1. What is the income of Xinxibao Annuity Insurance?
Without further ado, let's take a look at the guarantee content of Xinxibao Annuity Insurance:
At first glance, Xinxibao Annuity Insurance covers a wide range of coverage, including survival annuity+special care fund+nursing fund+death insurance, and can also be accompanied by serious illness insurance and universal account, which is called universal insurance by others.
However, everyone still focuses on the income of Xinxibao Annuity Insurance. Let's have a look.
If the 30-year-old Lao Wang has bought Xinxibao annuity insurance, the first year premium is 50 thousand, divided into ten years, and the internal rate of return is deduced.
On the surface, you can get 50,000 yuan at the age of 35, 25,000 yuan every year after 35, or even 25,000 yuan +2 19250 yuan at the end of 20 years, which is quite a lot.
After Xinxibao Annuity Insurance expires, the irr is only 2.87%. Generally, the irr of excellent wealth management insurance will be above 3.5% under the same conditions, but the income of Xinxibao annuity insurance is not very prominent. You can look at this article compiled by your senior sister, and you will know what excellent financial insurance there are: "This 10 must not be missed, and you must see it when you buy high-yield financial insurance! 》
Of course, some small partners will say that the salesman said that the main insurance income is not high, but this kind of universal account income that can be attached is the best, and the income is as high as 5%. But in fact, it's not that beautiful ... Let's take a look at the universal account of Xinxibao:
Xinxibao Annuity Insurance has two universal accounts. The difference lies in the deduction ratio of initial expenses and the setting of death insurance benefits, as well as whether to collect risk protection fees and apply for annuities.
Universal account needs to deduct a lot of expenses from the survival fund, which is also the reason why many people don't like it. Let's take Lao Wang for example. If Lao Wang chooses to add Xinyuan Pernod Universal Account when purchasing this insurance product, Lao Wang's first survival fund will be transferred to his universal account, and the initial cost 1% will be deducted first, which means that the income has not yet started.
After that, the risk protection fee will be deducted again every year. This risk protection fee is really outrageous, and it will increase with age. Assuming that the risk coverage is100000, the 40-year-old male will be deducted 165 yuan, and the 50-year-old male will be deducted 425 yuan. How much income can be deducted like this every year?
If you don't want to continue this universal account and want to get your money back in the future, it will be completely free after the sixth year of the policy year, otherwise you will be charged a 5% refund premium for the first year of the policy.
Therefore, there are a lot of tricks in this universal account, and the senior sister can't tell it all. If a small partner is curious about the tricks hidden in the universal insurance account, you can read this content: "How to understand universal insurance, is universal insurance really so easy to use?" 》
Second, the insurance value of Xinxibao Annuity is not worth recommending to buy.
According to my senior sister's understanding of Xinxibao annuity insurance, most people should understand that Xinxibao annuity insurance is really not ideal in terms of income, and the universal account is not that simple. In order to prevent stepping on the pit, senior sister still advises you not to buy it ~
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