Therefore, education annuity insurance is very popular with parents, but this kind of insurance really has many pits!
Today, Senior Sister will share with you an example-Pacific Dongfanghong Young Intellectuals Annuity Insurance for your reference!
Let's discuss what "pits" we haven't found in this product!
For annuity insurance, as an insurance with financial management function, there are indeed many "pits" in it. For this reason, Senior Sister has specially compiled a manual to help you mine, but she doesn't collect it:
A small coup to help you avoid the 99% pit of annuity insurance.
1. What "pits" are hidden in the Pacific Dongfanghong Youth Wisdom Annuity Insurance?
The safeguard map of this product was compiled by Senior Sister herself. Let's see:
1, single payment cycle
Dongfanghong Youth Wisdom Annuity Insurance has no payment period and can only be paid annually.
What is barter? Is to pay all the premiums in one lump sum.
If you choose between wholesale and annual payment, it is more suitable for people with high income but large income fluctuations.
The reason is that the total premium to be paid will be more affordable than the annual payment, just like our house and mortgage loan will be paid in one lump sum.
If you can choose between batch payment and annual payment, then the insured can choose according to his own situation, which is very good for 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 to withdraw the annuity, you can put it in this account for compound interest and appreciation.
Moreover, the guaranteed interest rate of universal account is basically around 3%, and even better, it can be as high as 4%.
It is really beneficial to the insured, which is equivalent to another way of benefiting!
However, Dongfanghong Youth Wisdom Annuity Insurance has no universal account. In this case, the insured can only rely on the annual annuity, and there are very few ways to make a profit.
3. Uncertainty of dividend
Compared with other products, the biggest feature of Pacific Dongfanghong Youth Wisdom Annuity Insurance is the policy bonus, which is why most parents will want to know.
But dividends are related to the actual operating conditions of insurance companies. If the insurance company is not well managed, there is little chance of face-to-face dividend distribution.
And the insurance company will certainly not provide the actual operating profit of the consumer company.
Senior also found the terms of the Dongfanghong children's intellectual annuity insurance, which clearly stated:
In other words, dividends are uncertain, which may or may not exist;
At the same time, if there is a dividend, consumers will not know how to pay dividends when they get the dividend notice, only when they get it.
Therefore, if you want to get high profits from dividends, you can only say that you are too simple. I advise you to give up as soon as possible ~
The relevant content of dividend insurance can be found below, and friends who want to know can browse it:
"Why is the proportion of complaints about dividend insurance only high or not? 》
2. What is the income of Pacific Dongfanghong Youth Wisdom Annuity Insurance?
The 30-year-old Lao Wang wanted to insure his 0-year-old son, and chose the Pacific Dongfanghong Young Intellectuals Annuity Insurance, assuming that he would pay 654.38+million yuan every year in five years. And when I was 60 years old, I received a birthday bonus. Let's talk about its related benefits first:
Bonus: Beckham can receive 9% of the basic insurance amount every year in his life, that is, 53 10.9 yuan as a bonus. Children's education savings: she can get children's education savings at the age of 0- 18. The insured amount can receive 9% every year, that is, 53 10.9 yuan birthday bonus. Beckham will get a birthday bonus of 590,000 yuan on his 60th birthday. If you look at it this way, it feels ok. There are many ways to receive pensions, and it means that they can be received smoothly after the contract comes into effect, but the actual situation is somewhat different:
When Beckham 18 years old, the cumulative total return is less than half of the premium paid.
Children will spend a lot of money when they receive higher education in the future.
Insured the Dongfanghong junior intellectual annuity insurance, it can only be said that the income is not good, and there is no income effect at this stage!
And when Beckham was 55 years old, the accumulated annuity was 297,000+106,5438+00,000 = 398,000, which has not been returned yet!
The money has been invested, and the child has not returned to the original when he is ready to retire. Senior sister feels that the speed of returning to Beijing is not reliable!
Excellent annuity insurance in the market can be repaid within 10 years of the policy.
In contrast, Dongfanghong Youth Wisdom Annuity Insurance really has no advantage!
Parents who want to give their children Dongfanghong Youth Wisdom Annuity Insurance should consider it clearly and invest carefully!
Third, the summary of the senior sister
To sum up, Dongfanghong Youth Wisdom Annuity Insurance not only has many shortcomings, but also makes people very uninterested in its benefits!
In short, if a friend wants to buy this kind of annuity insurance, he must be careful!
There are also many excellent annuity insurance products on the market, and Senior Sister summarized these products. If you want to buy this product, you can have a look:
Love high-yield annuity insurance? Don't miss this 10 model! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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