Is it good for Dad to buy Chinese Life Insurance Xinfu every year at the age of 46

All right! If you have health insurance, you can get it back by buying this 60, and you can get 80 a year

It is recommended to purchase accident benefit and critical illness benefit first.

Xinfu returns quickly every year, 12% of the first 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 assured will be returned every year, and many annuity insurance generally can no longer receive money if you choose to receive a one-time return of premiums when due, but Xinfu can specify the return age of Yinla (as fast as 55 years old) according to the needs of the year, and 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.

Fortunately, you can receive 15% of the basic insurance amount every year, as long as you can receive it after the date of collection, 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 Shoufeng Accompanying Slip Xinfu 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.

Xinfu Annuity is composed of two parts: "Xinfu Annuity" and "Xinfu Annuity Insurance", in addition to the universal account, more detailed content, let's take a look at the product form diagram:

When deciding whether to buy this annuity insurance or not, many times we look at how much its interest rate is worth it.

Since the two factors of the payment period and the age at which the birthday pension begins to receive will affect the final interest rate result, I will take the sum insured of 10,000 yuan, 60 years old and 75 years old to receive the birthday pension as an example for the interest rate calculation

According to the calculation results of the interest rate in **, we can see that the older the age of the birthday pension and the shorter the payment period, the higher the interest rate. This is only a case where the sum insured is 10,000, if you want to get a higher return, buy more.

Combined with the final interest rate results, Xinfu's interest rate performance is mediocre every year. Since the predetermined interest rate of annuity insurance can be the highest, Xinfu is even more bleak under its backdrop. If you want to know what are the high-interest rate annuity insurance, you can take a look at the recommended guide to start with annuity insurance that I have recently sorted out: