Commercial endowment insurance is essentially annuity insurance, and the most important thing is income.
I compared dozens of annuity insurance on the market and selected several products that are most suitable for providing for the aged. Interested friends can poke the link to get: Top Ten High-yield Annuity Insurance Inventory! This is the best place to buy the whole network.
Next, I'll tell you how to choose a commercial endowment insurance that suits you.
Step 1: Pick the one with high income first.
No matter what the purpose of buying annuity insurance is, annuity insurance, as a kind of financial insurance, inevitably talks about income. High income also means that we can get more money.
Step 2: Cash flow should match demand.
Different people have different needs, and it is meaningless to talk about products without needs. The essence of annuity insurance is to change our cash flow. It is suggested to consider four aspects comprehensively:
(1) Annuity return: How much education money does the child return to school every year? How much pension will be returned every year after retirement?
(2) Universal account: How much cash is there in the account when the child goes to school or retires?
(3) Cash value: If you need money urgently, how much can you get back when you surrender? Will you lose money?
(4) The amount of death insurance: how much money can you leave for your relatives after you retire for a hundred years?
Of course, there are still many details to pay attention to in specific products. The key point is to know what your needs are. In particular, the return time of annuity insurance is relatively slow. If you follow the trend casually, if you find it inappropriate later, you will lose a lot when you surrender.
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