Is the Fumanman Pension annuity insurance worth buying?

Method 1: Check whether the policy value of the product is high

The essence of the policy value of annuity insurance is the total survival rights that can be obtained in a certain link as a whole. How much it costs, the greater the value of the policy, the higher the IRR value. Endowment insurance in insurance financing is similar to pension annuity insurance in that it locks in profits early, but the maximum IRR value hovers at 3.5%.

To see if our pension annuity insurance is worth buying, it is very important that both the IRR value and the policy value are high. Take our pension annuity insurance product as an example: 30 An adult male aged 60 years old pays 100,000 yuan every year for 10 years. If he chooses to receive it at the age of 60, the capital is 1 million, but the specific details are as follows:

1. Receive every year after the age of 60: 140,000/year, as a pension supplement, life in old age is very good;

2. Policy value obtained:

(1) Surrender at the age of 70: the total surviving rights are 1,540,000 yuan;

(2) If the insurance is withdrawn at the age of 80: the total surviving interest is 3,220,000 yuan;

(3) The insurance is withdrawn at the age of 85: the total surviving interest is 3.920,000 yuan;

3. IRR value: 3.464%, 3.819%, and 4.009% for the three age groups respectively;

It is not difficult to see that the rate of return and IRR value of fixed whole-life terminal life insurance are higher than Higher.

Method 2: See if high-end communities are considerate

For high-end senior living communities, they integrate tourism, entertainment, social media, recreation, and special food. Therefore, whether a high-end community is considerate depends on whether it has such factors. This is a plus point. Moreover, many high-end retirement communities have very high thresholds, requiring a total insurance fee of 2 million to develop, which is simply unaffordable for the general population. To see if the pension annuity insurance offered by Everyone’s Pension is worth buying, you still have to take the pension annuity insurance product offered by Everyone’s Pension as an example:

This high-end community is very considerate! It is specifically reflected in three aspects:

1. In terms of natural environment: it has been implemented in Haitang Bay in Sanya, Beidaihe in Qinhuangdao, Furong Valley in Huangshan Mountain, Huangniling in Hangzhou, etc., to achieve summer respite and warmth. Requirements for elderly care products preferred by the elderly population such as winter, island tourism, and health care;

2. In terms of insurance premiums: extremely low, with a minimum threshold total premium of 250,000, and benefits include the right to move into a residential living and recreation community and Preferential right to move in;

3. Qualifications of move-in personnel: not only the insured himself, but also the insured’s immediate family members, children, the insured’s parents, the insured’s spouse and parents can move in.

This concludes the analysis on whether the pension annuity insurance for everyone is worth buying. Generally speaking, this product has a low cost of insurance, and you can insure it for as little as 2,000 yuan. , and the policy value and IRR value are relatively appropriate, and the high-end community is considerate. It is a product with very obvious content validity in the sales market. How about Guardian 5’s multiple-payment critical illness insurance?

Method 1: Check the product to make sure

Among the critical illness insurance products, only 28 critical illnesses and 3 minor illnesses are covered by the mandatory requirements of the new critical illness regulations. Other types of diseases and insurance terms will be defined by the insurance company. For us, the more comprehensive the coverage of critical illness insurance, the better. In addition to mild illness, moderate illness, and critical illness coverage, it is best to also provide supplementary coverage. Let’s take Guardian No. 5’s multiple payment of critical illness insurance as an example:

1. Types of diseases: including 120 kinds of serious diseases, 35 kinds of moderate diseases, and 40 kinds of mild diseases. There are many types of diseases, and Multiple diseases cover all aspects.

2. Frequency of compensation: This product’s critical illness, moderate illness, and mild illness share the frequency of payment, and can be compensated for up to 6 times. In this way, after the critical illness compensation occurs, the compensation for mild illness and moderate illness will Make sure it's still reasonable. Among them, at least 1 compensation will be paid for serious illness, and 5 compensations will be paid for mild and moderate illness at most.

3. Compensation ratio: 100% of the insurance amount will be paid for the first diagnosis of critical illness, and will be increased by 20% each time thereafter, 60% will be paid each time for moderate illness, and 30% will be paid each time for minor illness. Special mental capillary secondary compensation can compensate 120% of the insured amount. In addition, this product can choose a critical illness surcharge. If a critical illness is diagnosed before the age of 60, an additional 60% of the insured amount can be paid.

Method 2: Check whether the selling points of the product are obvious

When buying critical illness insurance, you not only need to check the product to ensure that the specific content is comprehensive, but also pay attention to the selling points of the product. There is market content validity. To look at the highlights of critical illness insurance, you can pay close attention to aspects such as guaranteed features and high product cost-effectiveness. Let’s take the Guardian No. 5 multiple-time compensation critical illness insurance as an example:

1. The disease compensation is effective. Mild, moderate and severe diseases share the frequency of compensation, which is beneficial to multiple-time compensation.

2. You can choose multiple critical illness supplementary benefits, including tumor-moderate and severe diagnosis and treatment subsidies and special cardiovascular and cerebrovascular disease protection funds, and you can also choose critical illness supplementary compensation obligations.