Annuity insurance means that the applicant or the insured pays the insurance premium once or on schedule, and the insurer pays the insurance premium on an annual, semi-annual, quarterly or monthly basis on the condition that the insured survives until the insured dies or the insurance contract expires. It is a kind of life insurance to ensure that the insured can get economic benefits when he is old or incapacitated.

There are many annuity insurance products on the market. On the one hand, we should know our own needs, on the other hand, we should know which ones are good annuities. Mintbao has sorted out the purchase strategy of annuity insurance for your reference: share the purchase strategy of annuity insurance! Stop jumping in these pits!

China Merchants Cigna Insurance Company * * * has two types of annuity insurance, namely "Zhufu Lifetime" annuity insurance and "Free Life" annuity insurance. If Zhufu Lifetime is not in a hurry, it is still worth considering.

1. "Zhufu this life" annuity insurance is a classic pension annuity insurance, and the payment period and amount can be stipulated according to the needs of the insured.

1. Survival insurance. Survival insurance means that the insured can receive 1% of the basic insurance amount on the first policy anniversary of the expiration of consumption until the policy anniversary of the insured's 64-year-old;

2. birthday insurance. The insured can receive 1% of the premium paid as birthday insurance money once he survives to 65 years old;

3. Pension insurance. From the age of 66, the insured can get 3% of the basic insurance amount every year;

4. Death insurance. If the insured dies before the age of 65, he can receive the premium paid by the main insurance or the cash value of the main insurance; If he dies after the age of 65, the death insurance premium shall be the cash value of the main insurance contract at the time of his death.

Second, "Free Life" annuity insurance is a flexible life annuity insurance.

1. from the first policy anniversary date after the starting age of annuity collection agreed in the contract, if the insured is still alive on the policy anniversary date, he can receive the annuity, and he can receive 1% of the basic insurance amount of the main contract every year until his life.

2. If the insured dies unfortunately within 2 policy anniversaries after the effective date of the contract and the annuity collection age agreed in the contract, he can get the death insurance benefits stipulated in the contract.

Minbaobao is a third-party insurance service platform, which can not only customize the appropriate insurance scheme for users, but also share some insurance knowledge from time to time, so that users can master insurance knowledge, and they are no longer insurance professionals.