Annuity insurance means that during the life of the insured, after the premium is paid, the insurer pays the annuity regularly every year, every six months or every month until the insurance contract expires, the insured dies or the insured is 100 years old.

Annuity insurance is generally divided into education annuity insurance and pension annuity insurance according to different security purposes.

Second, how do ordinary families choose annuity insurance?

1, complete the basic guarantee.

Health is 1, others are the latter 0. Therefore, when allocating annuity insurance, ordinary families should take accident insurance, medical insurance, critical illness insurance and other basic guarantees as the premise. Only by ensuring basic security first can we better meet the needs of education and old-age care. Only in this way can insurance play a more comprehensive and effective role.

2. Long payment period

The average family has a well-off economy as a whole, which is more than enough. If children's education annuity insurance and adult pension annuity insurance are provided at one time, the pressure is relatively high. But these two kinds of annuity insurance also play an important role in a special period. It is suggested to extend the payment period, which not only takes into account education and old-age security, but also reduces the pressure of payment.

Step 3 plan ahead

It is very important to plan ahead for many things. A good beginning is half the battle. Annuity insurance is related to the length of payment period and the age when payment begins. The sooner you buy it, the longer the payment period, the lower the cost and the less pressure. Therefore, it is more appropriate to plan and participate as early as possible when family conditions permit.

Third, why buy annuity insurance?

1, which can provide quality old-age life.

Providing for the aged is not a problem that needs to be considered. On the contrary, if you want to have a better quality of life when you are old, you should make plans early when you are young. Annuity insurance has a steady return. After we plan the standard of living after retirement and how much money we need to receive regularly to reach this level, we can make more accurate arrangements through annuity insurance.

2, can meet the expectations of children's future.

Parents will worry that when they are old, they will no longer be able to share the burden of the family, unable to help their children, and even become a burden to their children. If the family economy is relatively well-off and has long-term planning, you can buy an annuity insurance for your child to provide a guarantee for your child's future life.

3. Asset risk can be reduced.

The allocation of annuity insurance can make the allocation of family assets more reasonable. When the family economy is in trouble for other reasons, the income of the annuity will not be affected, and the normal life of family members can continue to be guaranteed.

More insurance questions can be consulted by telephone.

Pre-sales product consultation: 400-880-3633

After-sales service: 95362

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