Whether to plan for financial annuity insurance, whether to choose long term or short term

Wealth annuity insurance must be planned and planned according to personal needs.

In fact, the choice of long-term annuity insurance or short-term annuity insurance mainly depends on the needs of consumers, if it is used for short-term investment, buy short-term, if it is used for long-term investment such as pension, choose to buy long-term.

Annuity insurance means that the policyholder or the insured pays a one-time or regular premium, and the insurance company 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, annuity insurance means that the insured deposits the money in the insurance company, and at the appointed time, the insurance company will return the money to the insured. Therefore, some annuity insurance has a long investment cycle and often needs to accumulate for a long time to obtain high returns, and short-term returns are not high.

What are some good products?

Short-term annuity insurance can achieve rapid value-added, and long-term annuity insurance can also be worth the price. Therefore, it is important to choose a good annuity insurance product. Here are ten recommended high-yield annuity insurance products, interested partners can take a look:

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The prerequisites for the planning of the financial management type of annuity insurance are:

It has been fully and thoroughly established to provide an individual or family protection foundation.

On this basis, financial annuity insurance can be discussed to address education or pension funds, or other family financial purposes (asset preservation, professional wealth, etc.).

In general, the planning of wealth management type annuity insurance:

The payment period should be as short as possible, and the holding period should be as long as possible in order to maximize the relative interest.

Of course, the specific planning depends on the actual situation and needs of the customer.

If you have any questions, you can send a private message.

Whether it's cost-effective or not depends on who buys it, annuity insurance is not suitable for everyone, if the budget is limited, critical illness medical treatment + accident is the top priority; If the economic conditions are relatively wealthy and there is more spare money in hand, annuity insurance is indeed a good choice.

Suitable for people who buy annuity insurance:

1.Young people with retirement planning.

Pension is not a problem that needs to be considered only when you are old, and you can plan early when you are young to have enough time to accumulate wealth. To sum up, people who have surplus money in the middle of the ordinary struggle can consider buying annuity insurance.

2.The middle class with a better quality of life.

For the middle class, which is relatively financially free, such people generally do not have a single income channel and have various investment methods. Therefore, buying annuity insurance can not only increase investment diversification, but also lock in part of the wealth as a future reserve.

3.Parents who want to make savings mandatory for their children.

Parents who have ideas will prepare a "reserve fund" for their children, and when the children grow up, they can use it to go to school, get married, buy a house and a car, or use it as a start-up fund for starting a business.

4.Elderly people with a stable income temporarily.

Generally, it refers to some middle-aged and elderly groups around 50 years old and with a stable income, such as doing their own business or having an upper-middle salary income. If you already have health insurance and have some savings, you can consider taking out some of the money to buy annuity insurance.

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There is generally no accurate answer to whether annuity insurance is cost-effective or not, because for different users, annuity insurance has different effects on them, and if you buy different annuity insurance, you will get different protection.

The products of regular insurance companies are reliable and profitable, but it is advisable to see if the terms of the contract are suitable for you. Buy wealth management, these insurance companies rank first in the country "China Insurance Company Ranking! Which company should I choose to buy insurance? 》

The main role of annuity insurance is not income. At present, the income of putting money in Yue Bao is higher than that of putting it in annuity insurance. The role of annuity insurance is to force savings, and it will give you a fixed amount of money every year. You can use the funds to pay for your children's tuition, or to provide for your own retirement, etc.

The policies of each company are different, so the regulations are different.

Annuity insurance, I believe many people have heard of it, the insurance money of this type of insurance is usually paid on an annual cycle, so it is called annuity insurance, that is, during the life of the insured, the insurer pays the insurance money to the insured in accordance with the amount and method agreed in the contract and within the agreed period. So, can annuity insurance be used for financial management? What does it do?

Annuity insurance can be said to be a general term for a type of insurance that pays insurance benefits on an annual cycle, and it cannot be said that it is financial insurance, but when choosing annuity insurance, you can choose insurance with financial management functions.

Generally speaking, annuity insurance spans a long period from paying premiums to receiving annuities, up to 10 years, 20 years or even longer, so this requires annuity insurance to have a certain financial management function to resist the impact of inflation by obtaining income.

What is annuity insurance used for?

The way in which annuity insurance pays insurance benefits shows that the protection it provides is relatively stable, and its general protection period is longer, so it usually appears in the form of endowment insurance.

In a sense, annuity insurance and life insurance have opposite roles. Life insurance provides financial protection for the loss of income due to the untimely death of the insured, while annuity insurance is an economic reserve to prevent the insured from potentially losing income** or depleting savings due to the long life expectancy of the insured.

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

Annuity insurance is currently the only financial tool that can lock in life, if you want to pursue a long-term stable income, you can consider annuity insurance. Of course, the premise is that the economy is well-off, the family is rich, the life insurance is well-equipped, and there is spare money in hand.

Spare money means that the presence or absence of this money will not affect the running of the family.

The role of annuity insurance

Existence is reasonable, and annuity insurance is still so popular, it must have the functional advantages of annuity insurance:

1.Annuity insurance has a pension function.

Now the aging is becoming more and more serious, and the national pension situation is grim. If we want to live a decent retirement life and prevent pension risks, we need to plan in advance, buy annuity insurance when we have the financial ability, and the insurance company will give a good return amount on time after retirement, so that we can live a more abundant life in our later years and be a chic old man and old lady.

2.Annuity insurance has the function of protecting children's education expenses.

The purchase of annuity insurance is actually to plan for the child's future in advance to ensure that the child's future education level is guaranteed and provide a good educational condition for the child.

3.Annuity insurance has a mandatory savings function.

Many people can't save money in their hands at all now, and they will spend it all at once as soon as they pay their salaries, don't look at the glamorous surface, they are at ease every day, and they have to pay off the debts of Huabei and Baitiao at the end of the day!

4.Prudent financial management and lock in wealth.

According to the current environment, the downward trend of market interest rates is inevitable, and in the next few years, the yield of various stable wealth management products will face the best situation, that is, wealth management is no longer capital preservation.

As a wealth management insurance, annuity insurance can be said to be the most secure financial product. Because the principal and guaranteed income of annuity insurance are directly determined by the contract, the guaranteed interest rate is written in black and white on the contract; Although annuity insurance can not bring ultra-high returns, it can compound interest and earn interest, from the perspective of long-term benefits, it can basically lock in wealth, protect the principal and income, and can well resist the risk of falling interest rates in any period.

Annuity insurance is a kind of financial insurance, which 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 interval.

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.

Who is suitable for annuity insurance?

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.

Write 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.

The functions of the two products are completely different, and you can only find the problem when you understand the advantages and disadvantages of each of them:

1. Bank wealth management is purely to help you save money.

1. The characteristics of bank wealth management products are generally short-term deposits, one month, half a year, one year, and no more than 5 years.

2. The bank shall not promise the rigid payment of the principal of wealth management, that is, it will not promise to protect the principal, and it will no longer promise to guarantee the return on interest.

3. In addition, there is the uncertainty of interest rates, the bank interest rate is in the trend, it will fluctuate with the changes in the market economy, affected by the global economy, the trend of low interest rates is becoming more and more obvious.

2. Annuity insurance is a relatively functional financial instrument.

1. The market insurance annuity product is as short as 10 years and as long as lifelong.

From the term at a glance, you know that it must be a medium and long-term savings plan, and it has a super compulsory savings function.

2. Annuity insurance is generally a product of zero deposit and withdrawal, or a whole deposit and zero withdrawal, so that a sum of money can flow for a long time and accompany it for a lifetime!

This money is saved for your own future, and it is best to use it for special purposes, such as children's education and wedding gifts, your own pension, etc

3. Insurance and wealth management products are formulated in advance to draw up an interest rate, the contract is valid for life, it will not change with the market interest rate, therefore, more and more intelligent customers will choose to allocate annuities, short-term look not lower than the bank interest rate, long-term lock interest rate.

Based on the above simple analysis, you should be very clear about which one you should buy, and I personally recommend that the combination of the two is more scientific and secure!

Other insurance questions can be consulted.

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Annuity insurance is a kind of life insurance in order to meet the needs of the policyholder, pay the insurance premium according to the agreement, and the insurance company needs to pay the insurance money according to the signed insurance contract until the death of the insured Liang or the expiration of the insurance contract.

1. Wide range of uses and variety: this kind of insurance has the function of compulsory savings, which can achieve the same effect of wealth accumulation and appreciation as investment, and can be used as a special fund;

2. Stable income: The income of annuity insurance is predictable and can be calculated, which is different from illusory investments;

3. Be able to meet the needs of life: it can be used for children's education reserves and wedding money; support for your own future retirement; financial guarantee for future tourism; Segregation of corporate assets and assets of the family.

Frankly, there isn't much of an advantage or difference in terms of earnings.

As a special financial tool, annuity insurance has a key role in using a certain way and at a certain time to give a certain wealth to a certain person to remove the scum and complete the certain thing.

A large part of its role is to designate the heirs of this wealth and the time of succession. And this part of the function is not available in other wealth management products.

Annuity insurance.

1.Annuity insurance refers to the insurance in which the insurer begins to pay insurance benefits to the insured in a regular and regular manner within the agreed time in accordance with the amount and method agreed in the contract during the insured's lifetime. Annuity insurance is mostly used for old-age care, so it is also called old-age insurance.

2.Optional benefits and add-ons.

According to different standards, annuity insurance can be divided into different types:

1) According to the classification of annuity insurance, it can be divided into single (dun3) annuity and installment annuity.

2) According to the different classifications of annuity insurance payment frequency, it can be divided into annual annuity, quarterly annuity, monthly annuity, etc.

3) According to the different classifications of annuity insurance payment dates, annuities can be divided into beginning payment annuities and ending payment annuities.

4) According to the different starting times of annuity payment insurance payment, it can be divided into immediate annuity and deferred annuity.

5) According to the classification of the term of annuity payment, it can be divided into life annuity and term annuity.

6) According to the classification of the number of pensioners, it can be divided into individual annuity and joint survival annuity.

7) According to whether the insurance premium is refunded or not, it can be divided into non-refundable annuity and refundable annuity.

8) According to whether the value of the annuity and the premium payment are guaranteed or whether they are variable, they can be divided into fixed annuity and variable annuity.