If you want to buy an annuity insurance, can you choose the best one flexibly, and is there a suitab

There are many types of annuity insurance options, and the 2020 Gold Insurance Comparative Evaluation "2020 Gold Insurance Comparative Evaluation".

First, these annuity insurance deserve our attention

1. If you pursue stable and high returns: Monopoly annuity insurance

Although the return of Monopoly is relatively slow in the early stage, the income of Monopoly annuity insurance in the later stage is relatively high and stable compared with annuity insurance with universal accounts.

It is more suitable for people with long-term pension planning.

2. If you pursue fast returns: drill multi-year gold insurance

As mentioned by the father above, Diamond Duoduo is a quick-return annuity insurance, and the income is relatively high.

If you want to get your money in a short period of time, you can consider this product.

Moreover, the multi-energy account can also be attached, and the multi-energy account has a guaranteed yield of 3%, and the yield of the 20th year can be reached according to the mid-range interest rate, and the subsequent value-added will be faster and faster.

3. Capital flexibility: China-Korea Life Insurance and Monopoly Annuity Insurance

Since both Monopoly Annuity Insurance and Zhonghan Yue Future have the function of reducing insurance, the flexibility of capital use has been greatly increased.

Consumers can decide to invest their funds in other investment channels or in the future according to the advantages and disadvantages of the investment environment.

4. Enjoy quick returns: China Merchants Renhe Zhaoying Jinsheng, Huaxia Insurance Huaxia Hong.

The effective settlement interest rate of the universal account currently matched with these two products is % respectively.

After purchasing the product, you can directly add additional investment to the universal account and enjoy the current settlement interest rate.

2. Summary

Growing old is inevitable for everyone, but we can start to protect ourselves for the future.

Hello, Haibao Life Blessing Jinsheng Annuity is a cost-effective annuity insurance, which can be purchased directly through the Sycamore Tree Insurance Network. The main advantages are as follows:

1.Flexible choices. The protection period and payment period of Haibao Life Blessing Annuity can be flexibly selected, such as the shortest insurance period is 10 years, which can be configured according to the policyholder's needs. The coverage period is 10 years, 15 years, 20 years;

2.The start time is short, and there is also a maturity benefit.

The annuity can be received at the end of the 5th policy anniversary, the insured is still alive after the expiration of the contract, and the insurance company pays the maturity insurance money according to 110% of the basic sum assured, and the maturity insurance money can be used for education or pension, so this insurance product meets the liquidity needs of funds, so it is cost-effective and worth choosing.

3.The death benefit is of a larger value.

In the unfortunate event of the death of the insured, the insurance company shall pay the death benefit according to the greater of the accumulated premium paid and the cash value of the policy contract at the time of the insured's death. For more questions, it is recommended to go to the Sycamore Tree Insurance Network, where the insurance planner will formulate a suitable insurance plan for your reference according to your actual situation.

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 at agreed intervals. Generally speaking, annuity insurance mainly has the characteristics of compulsory savings, stable income and high security. For those who are still relatively new to annuity insurance, you may wish to take a look at the following article:

Is annuity insurance good? Is there anything I need to pay attention to? What are some good products?

There are many annuity insurance products on the market, if you want to buy an annuity insurance that can flexibly choose funds, the following senior sister will directly introduce you to an annuity insurance product under Everyone's Life - Everyone's Orange Heart Pension Insurance. The insurance age of this orange heart pension insurance is 28 days to 65 years old, and the group that can be covered is still relatively large, and the payment period can also be flexibly selected, mainly including single payment, 3 years, 5 years, 10 years, 15 years and 20 years. Importantly, this product also provides rights and interests such as insurance additions and reductions, policy loans, etc., which greatly increases the flexibility of capital use, and small partners can use the insurance reduction to access funds.

If you still want to continue to understand this product, you can click on the following evaluation article: Is everyone's orange heart pension insurance really a blessing for the elderly? You'll know after reading the earnings!

Annuity insurance has always been popular with consumers as a financial insurance, annuity insurance also includes short- and medium-term annuity insurance and long-term annuity insurance, and small partners can choose according to their actual needs. So, if you want to buy annuity insurance, let's recommend a few cost-effective annuity insurance products, and you can take a look if you are interested: Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance?

Don't miss out on these 10 again!

Hello, there are many products that can meet your needs, such as Xintai Ruyizun, you can plan your own pension according to your personal wishes, or your children's education funds, as well as the planning of money for a certain period of time in the future, but you need to communicate with you in detail, you can pay attention to the message.

1.Protect first, then manage your finances

To buy insurance, you must first configure the protection insurance, and then buy some financial insurance.

You must know that people's life and health are the first, and only when you protect your own health first, and then talk about financial management, you must not put the cart before the horse.

2.Learn about annuity insurance

Before buying an insurance, the first thing is to understand the content and various terms of the insurance, and the same is true for purchasing annuity insurance. It is necessary to understand the protection responsibilities of insurance, payment methods, expected returns, etc., and do not blindly listen to the boasts of salespeople, but must be aware of them.

3.Choose the pay-as-you-go annuity insurance carefully

Due to the lack of long-term accumulation process, the cash value of the product is very low, and it usually takes a long time to recover the principal.

Moreover, if you want to surrender the policy in the later stage, but due to the short time of capital accumulation, the cash value that can be repaid is very small, and the gains outweigh the losses.

4.Pay attention to guaranteed collection

Annuity insurance is based on the survival of the insured as the condition of payment, and generally annuity insurance will promise consumers a 10-year or 20-year guaranteed payment period.

In order to avoid the loss of a large amount of pension due to the death of the insured person before the insured has been paid, the insurance company will give the remaining unpaid insurance benefits to the designated beneficiary.

5.Premium expenditures should be controlled proportionately

Under normal circumstances, the premium accounts for less than 10% of the total household income, and the maximum is not more than 15%, if the annual premium has exceeded 20%, it means that this insurance may cause you a lot of stress.

Want to quickly learn how to buy annuity insurance? "2020 Popular Annuity Insurance Evaluation: There is Always One for You" hope

Annuity insurance is different from health insurance, health insurance is mainly to transfer risks such as illness and accidents, while annuity insurance is an important means to avoid economic risks. Especially since this year, many people have begun to realize that stable cash flow is the magic weapon against uncertainties.

Let's take a look at the most worthwhile annuity insurance in October:

Due to the limited space, the father took the appointment of the Dutch Jinsheng as an example to carefully analyze and analyze:

1. Sino-Dutch Jinsheng has an appointment: the first choice for working-class pensions

(1) Guaranteed for life, guaranteed for 20 years

Whether you are 80 years old or 100 years old, how long you will live.

And the longer you live, the higher the income.

At the same time, Jin Sheng has a guarantee of 20 years.

(2) The payment method is flexible, and there is no pressure to apply for insurance

The payment method of Jinsheng Youyue is flexible, and you can choose a variety of payment methods such as single payment, 3 5 10 15 20 25 30 years. There is less pressure to pay bills.

(3) Enjoy the right of additional insurance

If you have an appointment with the insurance fund before October 31, you can enjoy the right to increase the insurance.

If you don't have much spare money now, you can choose to invest some of it first, and then you can add it when you have enough money.

The longer you live, the greater the benefits you will get, and you can refer to the income situation at the age of 90.

However, people of different ages have different times to increase their funds, and the final income is also different.