First, these annuity insurances deserve our attention.
1. If the pursuit of stable high returns: monopoly annuity insurance.
Although the monopoly returns are slow in the early stage, compared with the universal account annuity insurance, the monopoly annuity insurance has relatively high and stable returns in the later stage.
It is more suitable for people with long-term pension planning.
2, if the pursuit of quick returns: more annual insurance.
Dad mentioned above that diamond is a kind of quick return annuity insurance, and the income is relatively high.
If you want to get money in a short time, you can consider this product.
Moreover, you can attach a universal account with a guaranteed rate of return of 3%. According to the mid-range interest rate, the 20-year yield can reach 4. 17%, and the later value-added will be faster and faster.
3. Fund flexibility: China-Korea Life Insurance enjoys the future and monopolizes annuity insurance.
Because monopoly annuity insurance and Sino-Korean Yue futures have the function of reducing insurance, the flexibility of capital utilization is greatly increased.
Consumers can decide to invest their money in other investment channels or enjoy the future according to the advantages and disadvantages of the investment environment.
4. Enjoy quick profits: the merchants and Zhao Ying Jinsheng, Huaxia Insurance Huaxia Hong.
The actual settlement interest rates of universal accounts currently matched by these two products are 5% and 6% respectively.
After purchasing the product, you can directly invest in the universal account and enjoy the current settlement interest rate.
Second, summary
Everyone will get old, which is inevitable, but we can seize the opportunity now and prepare for the future.