47 years old, female, is it cost effective to buy Chinese Shou Xin Fu Nian Nian

Xinfu Nian Nian is an annuity insurance, under the banner of Chinese Life. I have reviewed this product before, and the specific evaluation content can be found in this article:In-Depth Evaluation|Xinfu Nian Annuity Insurance Product Revealed".

Xinfu annuity is composed of "Xinfu annuity", "Xinfu annuity insurance" two parts, in addition to the universal account, more specific insurance liability, we can look at the product form diagram:

When we choose an annuity insurance, the most important thing is the interest rate of this product.

Due to the choice of the payment period and the age at which the birthday payment begins to be paid, the final interest rate result will changeSo let's take the sum insured of 10,000 yuan, 60 years old and 75 years old to receive life money as an example for interest rate calculation:

According to the calculation results of the interest rate in **, we can see:The older the age at which the pension starts to be received and the shorter the payment period, the higher the interest rate. This is just an example of 10,000 sum insured, if you want to get a higher income, then you have to buy more.

As a result, Xinfu's interest rate is actually relatively average. Since the current predetermined interest rate of annuity insurance is the highest, compared with the two, Xinfu is actually considered to be medium to low. I have selected the most suitable high-interest annuity insurance on the market

"Top 10 Annuity Insurance Points Worth Buying! 》

There are some shortcomings of annuity insurance, and Xinfu is also annuity insurance every year, and these shortcomings also exist. If you want to avoid stepping on the pit of annuity insurance, you need to make up for it before buying"Learn this trick and stay away from the pit of 99% of annuity insurance".Hope!

It's a good deal, you pay for five years, and you can receive the principal at the age of 55! You can get it later! And now that the bank interest rate has been lowered, Xinfu will definitely let you have a good income every year

Of course it's a good deal. At the age of 60, you can receive the principal, and you can continue to receive the money later.

There is no cost-effective insurance or not, insurance is important.

Hello, I suggest you buy our United Life Fortune Treasure, there are dividends every year before the age of 65, the reverse principal at the age of 65, and the dividends after the age of 65, until the age of 90. For details, you can add QQ

Insurance is about keeping what you have and creating what you want.

Buy insurance, depending on whether you understand the meaning of insurance, there is no cost-effective.

Quota sales, hurry up! Add it and send it to you.

You can come to our company to see, we have a saying in the insurance industry: buy life if you buy big, buy Ping An if you buy good, and buy Taikang if you buy affordable. You can come to our company to find out.

Chinese life Xinfu annuity insurance is still good, and reliable, Xinfu annual return is very fast, the policy takes effect 10 days immediately return 12% of the initial premium, and from the second year to 79 years old, return 15% of the basic sum insured every year, and many annuity insurance generally if you choose to receive a one-time return of premiums when due, you can no longer receive money, but Xinfu can specify the return age (as fast as 55 years old) according to demand, return the full premium at one time, and continue to receive annuity after returning the principal. If the survival bonus is not received, you can enter the diamond Xin account for two value-added, daily interest and monthly compound interest, compound interest 12 times a year, the current monthly interest of the Xin account is, really high.

Hello. Chinese Life Insurance Xinfu is good every year.

Chinese Life's Xinfu Nian Nian is an annuity insurance, with the characteristics of fast return, stable customer interests, etc., okay, but the interest rate of Xin Fu Nian Nian does not have a very prominent advantage.

[Compare hearts].

Xinfu returns quickly every year, 12% of the initial premium will be returned immediately after the policy takes effect for 10 days, and from the second year to the age of 79, 15% of the basic sum insured will be returned every year, and many annuity insurance generally if you choose to receive a one-time return of premiums at the end of the year, you will not be able to receive money again, but Xinfu can specify the return age (as fast as 55 years old) according to your needs, return the full premium at one time, and continue to receive annuity after returning the principal. If the survival bonus is not received, you can enter the diamond Xin account for the second value-added, daily interest and monthly compound interest, compound interest 12 times a year, the current Xin account monthly interest is, really high.

What are the benefits of Chinese Shou Xin Fu Nian Annuity Insurance:

1. Annuity. 12% of the premium paid in the first year, and 15% of the basic sum assured every year from the next year to the end of the insurance period, i.e. 13386 12% + 10000 15% 35=RMB.

2. Pension pension.

Fortunately, you can receive 15% of the basic sum insured every year, as long as you can receive it after the date of receipt and before the age of 80, and the date of receipt is 60 years old, that is, 60-79 years old to receive pension: 10,000 15% 20 = 30,000 yuan.

3. Birthday money.

The premium paid can be received on the pension receiving day, that is, 13386 5 = 66930 yuan.

4. Maturity payment.

At the age of 80, you will receive the basic sum insured, that is, a maturity payment of 10,000 yuan. After deducting the premiums paid, the final net income is 10,000 yuan.

Advantages of Chinese Shou Xin Fu Nian Annuity Insurance:

The return of money is fast, and the fixed income is guaranteed.

Xinfu can return 12% of the premium every year, this extremely fast speed is already very good, you must know that there are many products on the market that give consumers money back services after ten years. Not only that, assuming that 15% of the sum insured can be returned every year, then everyone must apply for this product before the age of 79. Many annuity insurance will not return any fees after the paid premium is paid at one time, but it is really full of sincerity, and it can continue to return the annuity after returning the principal.

OK. Xinfu Nian Nian "product form:

Insurance age: 0-65 years old, to meet the needs of all age levels.

How do Chinese Shou Xin Fu be guaranteed every year?

Payment period: 3 years, 5 years, 10 years; Invest regularly and benefit in the long run.

How long does Chinese Shou Xin Fu keep it every year?

Insurance Period: Lifetime Financial Management.

What does the Chinese Shou Xin Fu keep every year?

First, the fixed income is high.

Instant Payment: 12% of the initial premium will be refunded immediately after 10 days of policy validity

Fixed annual payment: From the second year to the age of 79, 15% of the basic sum assured will be refunded every year

Quick return to capital: You can specify the return age (as fast as 55 years old) according to your needs, return the full amount of the premium at one time, and continue to receive the annuity after the return of the principal, and return the principal and return the income!

Men can specify an age of one year.

Females can specify age and 75 years of age.

Happy Birthday Celebration: 100% of the sum insured will be refunded at the age of 80.

2. Death benefit.

Inheritance of Death Benefit Assets: Return to Jane Wang and repay the premiums paid.

High Accidental Death Benefit: Long-term accidents (general, passenger, self-driving, natural disasters, aviation) can be added, and targeted high benefits can be added.

3. Diamond Xin account clever financial management:

Only up but not down high settlement: all rebates can enter the diamond Xin account to enjoy lifelong secondary value-added, daily interest and monthly compound interest, compound interest 12 times a year, under the guarantee (the guaranteed annualized is not capped (the official interest rate announced in September.

Flexible withdrawal can be added: Diamond Xin account account value withdrawal is flexible, you can get it if you want to use it! Additional investment can also be added to easily meet the needs of Lingxiao at all stages of life!

Insurance case: Mr. Wang is 30 years old, insured Xinfu every year, pays 146,880 yuan per year, pays for 5 years, has an insurance amount of 100,000 yuan, and chooses to receive a pension at the age of 60.

Insurance benefits: 17,626 yuan (12% of the initial premium) when the policy is effective.

31-79 years old annual return of 15,000 yuan (15% of the sum insured).

At the age of 60, a one-time refund of 734,400 yuan (full premium) will be returned.

At the age of 80, a one-time return of 100,000 yuan (100% of the sum insured) will be returned.

The above return enters the Xin account (diamond version) for the second value-added:

At the age of 65, the median account value is assumed: 10,000.

At the age of 75, the median account value is assumed: 10,000.

At the age of 85, it is assumed that the median account value: 10,000.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Xinfu Annuity Insurance is an insurance product of Chinese Life. If you have anything to know about this annuity insurance of Xinfu Niannian, maybe this article has what you want: Is Chinese life good? What insurance is recommended?

The interest rate value of annuity insurance is usually the most important place for us to choose an annuity insurance.

Since the interest rate result is affected by the payment period and the age at which the life allowance begins, I have calculated the interest rate by taking the sum insured of 10,000 yuan, 60 years old and 75 years old to receive the life allowance as an example

As shown in the figure, the final interest rate result in ** shows such a rule: the older the age at which the birthday pension begins to receive and the shorter the payment period, the higher the interest rate. This is an interest rate calculation based on 10,000 sum insured, if you pursue higher returns, you can buy more sum insured.

Xinfu Annuity Insurance is an insurance product of Chinese Life.

If you need more in-depth answers, you can click on the link below to receive an exclusive service.

Xinfu Annuity is composed of two parts: "Xinfu Annuity" and "Xinfu Annuity Insurance", in addition to attaching a universal account, the interest rate value of annuity insurance is usually the most important place for us to choose an annuity insurance.

Xinfu is annuity insurance every year, so some shortcomings common to annuity insurance are inevitable to exist. There are many pitfalls and routines to know in advance when buying annuity insurance.

Question: Can this insurance be reversed?

During the insurance period of this contract, the company shall bear the following insurance liabilities:

From the effective date of this contract to the corresponding date of the annual effective date of the expiration of the insurance period of this contract, if the insured survives to the corresponding date of the annual effective date of this contract, the company shall pay the annuity every year according to the following agreements: the annuity paid for the first time shall be 12% of the insurance premium paid for the first time in this contract and the annual pension insurance contract of China Life Xinfu, and the annuity shall be paid annuity at 15% of the basic insurance amount of this contract every year thereafter.

If the insured survives to the effective date of the year after the expiration of the insurance period of this contract, this contract is terminated, and the company shall pay the maturity insurance premium according to the insurance premium (excluding interest) paid under this contract.

2.The cash value of this contract. \

It is recommended that you take a look at the insurance wording.

The terms and conditions in the insurance contract shall prevail.

There is basically no risk in buying Chinese Shou Xinfu every year.

Xinfu Nian Nian is an annuity product, the income of this type of insurance can be calculated, and how much annuity can be received is written into the terms of the contract.

Let's take a look at the product guarantee chart first:

Xinfu Nian Nian is an endowment annuity insurance product, including pension, life expectancy, maturity insurance and death insurance.

It is worth mentioning that there are more options for the starting age of annuity receipt for this product, and men can choose from it.

Six. Ten, sixty.

50, 70 and 75 years old, female.

Five. Ten. Five, sixty, six.

Ten. 5, 70 and 75 years old.

You can choose the right starting age according to your actual retirement age.

Space is limited, the detailed content of this product is put here: Chinese life [Xinfu year] high income? It's clear to you!

Finally, I would like to remind everyone that annuity insurance products are not simple, and friends who don't want to fall into the pit must read this article: [link]{Learn this trick and stay away from 99% of the pit of annuity insurance.}