Senior sister looked at it, and this financial annuity insurance is contracted by Taiping Life Insurance, which hides a lot of tricks!

However, in order to satisfy the wishes of fans, senior school sisters will still come to in-depth evaluation to win wealth.

How to buy annuity insurance to avoid pit? What does a premium annuity insurance look like? The article tells you the answer: "If you know this trick, you can avoid the 99% trap of annuity insurance."

1. How about Taiping Fortune Anying Annuity Insurance?

First, let's have a general understanding of the protection content of Taiping Wealth Anying Annuity Insurance:

As can be seen from the figure, wealth annuity insurance belongs to the category of short-term annuity insurance and can only provide protection within 15 years.

But, to be honest, this product actually has some obvious problems:

1, Taiping Wealth Anying Annuity Insurance has poor death protection.

If you die within the protection period, Fortune Anying Annuity Insurance will only refund the premium you have paid. Simply put, the death protection lever in Fortune Anying Annuity Insurance does not exist at all!

However, there are a lot of annuity insurance in the market, all of which stipulate the guarantee period. Even if we die unfortunately, we can still get the ideal income.

In this way, Taiping Wealth Anying Annuity Insurance is not very attractive.

2. The payment method of Taiping Wealth Anying Annuity Insurance is single.

This annuity insurance belongs to short-term annuity insurance, and the payment method of Fortune Anying annuity insurance is only three years and five years, and there is no payment.

In other words, it is impossible to carry out future cash flow by wholesale payment with friends with high income but unstable income.

The setting of wealth-guaranteed annuity insurance is obviously not so good.

You don't have to take all this to heart. To tell the truth, there are still many annuity insurance without these two shortcomings. Regarding the two points mentioned above about Taiping Wealth Anying Annuity Insurance, if it is unacceptable, it is absolutely feasible to configure other types of products: "Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》

Some small partners will pay more attention to the income if they compare the protection of wealth-winning annuity insurance. Let's analyze the benefits of Wealth Anying Annuity Insurance with you!

Second, is the income of Taiping Wealth Anying Annuity Insurance high? Here's an example:

Lao Wang was 30 years old when he invested in Taiping Fortune Anying Annuity Insurance, and paid 1 000 yuan every year for five years. The cash receipts shown below are very clear:

There is a good way to judge the income of Taiping Wealth Anying Annuity Insurance by IRR. As shown in the figure, the actual annualized rate of return of Taiping Wealth Anying Annuity Insurance is too low, only 2.47%.

This level of income, not surprisingly, can only be higher than the balance of Alipay Bora.

What makes everyone feel embarrassed is that in order for Taiping Fortune to win annuity insurance, a wealth series universal account must be attached.

What is the use of a universal account? Simply put, you can put the income you received into the universal account again for investment, and you can get the second compound interest.

The income of universal account is not fixed, so there will be guaranteed income.

All universal accounts in Fu Gui series provide a guaranteed income of 2.5%, but there are many universal accounts in the market with a guaranteed income of 3%.

In contrast, the wealth series universal account can only be considered as average.

In addition, on the basis of guaranteed interest rate, universal accounts generally have three income grades: low, medium and high.

However, we should know that the final income of universal account still comes from the settlement interest rate of products, and the settlement interest rate of universal account is not stable every month.

That is to say, even if the settlement interest rate of this universal account is relatively high at present, there is no guarantee that the settlement interest rate of this universal account will remain at a high level in the next few years or even more than ten years.

Therefore, senior students should emphasize once again that when buying universal accounts, they should give priority to those with high guaranteed interest rate to ensure their wealth and realize stable and long-term appreciation. Maybe you'll see what it looks like here. Everyone probably knows whether it is worth buying Taiping Wealth Anying Annuity Insurance.

Under normal circumstances, the universal account is obviously not attached, and the yield of Taiping Wealth Anying Annuity Insurance is 2.47%, which is somewhat inferior to related products.

In addition, although it is an additional universal account, the guarantee income of universal account is not high, and it is not among the excellent universal accounts.

And partners who are still wandering can compare the advantages and disadvantages with other products, and it is not too late to buy again.

The following is a collection of high-yield financial insurance. Friends who are interested in configuring financial insurance can directly collect it: "Want to buy high-yield financial insurance? Don't miss this 10 model again! 》

Write it at the end

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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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