Many friends have also consulted me. How about Taiping Xinyue Life Pension Insurance 202 1? Is it good or not? Is it worth buying? Then the following senior will give you a detailed evaluation.
Before explaining, Senior Sister gives you a guide to avoid annuity insurance pit. Don't miss it: "Learn this trick and stay away from the 99% pit of annuity insurance"
First, the advantages and disadvantages of Taiping Xinyue Life Pension Insurance 202 1 are these!
As an old example, let's first analyze the product diagram of Taiping Xinyue Life Pension Insurance 202 1:
Senior simply took out the evaluation results:
& gt& gt Advantages of Taiping Xinyue Life Pension Insurance 2021;
1, the pension was received earlier.
Taiping Xinyue Life Pension Insurance 202 1 can be divided into men and women. The earliest age of men is 60, and the earliest age of women is 55, which is in line with the legal retirement age in today's society.
This means that even if the document of delaying retirement in the future is officially issued, the insured who buys products such as Taiping Xinyue Life Pension Insurance 202 1 will not be greatly affected. For example, men can still get a pension at the age of 60.
2. Have a long-term birthday care fund.
Taiping Xinyue Life Pension Insurance 202 1 The terms of the Longevity Birthday Care Fund are as follows:
In other words, as long as the insured survives every birthday after the age of 80, he can receive 100% of the basic insurance amount, and this guarantee will be terminated when the insured dies.
& gt& gt Disadvantages of Taiping Xinyue Life Pension Insurance 202 1;
1, with a narrow age range
As a kind of old-age insurance, of course, it is agreed that the more old people are insured, the more popular they are. Some old-age insurances on the market have set the maximum age at 70.
In contrast, as far as the setting of the insurance age is concerned, the scope of Taiping Xinyue Life Insurance 202 1 is a bit narrow, and only people born from 28 days to 55 years old are within the insurance age range, which shows that people aged 55-70 are really not taken care of!
For example, Lao Wang, who is 56 years old today, is a die-hard fan of Taiping Life Insurance. He wants to buy a new Taiping Xinyue Life Pension Insurance 202 1, but his age is no longer within the insured age range, so he can only look for other products!
2. The warranty period is not flexible
Taiping Xinyue Life Pension Insurance 202 1 only provides the option of whole life insurance, which is a little simplistic and can only meet the needs of people who have long-term investment or as pension plans.
But for some friends who want to make short-term investments (for example, guarantee for 5 years, 10 years, etc.). ), it is not so friendly. It can be known that Taiping Xinyue Life Pension Insurance 202 1 If you want to increase the number of customers, you should work hard for some time!
If you read the above evaluation content, everyone thinks it doesn't matter. They just want to buy Taiping Xinyue Life Pension Insurance 202 1, but the senior sister doesn't agree. Before you are familiar with the benefits of this product, please think about it!
If you want to know more about Taiping Xinyue Life Pension Insurance and the specific income, then this article must not be missed: Is Taiping Xinyue Life's pension income high? Let me tell you something.
Secondly, I want to buy Taiping Xinyue Life Pension Insurance 202 1. What is the key to its income?
To be more specific, everyone will understand:
If 30-year-old Mr. Liu bought a 202 1 Taiping Xinyue life pension insurance product for himself, and the insurance premium was paid in 20 years, with a monthly premium of 1000 yuan and a basic insurance amount of 2,000 yuan, and the time when he started to receive pension insurance money was set at 60 years old, then his actual situation was as follows:
1, investment principal
30-49 years old: Mr. Liu invests 1 ,000 yuan every month, that is to say 1 for the whole year, and it takes 20 years for 200 yuan, totaling * * 240,000 yuan.
2. Receive a pension annuity
Assuming that he is 80 years old every month, according to the regulations, from 60 to 80 years old, after meeting the conditions for receiving pension, Mr. Liu has 2000 yuan per month, and then 24000 yuan per year, totaling 504000 yuan.
Then how long will it take Mr. Liu to recover the principal? It is estimated that Mr. Liu needs to receive a pension at the age of 69 to return to the capital. It takes 65,438+00 years to return to the original, which is too slow!
Later, my senior helped Mr. Liu calculate the internal rate of return (IRR) of this insurance. If Mr. Liu lives to be 80, he will live to be 80. At present, 3.7% is the internal rate of return of Taiping Xinyue Life Insurance, which is still very good.
Naturally, compared with similar products with an IRR of 4% on the market, the income of Taiping Xinyue Life Pension Insurance 202 1 is almost the same.
Sister Xue has compiled a list of high-yield annuity insurance before. You can refer to: "Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Third, the summary of the senior sister
On the whole, Taiping Xinyue Life Pension Insurance 202 1 can receive the pension very early, and it also has a long birthday care fund, but its income is a little low, and its insurance age range is not wide, the guarantee period is single, and its overall performance is average.
Senior sister suggested that when choosing pension insurance, you should thoroughly understand the terms and benefits before considering it.
Write it at the end
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