This insurance product is characterized by paying attention to protection in the early stage and seeing benefits in the later stage. Huaxia Insurance Fulinmen is an annuity insurance, and the principal cannot be returned when the payment is due. It will take at least several years to get the principal.

Annuity insurance is a relatively complicated insurance, which is equivalent to pension. Friends who want to know more can have a look: "Five functions of annuity insurance, don't say I didn't tell you! 》

Is it necessary to buy annuity insurance?

As a kind of financial insurance, annuity insurance mainly has four functions: providing for the aged, reserving children's education, allocating assets and inheriting wealth.

1, pension function

At present, many people begin to consider the issue of providing for the aged. Solving the problem of old-age care is nothing more than saving money and managing money, ensuring that you have sufficient cash reserves, buying annuity insurance and receiving pensions regularly and steadily, which can solve the problem of old-age care well.

2. Children's education reserve

The cost of education for children is high now. By purchasing annuity insurance, they can have a stable income after a certain period of time, and they can save a certain amount of cash flow and give it to their children at a specific time.

3. Asset allocation requirements

For the general public, in addition to the stock market, banks, Alipay and other platforms, annuity insurance has stable income and low risk, which can diversify investment risks to some extent.

4. Wealth inheritance needs

For many high-net-worth people, buying annuity insurance can plan the inheritance object of their wealth and isolate assets and debts.

Dad concluded that if you want this money to have a long-term, stable, safe and targeted use and a stable cash flow in the future, you can consider annuity insurance, lock in the lifelong interest rate, and just have a mechanism for compulsory savings.