Metro Baby B Annuity Insurance is the larger value of paid premium or cash value.
This setting is ok.
However, we must take a long view. When the children are in their thirties and forties, the family economic responsibility will be grafted on them, and it is their responsibility to support their parents.
They have settled down, have their own baby, and have debt problems such as mortgage and car loan.
At this time, you can pay a higher death insurance premium, which can avoid the family from falling into economic crisis and protect the family well.
Therefore, there are many annuity insurances in the market, and the death protection can pay 120%/ 160% of the premium paid, which is relatively strong.
It's a pity that the subway baby B annuity insurance obviously didn't take this angle into account!
2. Dividends are uncertain.
Plus the policy bonus, it is the most attractive place for parents of Metro Baby B Annuity Insurance.
Therefore, many unscrupulous intermediaries will use high-grade dividend income when calculating their income according to their parents' mentality.
According to this, the income is quite rich at first glance, but it is not!
The biggest feature of dividend distribution is uncertainty!
Because the distribution of dividends is related to the actual operating conditions of insurance companies, if the insurance companies are not well managed, it is very likely that they will not pay dividends that year.
And as consumers, they have no right to ask about the actual operation of insurance companies.
Moreover, even if dividends can be paid in that year, consumers will not know the details of dividends until they receive the dividend notice.
Therefore, if you want to get a high return on dividends, it is tantamount to daydreaming ~
There are many tricks of dividend insurance, and the article is short, so I won't explain it in detail with you. If you want to know, you can browse this article first:
"Why is the complaint about dividend insurance so high? Unveil the mystery of dividend insurance
However, when we started to buy annuity insurance, we were more concerned about high returns.
After calculating its income, senior sister felt a little want to cry. ..
As far as the income of this annuity insurance (dividend insurance) called Metropolis Baby (Type B) is concerned, it is really incredibly low!
Second, the real income of Metropolitan Baby (Type B) Annuity Insurance (Dividend) is announced!
Whether the income of annuity insurance is satisfactory is not enough, but also depends on its internal rate of return IRR.
Internal rate of return (IRR), specifically, is that the total value of capital inflow and capital outflow is the same, and the discount rate and net present value are equal to zero.
In other words, as long as IRR increases, the income of this annuity insurance will make us more satisfied.
Let's discuss with you the internal rate of return (IRR) of this subway baby (B) annuity insurance (dividend-paying) product!
The 30-year-old Lao Wang insured Metro Baby B annuity insurance for his 0-year-old child Jiang Mumu, with a one-time sexual intercourse premium of 230,930 yuan and a basic insurance coverage of 65,438+10,000 yuan.
1, education grant
During the period of Jiang Mumu 18-2 1 year, you can receive 25% of the basic insurance coverage, that is, 25,000 yuan, and pay 654.38 million yuan during the period.
2. Scholarship for further study
During the period of 22 to 24 years old, Jiang Mumu can receive 30% of the basic insurance amount every year, that is, 30,000 yuan, and pay a total of 90,000 yuan during the period.
3. Payment due
When Mu Mu is 60 years old, she can get 500% of the basic insurance amount at one time, that is, 500,000 yuan.
There are many ways to receive an annuity, and you can get an income at different stages of your child's life. It's good. Is that really the case?
When Jiang Mumu was 24 years old, the accumulated annuity was 10+9 = 19000 yuan, which did not exceed the paid premium.
If you choose to surrender at this time, you can get the cash value of11.8+19 = 308,000 yuan.
After calculation, the IRR at this time is only 1.37%!
If you don't choose to surrender at this time, by the end of the guarantee period,
The internal rate of return of Metro Baby B Annuity Insurance is only 2.5 1%!
At present, the IRR of many annuity insurance can be as high as 3%. Compared with others, subway baby B annuity insurance (dividend type) is nothing special!
Third, the summary of the senior sister
Generally speaking, the subway baby B annuity insurance not only has many loopholes, but also has less protection.
Parents who want to insure their children should think more in advance!
Moreover, there are many high returns of annuity insurance on the market, and it is most convincing to shop around for insurance! Intimate seniors also compiled a high-yield annuity insurance product. Parents who have this idea suggest browsing:
"Top Ten Annuity Insurance Rankings", these ten items are famous on the list! 》
Write it at the end
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