Choose an annuity insurance, the head will be very big, and the different yields of products vary greatly. Some products get back 440 thousand after paying 400 thousand, and the annual yield is only1%; And some products can even achieve an annualized income of 8% after a certain year.
In order to help you choose which annuity insurance is worth starting with more intuitively, I have compiled a list: "Which of the top ten annuity insurances is worth buying?" "For your reference.
Then I will tell you two knowledge points about buying an annuity:
1. The first point is high income.
Not to mention why you want to buy annuity insurance. Since it is a wealth management product, you have to talk about the benefits. The income of annuity insurance comes from annuity account and universal account. Although the value-added process is very complicated, the final rate of return is reflected by calculating IRR. Through the income growth of 10 years or more, IRR can approach 4% of the products, which can be said to be excellent.
2. Cash flow should match the demand for capital use.
The biggest impact of annuity insurance is to change our cash flow, so you should pay attention to these four issues:
How much education fee can be refunded for children to study?
How much pension can I get back after retirement?
How much cash value can I return when I surrender when I need money badly?
How much money can I leave for my relatives after I die?
The working class has a limited budget, so it is enough to pay attention to one or two issues, such as pension, and how much this product can return after 60 years old.
Although the business owners have sufficient budget, they have higher requirements on the flexibility of funds, and they should also consider the cash value of the annuity and how much money they can return to their families after a hundred years.
In fact, annuity insurance has more pits than you think, even if its product form is very simple. Therefore, I specially evaluated the top ten high-yield products of annuity insurance: "Top ten high-yield annuity insurance markets this year! I hope it will help you.
The above is my opinion on Taikang Fortune Life D life annuity insurance. I bought 10000, and the annual dividend is only 58. It's really a lie. Dear friends, don't buy insurance in the future. All the answers, hope to adopt!