Therefore, predicting the future of endowment insurance, the mainstream product that will become the third pillar of endowment insurance will be annuity insurance.
No, Kangjun Life still pays attention to the aging of society, focuses on exploring the pension market, puts the interests and needs of customers first, and digs deep into demand.
Recently, Grand Hyatt life pension annuity insurance has appeared in everyone's sight. This insurance attracts people's attention with the characteristics of "safety and stability, contract embodiment" and "fixed payment and lifelong collection". So is this product really that good? Please look down!
Before seeing the answer, Grand Hyatt has a comparison table with other popular pension insurance on the market. You can look for it first and see what's special: "Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
1. Is the Grand Hyatt worth buying for a lifetime?
As usual, Senior Xue first presents the product analysis diagram of Jun yue life:
Senior's final conclusion is as follows:
1, Grand Hyatt's first collection was late.
Grand Hyatt's first insurance payment in life is the first policy anniversary after the age of 65. Compared with the products that can be received before the age of 60 in the market, Grand Hyatt will be slightly insufficient in this life.
Even if the current situation is to extend the retirement age, further, of course, the sooner you get it, the better!
Therefore, if you buy annuity insurance, you should read the terms carefully, otherwise you are likely to lose money.
No, this guide to avoiding annuity insurance pits has been sorted out. It was given to you by a caring senior. Please save it as soon as possible: "Learn this trick and stay away from the pit of 99% annuity insurance"
It will take a long time for the Grand Hyatt Hotel to resume its original life.
Whether it is annual payment or monthly payment, it is the way for Grand Hyatt to receive a pension for life. Through annual payment, assuming that the basic premium is 65,438+05,000 yuan, the payment period is 65,438+00 years, and the accumulated premium is 65,438+05,000 yuan, the insured can receive the pension according to the basic insurance amount.
Then, the senior takes a 30-year-old woman as an example. If you want to buy a Grand Hyatt for life, you have to wait 10 years, counting from the age of 65, and you will not get it until you are 75 years old ten years later. This time is a bit long!
Receive 16065 yuan every year, even for a lifetime!
After all, will the standard of living in decades be comparable to today's?
Therefore, Grand Hyatt's life is still not perfect! Everyone who is ready to start, senior sister feels that she must reconsider!
In this case, senior sister will not miss this opportunity to explore excellent annuity insurance for everyone. You can focus on Taikang Win Yue Life Annuity Insurance. Come and get to know your senior sister!
Second, if you want to live a good old age, this product is essential!
As usual, Xue Xuechang first presents the product diagram of Taikang Win Yue Life Insurance:
Why should senior sister recommend Taikang Win Yue life annuity insurance to everyone? The reason for this is the following：
1, annuity collection options are diverse.
Taikang Win Yue Life Annuity Insurance provides you with four ways to receive annuities, namely, departure insurance, survival insurance, birthday insurance and education care insurance. After the policy is paid for 6 years, you can get money for life from the sixth year, which means that the longer you live, the more annuities you can get!
Compared with Grand Hyatt who can only receive pension and death insurance in this life, Taikang has won more benefits in this life.
2. General account can be attached.
Taikang Yue Ying Life Insurance has set up a universal account, which is actually a member account set up by insurance companies for customers.
When you are insured for Taikang Win Life, and you are not in a hurry to use this money, you can put it into a universal account for secondary appreciation, which is very good!
What is the income of Taikang Win Yue Life Insurance? It is better to know more!
3. The income is considerable.
In order to let everyone have an intuitive understanding of the income, Senior Sister took Lao Wang, who is 30, as an example, and insured Taikang Win Yue, with an annual income of 65,438+10,000 yuan, and paid for 5 years. You can see the income intuitively through the following figure:
First of all, the special survival insurance can be collected in the sixth, seventh and eighth years after the policy comes into effect, and it will cost 75,000 yuan in three years.
Secondly, the survival insurance money is collected from the ninth year of the policy. Before the age of 60, you can get it at 20% of the insured amount every year, and you can get it at 7680 yuan. After the age of 60, you can receive 15360 yuan every year.
Finally, the birthday insurance is still alive at the age of 70-79, and will receive 500,000 after ten years.
Then, as can be seen from the benefit calculus diagram, Lao Wang can enjoy the benefits of 1220 120 yuan when he is 90 years old, accounting for more than half of the total premium.
Of course, if Lao Wang wants higher income, he can also choose to deposit his money in a universal account, so that he can appreciate it twice. This income is really excellent!
Finally, I will give you a benefit, which can deepen your understanding of Taikang Win Life Insurance: "Taikang Win Life Annuity Insurance has been launched heavily, and I am finally moved! 》
Third, the summary of the senior sister
Generally speaking, the guarantee responsibility of Grand Hyatt's life-long pension annuity is not very brilliant, the income is not considerable, and the speed of returning to the capital is slow. Compared with Taikang's winning longevity, it is slightly inferior!
It must be said that Taikang Win-Win Life Insurance has more types and quantities of annuities than Grand Hyatt Life Insurance, and its income is even better. Why not choose Taikang Win-Win Life Insurance?
Write it at the end
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