Senior friends also brush this in the circle of friends. There is more than one god in the advertisement of friends circle:
Pay for three years and you can receive it for life; Three accounts, guaranteed under the second appreciation, not capped. ..
This makes people curious. Is this product really that good?
Senior, I have to tell you, because annuity insurance belongs to the kind of insurance that is likely to step on the pit, so before you buy it, you must first browse these ways to avoid the pit:
It is very easy to master this trick and avoid the 99% bright spot of annuity insurance.
1. How about Taiping Fortune Anying Annuity Insurance?
The first step analysis, let's briefly understand the protection content of Taiping Wealth Anying Annuity Insurance:
As can be seen from the figure, Fortune Anying Annuity Insurance can be regarded as a short-term annuity insurance with a guarantee period of 15 years.
Goose, seriously, there are obviously many problems with this product, but you haven't noticed:
1, Taiping Wealth Anying Annuity Insurance has poor death protection.
If you die within the protection period, Fortune Anying Annuity Insurance only compensates the premium paid. To put it bluntly, the significance of death protection in wealth annuity insurance is gone!
However, there are actually quite a lot of annuity insurance on the market, all of which stipulate the guarantee period. Despite our unfortunate death, we are satisfied with the benefits we have achieved.
In this way, Taiping Wealth Anying Annuity Insurance is like this.
2. The payment method of Taiping Wealth Anying Annuity Insurance is single.
As a short-term annuity insurance, Fortune Anying Annuity Insurance only has two payment methods: 3 years and 5 years, and does not provide batch payment methods (that is, all of them are paid in one lump sum).
In other words, some small partners have a lot of income but are not stable enough. Don't try to use wholesale payment. It is also impossible to plan future cash flows in this way.
The design of this kind of financial annuity insurance is obviously not very thoughtful.
Of course, some people will be more concerned about how much income it has than the protection of wealth insurance. Then next, I will take you to analyze the specific benefits of Wealth Anying Annuity Insurance!
Second, is the income of Taiping Wealth Anying Annuity Insurance high? Here's an example:
Lao Wang was 30 years old when he invested in Taiping Wealth Anying Annuity Insurance, and paid 65,438+0,000 yuan every year for five years. You can look at the specific cash inflows:
Don't worry, we can use its IRR to judge the income of Taiping Wealth Anying Annuity Insurance, and we can conclude that the actual annualized rate of return of Taiping Wealth Anying Annuity Insurance is not very high, only 2.47%.
This level of income, if not unexpected, seems to be only higher than the balance of Alipay Bora.
What makes everyone feel speechless is that it is not impossible for Taiping Fortune Anying Annuity Insurance to "lead a lifetime". It needs: the wealth series universal account is added to it.
What effective results can universal accounts have? Briefly, after most people get their own income, if there is no good investment channel, they can put the insurance money into the universal account again for investment and get another growth.
Because the instability of income is the reason for the instability of universal account, this will design a guaranteed income.
The guaranteed income of Fu Gui series universal accounts is designed to be 2.5%, but many universal accounts in the market have guaranteed income of 3%. The following information shows that many universal accounts have a guaranteed rate of return of 3%:
Ten universal insurance stocks worth buying!
In contrast, the wealth series universal account can only be considered as average.
Then, on the premise of ensuring the interest rate, in order to make everyone understand, the insurance company showed three income levels of the universal account: low-grade income, middle-grade income and high-grade income.
However, we should know that the demonstration of universal account can only be used as reference materials, and the final income still depends on the settlement interest rate of its products. The settlement interest rate of universal account fluctuates every month.
In other words, even if the settlement interest rate of this universal account is very high now, there is no guarantee that the settlement interest rate of this universal account will remain at a high level in the next few years or even more than ten years.
Therefore, Senior Sister has repeatedly stressed that universal accounts should buy high guaranteed interest rates. To achieve stable and long-term value-added, we must first ensure our own wealth. Seeing this, I believe everyone already knows whether to buy Taiping Wealth Anying Annuity Insurance?
Obviously, the yield of Taiping Fortune Anying Annuity Insurance is only 2.47% without attaching a universal account, which is relatively low compared with similar products.
Also, although it is an additional universal account, the universal account with little guaranteed income is outside the ranks of excellent universal accounts.
Therefore, friends who are still hesitating may wish to compare several similar products before deciding to buy. After all, there are many wealth management insurances that are better than the An Win Annuity Insurance of Taiping Wealth:
Want to buy high-yield financial insurance? Don't miss this 10 model again!
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