It is reasonable for Mr. Song, 34, to purchase an annuity insurance for himself.

Because in addition to transferring funds or workplace risks, there is a larger safety margin.

1. Compared with bank financial management, stocks, funds, etc., one of the biggest features of annuities is safety, and there is no need to worry about the collapse of the insurance company.

After paying the premium, the insurance company will return the survival benefit to the insured on schedule in accordance with the contract, and the total amount returned is certain.

2. In addition, the contract will also stipulate the cash value of the annuity insurance and its changes. As long as the cumulative total of survival benefits before a certain policy year is added to the cash value of the current year's policy, you can get a certain income.