It is precisely because of this that education annuity insurance is deeply loved by parents, but there are really many pits that we are easy to fall into!

Today, Senior Sister takes the Pacific Dongfanghong Youth Wisdom Annuity Insurance as an example to give you a sample! Let's take a look at what "pits" this product has hidden!

Annuity insurance is a kind of insurance with financial management function, which does hide many traps. This lightning protection manual was compiled by senior sister to help everyone. Please collect quickly:

A trick to help you stay away from the 99% annuity insurance trap

1. What "pits" are hidden in the Pacific Dongfanghong Youth Wisdom Annuity Insurance?

Let's take a look at the protection chart of this product, which was compiled by Senior Sister personally:

1, single payment cycle

Dongfanghong Youth Wisdom Annuity Insurance has no payment period and can only be paid annually. Simply put, batch payment means paying all the insurance premiums at one time.

Compared with annual payment, wholesale payment is more suitable for people with high income but unstable income.

Because the total premium to be paid will be more cost-effective than the annual payment, which is like choosing a one-time payment or mortgage loan when buying a house.

If two payment cycles of wholesale payment and annual payment are set, in this case, the insured can choose according to his own situation, which is very friendly to the insured.

Dongfanghong children's intellectual annuity insurance is not excellent in this respect.

2. Cannot attach universal account.

What is a universal account?

If you don't want an annuity for the time being, you can put it in this account for compound interest and appreciation.

Moreover, the guarantee rate of most universal accounts is around 2.5%, and the better guarantee rate is 3%.

For the insured, the advantages simply outweigh the disadvantages, just like there is another way to benefit!

It's just that Dongfanghong Youth Wisdom Annuity Insurance does not provide universal accounts. In this case, the insured can only rely on the annual annuity to make a profit, and the ways to make a profit are very scarce.

3. Uncertainty of dividend

The outstanding feature of Pacific Dongfanghong Youth Wisdom Annuity Insurance is that there is a policy bonus, which many parents are aiming at.

However, dividends should refer to the actual operating conditions of insurance companies. If the insurance company is not well managed, the chances of paying dividends in person are slim.

Furthermore, as consumers, the actual operating profits of insurance companies have no right to ask.

Senior also found the terms of the Dongfanghong children's intellectual annuity insurance, which clearly stated:

It can also be said that dividends are uncertain, and there may or may not be; And if there is a dividend, consumers can only know the details of the dividend when they receive the dividend notice.

To sum up, it's too simple to make big money with dividends, wake up ~

The following is a concrete evaluation of the relevant contents of dividend insurance, and interested friends can refer to it:

"Why are the complaints about dividend insurance so high? 》

2. What is the income of Pacific Dongfanghong Youth Wisdom Annuity Insurance?

When the 30-year-old Lao Wang chose insurance products for his 0-year-old son, he took a fancy to the Pacific Dongfanghong Youth Wisdom Annuity Insurance, and paid an annual premium of 6.5438+10,000 yuan for five years. He chose to get a birthday bonus at the age of 60, so as to know his income together:

Bonus: During Beckham's 0-year-old to her death, she can receive a bonus of 53 10.9 yuan every year, which is 9% of the basic insured amount.

Children's education savings: there is a certain age standard for receiving children's education savings. From Beckham's birth to the age of 18, you can receive 9% of the basic insurance amount as the children's education savings, and the birthday bonus is 53 10.9 yuan. When Beckham reaches the age of 60, he will be able to receive a one-time premium of 500,000 yuan.

Just look at these words, not bad. There are many ways to receive an annuity, and the contract promises to receive it immediately, but in reality it is often impossible:

When Beckham 18 years old, he returned a total of 202,000 yuan, less than half of the premium paid. It is the most critical stage in a child's life to receive higher education as an adult, and it also requires a lot of corresponding expenses.

Insured the Dongfanghong Youth Wisdom Annuity Insurance, and the young wisdom income is unqualified, and there is no income at this stage!

Let's just say that 297,000+10 1 10,000 = 398,000. This is the annuity that Beckham accumulated when he was 55, and he hasn't paid it back yet!

The child has entered retirement, and may not even get the money, which is not reliable for the speed of returning to school! A good annuity on the market can be repaid from the policy year 10.

It can be seen that Dongfanghong Youth Wisdom Annuity Insurance is not cost-effective. Parents who want to insure their children with Dongfanghong Youth Wisdom Annuity Insurance should be cautious!

Third, the summary of the senior sister

In a word, Dongfanghong Youth Wisdom Annuity Insurance not only has many shortcomings, but also makes people very uninterested in its benefits!

Therefore, partners who plan to buy this annuity insurance should be serious!

It is not that there is no good annuity insurance in the market, but there are still many excellent products. The seniors have arranged here. Interested friends may wish to have a look:

Annuity insurance with higher income? This 10 is very cost-effective! 》

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

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