Recently, the China Banking and Insurance Regulatory Commission issued a new regulation on Internet insurance, and your circle of friends may be in trouble again.

A friend came to me anxiously: I heard that annuity insurance will be removed from the shelves en masse, and it will no longer be sold online? Are there any good products now that I can buy quickly? This friend of mine always imagined that his life in his later years would be miserable.

So she has been planning her retirement financial plan during this time, and commercial pension annuity insurance is one of her goals.

I told her not to be so anxious. She was just worried about not having money or good products.

However, after the new regulations are implemented, a large number of annuity insurances will indeed be removed from the shelves.

Only ordinary annuity insurance with a guarantee period of more than 10 years can be sold online, while other "Hetai Life Jinduoduo" universal annuity insurance, universal insurance participating annuity insurance, etc. cannot be sold online.

Although the future product trend cannot be determined, there will indeed be fewer and fewer annuity insurance options available online in the future.

If you want to buy a commercial annuity insurance, now is also a good time.

This article will help you gain an in-depth understanding of commercial pension annuity insurance, and will also provide reviews of four good pension annuity insurances.

However, you must remember that buying insurance must be to solve your needs, not to blindly follow the trend just because it is discontinued.

If you need professional advice that is more suitable for you, please feel free to contact me at any time. I will give you the most practical advice based on your actual situation~ 1. Is pension annuity insurance worth buying? What are the advantages and disadvantages? If you buy annuity insurance, it’s like

You have an agreement with your insurance company.

We first pay the money to the insurance company, and the insurance company invests it together; when the agreed time comes, the insurance company will return the money to us.

Pensions and education funds are just different in the time when the insurance company pays the money.

If money is given to children when they are studying, it can be called education money; if money is given after we retire, it is called pension.

Let me take Yangduoduo No. 3 as an example: If Ms. Zhang, 30, pays a premium of 50,000 per year for 5 years, she chooses to start receiving money at the age of 60.

Taking version one as an example, starting from the age of 60, Ms. Zhang can receive 39,600 every year; and this is a lifelong pension annuity insurance. As long as she lives, Ms. Zhang can continue to receive it.

At this time, there may be enthusiastic friends who will consider for Ms. Zhang: If she has not started to receive the money, or has only received it for one year, wouldn’t it be a big loss? We will consider two situations: 1. She has not started to receive the money.

, this annuity insurance has death protection, the premium paid and the cash value will be compensated, whichever is greater.

In the 16th year and beyond, the cash value will exceed the premium paid, and the cash value will be directly compensated.

2. If you only receive it for 1 year, the person will be gone. There is a guaranteed payment period in the form. Version 1 guarantees payment for 10 years, and version 2 guarantees payment for 20 years.

Even if Ms. Zhang only received it for one year and died, Yangduoduo 3 will pay the remaining unclaimed money in one lump sum.

Taking version 1 as an example, you can get at least: 39600×10 = 396000 yuan.

To sum up, annuity insurance has the following two obvious advantages: 1. The benefits are clear and at least the principal is guaranteed. As long as the policy is not surrendered midway in the past few years, annuity insurance will not lose money.

Even in the most extreme situation, where the person who initially paid the premium is no longer around, all premiums can still be refunded.

Furthermore, when can you receive money from annuity insurance? How much money can you receive? This will be written in black and white on the contract, and the insurance company will definitely pay it.

This is the biggest charm of ordinary annuity insurance (except for participating and universal annuities). The benefits are clear and the benefits are clear.

Don’t underestimate this. Annuity insurance can guarantee us fixed income for decades or even a lifetime. How many investment methods can do this? 2. Annuity insurance is safe and reliable. Another soul question: How can we, ordinary people, ensure that we have a fixed income for decades?

Will this insurance company still be there after the year? In order to dispel everyone's concerns, national laws will protect it! According to Article 92 of the Insurance Law, annuity insurance is the life insurance with the most stringent national supervision.

Even if the insurance company goes bankrupt, other companies will take over according to the law, and the annuity should not be less: but everything has two sides.

There is a triangle rule in the investment community. No financial product can take into account liquidity, profitability, and safety at the same time.