What is annuity insurance

Annuity insurance means that the policyholder or the insured pays the insurance premium at one time or on time, and the insurer pays the insurance premium annually, semi-annually, quarterly or monthly on the condition of the insured's survival until the death of the insured or the expiration of the insurance contract. It is a type of life insurance that protects the insured to obtain financial benefits when he or she is old or incapacitated.

Annuity insurance is financial insurance, the real rate of return, generally 2% 4%, the rate of return is not as good as the deposit bank, and the liquidity of funds is poor. It is suitable for people who have compulsory savings and pension needs.

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Annuity insurance, also known as annuity insurance, or annuity, refers to a kind of insurance contract in which the policyholder or the insured pays the insurance premium at one time or on time, and the insurer pays the insurance premium annually, semi-annually, quarterly or monthly on the condition of the insured's survival until the death of the insured or the expiration of the insurance contract. To put it simply, it is to use a sum of money in the hand at present to exchange for a stable income in the future, and the biggest difference compared with other insurance is that the funds protected by annuity insurance are not personal life, which is more like an economic reserve than the protection. The advantage is that it can be held for a long time, paid stably, and is safe and reliable.

The protective role of annuity insurance: annuity insurance product information.

1. Protect your child's future.

If the parents are the policyholders and the children are the insured, when the children reach the specified age, the money can be withdrawn as the children's education funds, which can provide better educational resources for the children.

2. Protect your old age.

The insured pays the premiums on time, and the insured can start to receive the corresponding pension at the agreed time when he reaches the specified pension age until the insured dies or the contract expires. If you choose a long-term annuity insurance that can meet your needs, you can regularly obtain a considerable amount of annuity as a supplementary fund for your pension, so that the quality of our old age life will not be affected.

Annuity insurance means that the policyholder or the insured pays the insurance premium at one time or on time, and the insurer pays the insurance premium on an annual, semi-annual, quarterly or monthly basis on the condition of the insured's survival until the death of the insured or the expiration of the insurance contract.

To put it simply: you invest a sum of money in the insurance company, and the insurance company will send you a sum of money on a regular basis for a certain period of time in the future, which can be monthly, quarterly, semi-annually or annually.

Many people think that annuity insurance is "guaranteed, guaranteed and value-added", which is an excellent insurance product, but this is not the case

"Learn this trick and stay away from the pit of 99% of annuity insurance".

Moreover, annuity insurance is a product, which is said to be an insurance product, but it actually focuses on financial management, rather than protection, so it is suitable for a very limited number of people

1. People with a certain economic foundation

This group of people is relatively financially free, and the income channels will not be very simple, and the investment channels are relatively broad. At this time, you can buy annuity insurance to increase investment channels and diversify your income channels, and on the other hand, you can also lock this part of the property as a reserve fund.

2. Elderly people with stable income

The elderly here are those who are over 50 years old and have a certain income.

For example: Xiao Ming is 52 years old this year, he has some business outside the home, and his income is relatively considerable, and now he has bought all the insurance types that are suitable for him, and the bank has saved enough for his pension.

At this time, Xiao Ming can consider taking out some of the money to buy annuity insurance.

3. People who plan to leave a sum of money for their children

Nowadays, many parents will calculate the funds needed to raise a child, and some parents may save the funds that their children need in the future (such as the funds needed to buy a car and get married), but they don't want to squander them when their children are young, hoping that they can have the control of this money and give it to him when the child really needs it, then annuity insurance is a very good choice.

This kind of education annuity insurance has a special name - education gold, at present, this product is also relatively popular, you can take a look at some of the current popular education fund products, to prevent the future purchase of the pit:

"Evaluation of the 8 Education Funds with the Highest Yield in 2020! 》

Annuity insurance is a financial insurance that takes the survival of the insured as the condition of payment, and can pay an annuity on time at the time agreed in the contract. You can choose to receive money on a yearly, semi-annual and monthly basis.

What are the advantages and disadvantages of annuity insurance?

Poke the link and you'll know

It has many functions:

1. Long-term savings, steady appreciation.

Annuity insurance requires us to invest a sum of money in the early stage, and we can start to receive money at the agreed time, and the return time of annuity insurance is generally slow.

Therefore, before applying for annuity insurance, we need to make sure that we have a piece of idle money that we will not use for a long time.

2. Low risk principal and value preservation.

As a means of financial management, annuity insurance is written on the contract, and the security and stability are very high. Compared with high-risk financial management methods such as ** and **, the risk of annuity insurance is very low, but the return will not be very high. If you are a master of playing, you will naturally not be able to see this income, if you pursue steady appreciation, annuity insurance is still higher than the income of silver savings.

Annuity insurance refers to life insurance that takes the survival of the insured as the condition for the payment of insurance benefits, and pays the survival insurance benefits in installments according to the agreed time intervals.

The payment of survival pension is usually in the form of an annual cycle payment of a certain amount, so it is called annuity insurance.

To put it simply, you give a sum of money to the insurance company now, and after a certain period of time, the insurance company will return you a certain amount.

Annuity insurance is not necessary for everyone, and generally the following types of people can choose to buy annuity insurance:

1.Young people with retirement plans.

Although young people still have a long time to retire, they also need to plan in advance, especially those who hope that they can have a certain amount of living security in their later years, the sooner they plan, the better.

2.Parents who have long-term plans for their children.

Parents are very afraid that they will no longer be able to share the responsibilities of the family after they are old, and they will have no money to leave to their children, and parents with long-term plans will buy an annuity insurance for their children, which is equivalent to a guarantee for their children's future life.

3.People who have sufficient funds at the moment, but may face the risk of debt later.

Annuity insurance has the role of asset preservation and asset isolation, if there are excess assets now, most of them can be used to buy annuity insurance, even if it is a back liability, the money in the annuity insurance will not be forced to be used to repay debts.

Written at the end, perhaps, we always think that we are still young. But inevitably, we will eventually grow old.

No matter when we start planning for retirement, I believe it's the right time, and the sooner we prepare, the better.

Buy an annuity insurance to prepare a waiting expectation for your old self in the future.

Annuity insurance refers to the insurance that the insurance company pays the insurance money to the insured regularly and regularly within the agreed period in accordance with the amount and method agreed in the contract after the insured pays the premium regularly during the life of the insured.

Secondly, annuity insurance has strong security and high stability, and the income generated will not be affected by market changes.

Every time we talk about the topic of financial management, we will always show a strong interest, but as a financial novice, I don't know what is the difference between annuity insurance, **, and insurance? 3 minutes to take you to understand what annuity insurance is.

Friends who don't have a lot of budget, I advise you not to buy annuity insurance easily, because 80% of people have stepped on the pit, so why are rich people rushing to buy annuity insurance? What's so good about this kind of insurance?

Annuity insurance is an insurance product whose main purpose is to provide a policyholder with some income protection, especially if they lose their income** after retirement.

The principle of annuity insurance is similar to that of a savings plan, where the policyholder pays a certain premium, that is, buys a single or multi-year insurance, and the insurance company will pay a certain pension at the time of retirement or within the period specified in the contract.

Annuity insurance is called differently in different countries and regions, for example, in the United States and Europe, it is called pension insurance.

Annuity insurance can be divided into two types: fixed income and investment income. The guaranteed rate of return of fixed-income annuity insurance is not affected by market fluctuations, but the rate of return is generally low; On the other hand, investment income annuity insurance allows the policyholder to choose a portfolio, which has a higher rate of return, but also a greater risk.

Policyholders need to make a choice based on their own risk tolerance, return expectations, asset size and other factors.

Secondly, you can diversify the risk by purchasing annuity insurance, save money for a long time, and realize the increase of pension.

At the same time, annuity insurance also has some shortcomings, such as low guaranteed yield, poor asset liquidity, and long premium payment period.

In short, annuity insurance is an insurance product designed to provide old-age protection for policyholders. The policyholder needs to choose according to his actual situation, and carefully understand the relevant content before the purchase, and conduct sufficient risk assessment and capital planning.

The above is daddy's, if you don't understand something, please send a private message to praise chaos.

Annuity insurance is a kind of property insurance in commercial insurance, and it is also a kind of survival insurance. After the premium is paid within a specific period of time, the insurance premium is paid on an annual, monthly, quarterly or monthly basis based on the living conditions of the insured.

How to choose annuity insurance? Product review here! What are the better annuity insurance products? Annuity insurance comparison is coming".

Answer: Annuity insurance refers to life insurance that takes the survival of the insured as the condition for the payment of insurance benefits, and pays the survival insurance benefits in installments at agreed intervals. It is usually used to pay a certain amount of money on an annual cycle, so it is called annuity insurance. When an insured customer buys an annuity, the insurance company provides the customer with a certain amount of asset return protection.

Of course, the content of the benefit depends on the type of annuity purchased by the policyholder.

The growth of a family is like a boat sailing on the sea. The guarantee of safety and stability is the first, and only by doing a good job can we move forward at a higher speed. Annuity insurance can be used as a "lifebuoy" in family wealth allocation, helping us share the risk of future certainty and reduce the burden of future education and pension.

Classification of annuity insurance 1, life annuity insurance 2, term annuity insurance 3, individual annuity insurance 4, joint annuity insurance of this type.

Annuity insurance means that during the life of the insured, after the premium is paid, the insurer pays annuity regularly on an annuity cycle of years, six months or months until the expiration of the insurance contract, the death of the insured or the age of 100 of the insured.

Annuity insurance is generally divided into education annuity insurance and pension insurance according to different protection purposes.

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How do ordinary families choose annuity insurance?

1. The premise is that the basic guarantee is complete

Health is 1, and others are the following 0, so when allocating annuity insurance, the average family should take the basic protection such as accident insurance, medical insurance, and critical illness insurance as the premise. The basic security must be guaranteed first, so as to better meet the needs of education and pension. In this way, insurance can play a more comprehensive and effective role.

2. Long payment period

The overall economy of the general family is a well-off level, more than the upper than the bottom, if the one-time complete children's education annuity insurance, adult pension insurance, the pressure is relatively large. However, these two types of annuity insurance also have an important role in special periods. It is recommended to extend the payment period, so that not only education and pension security are taken into account, but also reduce the pressure of payment.

3. Plan ahead

Planning ahead is an important help in planning a lot of things. A good start is half the battle. The earlier you buy, the longer the payment period, the lower the cost you need to pay, and the pressure is relatively low.

Therefore, if family conditions allow, it is more appropriate to plan early and participate early.

Other insurance questions can be consulted.

Comfortable life B annuity, taking over the star product.

Annuity insurance. It refers to the insurance in which the policyholder or the insured pays the insurance premium at one time or on a regular basis, and the insurer pays the insurance money annually, semi-annually, quarterly or monthly on the condition of the insured's survival until the death of the insured or the expiration of the insurance contract.

Personal commercial endowment insurance.

It is mainly a traditional pension insurance with a fixed interest rate.

According to the CIRC.

stipulates that the current predetermined interest rate is up to. Dividend-paying pension insurance, that is, the amount of pension insurance and the investment income of the insurance company.

There is a certain relationship. The dividend-paying endowment insurance allows the policyholder to choose the dividend distribution method independently and share the company's operating results, which is a benefit that cannot be enjoyed in the traditional endowment insurance. When interest rates are raised, insurance companies' investment income increases, and dividends naturally rise with the tide.

Personal pension is more suitable for people who have a stable job and continuous income and do not want the quality of life to decline in their later years. The best time to buy is between the ages of 25 and 45, when income and career are steadily rising. However, according to the actual situation, this group generally works at a fast pace, and bears the pressure of raising children, supporting the elderly, providing housing and cars, etc., and it is easy to ignore their own pension needs.

The terms of the annuity insurance are as follows:

1. How to receive it. Commercial pension insurance.

There are three ways: fixed, timed and one-time collar. A single payment is when the insured takes all the pensions at the agreed time.

The way to take it all at once; The method of receiving the fixed amount is to determine the amount of the amount per unit of time; Timing means that the insured determines the amount of the insurance money according to the total amount of insurance money when the insured agrees to receive it;

2. Pick-up time. The starting time of commercial pension insurance is generally concentrated in the four age groups of 50 years old, 55 years old, 60 years old and 65 years old;

3. Insurance period. At present, there are two types of commercial pension insurance products on the market: fixed and lifetime;

4. Term products can be insured until the age of 80 or even 88 years old, and lifelong products can be insured until the death of the insured;

5. Guaranteed collection. In order to avoid the loss of pension due to the short life of the insured, many pension insurance companies promise a guaranteed period of 10 or 20 years.