Xintai Insurance is a regular insurance company with reliable products. However, unlike banks' financial management methods, insurance companies do not provide time deposit services at present, and the products on sale mainly include critical illness insurance, medical insurance, endowment insurance, whole life insurance, annuity insurance and so on. The subject should be talking about a certain whole life insurance/annuity insurance or a five-year endowment assurance product that supports premium payment for five years. Generally speaking, if you want to withdraw it after two years, you can only get the cash value of the policy by surrendering it, but the cash value obtained at this time generally does not exceed the premium paid. If you have the idea of surrendering, you'd better read this article first: What details should you pay attention to when surrendering?

Maybe some friends don't know much about financial insurance such as whole life insurance and annuity insurance. In fact, compared with stocks and funds, the most prominent advantages of these two types of insurance are stable income and high security. Financial managers who insure these products are generally pursuing long-term benefits, so senior sisters do not recommend that the main body take them out after two years of insurance. What is the insured product? Is it reliable? Does not depend on the speed of the return of cash value. If you want to buy reliable products, you have to apply for insurance through formal channels (insurance companies/qualified insurance brokerage companies), and everything needs to be performed in accordance with the contract. What do you think of this contract? People in the industry give you advice:

Teach you to identify those pits in the insurance contract!

Take Xintai Ruyi's permanent pension annuity insurance as an example. This product can be guaranteed for 25 years. Suppose a 25-year-old woman insured this product for herself, and agreed with the insurance company to receive an annual pension from the age of 55, choose a five-year payment period, and pay a premium of 50,000 yuan per year. By the end of the sixth policy year, the cash value was RMB 254,966.5, which exceeded the premium paid. The current price has a return for five or six years, which is relatively rare in the annuity insurance market. At present, the price return of similar products is generally not so fast. Curious about what high-yield annuity insurance is currently available? Let's take a look at this list: Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again!

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