If you want to know about annuity insurance products, you should start with the most basic types of insurance. Many people have begun to struggle with a product before they know what annuity insurance is, and it is difficult to buy a good product.
Let's analyze annuity insurance in three points:
(1) What is annuity insurance?
Annuity insurance needs to pay a certain premium first, and you can get the money from the insurance company at the appointed time. Education and pension in annuity insurance are more concerned.
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Pensions, also known as pensions, can receive pensions from insurance companies in each period after the agreed number of years to provide protection for the needs of the elderly after retirement.
(2) Types of annuity insurance
Annuity insurance is divided into traditional annuity insurance, dividend annuity insurance, universal annuity insurance and investment-linked insurance.
(3) How to choose annuity insurance
First of all, we must understand the pit prevention strategy: "Learn this trick and stay away from the pit of 99% annuity insurance."
Secondly, we must consider the following points:
1. Look at the internal rate of return
Buying annuity insurance mainly depends on the rate of return. A relatively simple method is to list the annual premium and the amount of annuity that can be received in the future, and combine them into a long-term cash flow. According to the formula, IRR (real rate of return) can be calculated.
2. Look at the cash value
The income trend of annuity insurance is completely different, and there is annuity insurance with fast cash return; Some annuities suitable for providing for the aged are slow to return to their original funds and receive more annuities at maturity.
If you are worried about the need of future capital turnover, you may choose to surrender, so it is recommended to choose cash value to return to the principal quickly. If there is only a demand for old-age care, it is more appropriate to choose products with slow early returns.
3. Look at the predetermined interest rate
The rate of return is high, and the predetermined interest rate is the key. The lower the predetermined interest rate, the lower the return rate of annuity insurance. Now the CBRC has begun to stipulate that the predetermined interest rate cannot exceed 3.5%, which is the upper limit, and how much needs to be calculated.
Hope to adopt!
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Source: Xueba said that insurance official website