What kind of insurance is annuity insurance and what kind of insurance does annuity insurance belong

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, which guarantees that the insured can obtain economic benefits when he or she is old or incapacitated. There are three types of annuity insurance according to the period for which the insurance benefits are paid

Life annuity insurance, also known as "pension insurance", or "pension insurance". Generally, the insured person is a unit or group, and the insured person is an employee of the unit or group. According to the provisions of the insurance contract, the policyholder shall pay the insurance premium in aggregate until the insured reaches the specified retirement age; The insurer pays the insurance benefits to the retired insured on a regular basis or in a lump sum, and the insurance terminates when the insured dies or has paid all the insurance benefits in a lump sum.

2) Term annuity insurance, according to the provisions of the insurance contract, the policyholder or the insured pays the insurance premium during the contract period, and the insurer assumes the responsibility of paying the insurance money on the condition that the insured survives within the period specified in the contract, and the insurance is terminated upon the expiration of the specified period or the death of the insured. (3) In the case of joint annuity insurance, two or more family members are insured, and after the policyholder or the insured pays the premium, the insurer pays the insurance money on the condition that the insured survives together, and if one of them dies, the insurance is terminated. Another form is when all the insured dies and the insurance is terminated, which is called joint last life annuity insurance.

Annuity insurance can be handled by ** through legislation, which is social welfare insurance, or it can be handled by insurance companies through the signing of insurance contracts.

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Annuity insurance, also known as annuity, or annuity insurance, is a kind of life insurance that takes the survival of the insured as the condition for the payment of insurance benefits, and pays survival insurance benefits in installments at agreed intervals. Generally, a certain amount of money is paid 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. Annuity insurance product information.

The main types of annuity insurance:

1. Whole life annuity insurance.

Whole life annuity insurance is an annuity product that is conditional on the survival of the insured. The insurance contract is valid for as long as the insured person is alive. Therefore, this annuity product is mainly used for pension planning and security.

For example, in a lifelong pension product, the insured starts to receive a pension at an agreed time or a specific age (usually retirement age) until the insured dies.

2. Term annuity insurance.

Term annuity insurance has an agreed limit on the number of years of payment, and the insurance contract will be terminated when the number of years of payment reaches the agreed period or when the insured dies. In family wealth planning, regular annuities mainly play a role in the form of education funds, which can help us plan our children's education in advance.

3. Personal annuity insurance.

Personal annuity insurance refers to annuity insurance that takes the survival of an insured person as a condition for payment. There is only one insured person of personal annuity insurance, which can help families effectively isolate financial risks and play a unique role in wealth inheritance.

4. Joint annuity insurance.

Joint annuity insurance is an annuity insurance that is conditional on the survival of two or more insureds. As a family, the accumulation of wealth is completed by the joint efforts of both husband and wife, so through joint annuity insurance, it can provide more comprehensive protection for the family.

Annuity insurance is a kind of life insurance, which is based on the survival of the insured, and pays the insurance money annually, semi-annually, quarterly or monthly until the death of the insured or the expiration of the insurance contract

Whole life annuity insurance: Whole life annuity insurance refers to the annuity insurance in which the insured can receive the agreed annuity according to the contract until death after reaching the target period;

Term annuity insurance: It means that after the insured pays the premium on time, the insurance company needs to pay the annuity agreed by the insured on time from the time of the contract until the expiration of the insurance contract;

Joint annuity insurance: refers to an annuity insurance that is based on the lives of two or more insureds.

Further information: In recent years, investment insurance has attracted the attention of investors because of its strong investment function. Insurance experts remind that investment insurance is a kind of insurance linked to investment income, and risk protection is only an additional part of it, so investors need to be rational when buying investment insurance, and not everyone is suitable for buying investment insurance. The return on investment of investment insurance may not be guaranteed, and the return on investment of investment insurance is uncertain.

The premiums paid by the policyholder are not all entered into the investment account for investment, but the initial fee is deducted or the ** selling price difference is charged when entering the investment account, and certain expenses may also occur after entering the investment account; In addition, the insurance company may also charge a certain handling fee or surrender fee when providing services such as account switching and partial collection. An insurance expert said that investment-type insurance is not an ideal financial product. The return on holding investment-based insurance such as universal insurance will be higher in the medium and long term.

Annuity insurance is based on the condition of the survival of the insured, and the survival benefit is paid for an agreed period of time. The amount of the survival fund is generally paid according to a certain percentage of the insured amount of the contract. Because most annuity insurance pays a certain amount of insurance according to the annual cycle, it is called annuity insurance.

Annuity insurance also has a certain amount of income protection.

Common types of annuity insurance: In addition to social pension insurance, commercial pension insurance is also a type of insurance that most people are familiar with. Personal commercial endowment insurance is a kind of annuity insurance for the purpose of old-age security.

Term annuity insuranceIf term annuity insurance is relatively unfamiliar to everyone, then education pension should be familiar to everyone. Children's education insurance is a term annuity insurance. This is the kind of insurance that the policyholder pays for within the agreed period and receives the annuity on time until the expiration of the contract.

Since the education of children has always been a priority for families. Therefore, many parents will take out an education fund for their children when they are young, and they can withdraw a certain amount of money to support their children to complete their education at a certain time.

Variable annuity insurance, the well-known investment-linked insurance, belongs to variable annuity insurance. The premiums paid by the policyholder will go into an investment account and be used by the insurance company to invest, and the insurance purchaser bears the investment risk and is responsible for his own profits and losses. Purchasing variable annuity insurance requires a certain amount of risk tolerance, which is more suitable for people with higher incomes.

Variable annuity insurance, which can be used to combat inflation.

To purchase annuity insurance, you need to have certain economic conditions before choosing to buy annuity insurance after improving the personal and health protection related to the individual.

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

What is Annuity Insurance? Full analysis in 2 minutes!

Annuity insurance is a type of life insurance. 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, monthly or agreed time on the condition of the insured's survival until the death of the insured or the expiration of the insurance contract.

Friends who don't know much about annuity insurance, you may wish to collect this in-depth article first:Is annuity insurance good? Is there anything I need to pay attention to? What are some good products?

Annuity insurance has the advantages of high security, mandatory savings, and locked-in income. Compared with other wealth management insurance, the income of annuity insurance is relatively stable and the security is higher. Moreover, when to receive and how much can be received are written in black and white in the contract, and the income is usually not affected by future economic changes, which can provide a relatively stable cash flow.

Annuity insurance on the market can be divided into traditional annuity insurance, universal annuity insurance, participating annuity insurance, etc. Special attention should be paid to participating annuity insurance. Dividends are determined by the actual operation of the insurance company's dividend insurance business, and dividends are not guaranteed, that is, there may be, there may be little, or even none.

Therefore, everyone must know this when applying for participating annuity insurance.

Under normal circumstances, the senior sister recommends that you consider buying annuity insurance and other insurance with financial management functions after you have done a good job of personal protection. Because personal protection is the most important thing, to minimize your own health risks, in order to better enjoy the rights and interests brought by annuity insurance. On the basis of having done a good job of personal protection and having spare money in hand, annuity insurance is a good choice for those who want to plan their assets through forced savings, prepare a pension for their old age or save for their children. Hope.

Annuity insurance is a kind of life insurance, which, like life insurance, can be divided into whole annuity insurance and term annuity insurance according to the protection period.

Annuity Insurance Hill Insurance Company pays insurance money to the insured on the condition of the insured's survival. Until the death of the insured or the expiration of the insurance contract.

The guaranteed interest rate of annuity insurance and the amount of annuity returned each year are clearly written in the contract, which is a relatively safe financial insurance, and the longer the insured survives, the higher the income.

In general, annuity insurance is a kind of financial insurance that determines the income and can provide stable cash flow for the insured.

That's all for daddy, I hope it helps.

Annuity insurance. It is one of the types of life insurance, and term life insurance and accident insurance.

Medical insurance is different from critical illness insurance.

Annuity insurance is a financial management insurance, which we hear about every day about education, marriage, and pension.

and so on belong to annuity insurance, you save a sum of money now, what will be used for what in the future, it is called what gold. For marriage, it is the marriage money, which is used for the education of children, then it is the education money.

Then annuity insurance.

pension and pension insurance of our social security.

What is the difference between Social Security? In fact, the biggest difference is that endowment insurance is the basic guarantee, first of all, you pay endowment insurance for a period of time from the beginning of work, and receive money when you retire, endowment insurance is the base of the cost you pay now, which determines the amount of expenses you receive in retirement in the future. The difference between annuity insurance is that annuity hail insurance has a value-added process, and the general contract stipulates a compound interest of about 3%.

The process of increasing income, so the final annual benefit depends on the amount and amount of your current contributions, as well as the length of your contributions.

Therefore, when buying this type of insurance, you must find out what you are going to do with this money in the future, plan well, and then buy it. After buying, you can quickly pick it up, or surrender it, and the loss is very large.

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Hello, what kind of insurance is annuity insurance, annuity insurance is actually a product of life insurance.

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Annuity insurance is a type of life insurance that is conditional on the survival of the insured until the death of the insured or the expiration of the contract. At the same time, annuity insurance is also a kind of financial insurance.

Generally speaking, annuity insurance is that the policyholder pays the premium once or on time, and waits until the period agreed in the contract to return the money to you. It is also a product that pays a sum of money first, and then returns the money every year at a certain time.

Translated into the vernacular, annuity insurance can help us plan our future assets in advance.

For example, to prepare for the future college expenses of the child, or to prepare a pension for yourself.

Other insurance questions can be consulted.

Pre-sales product consultation: 400-880-3633

After-sales service: 95362

Annuity insurance is a kind of commercial insurance in which the insurer pays the insurance money to the insured regularly and regularly within the agreed period of time in accordance with the payment method and amount agreed in the contract during the insured's lifetime. Annuity insurance often has the following four characteristics: annuity insurance produces high bad product information.

1. Annuity insurance can provide the insured with certain economic security in his or her later life. When people are young, they can save some idle funds to pay premiums, and when they are old, they can receive a fixed amount of insurance money on time.

2. Life insurance with the survival of the insured as the condition for the payment of insurance money, and the life insurance money shall be paid in installments according to the insurance contract, and the payment interval shall not exceed 1 year (including 1 year).

3. Annuity insurance can have no definite period or a definite period, but it is all based on the survival of the insured of the annuity insurance as the payment condition. In the event of the death of the annuity recipient, the insurer immediately terminates the payment.

3. Annuity insurance is very safe and reliable. This is mainly because insurance companies must withdraw liability reserves in accordance with the law, and the liability reserves between insurance companies are guaranteed by a reserve system, even if the insurance company of the annuity purchased by the insured customer goes bankrupt or goes out of business, the rest of the insurance companies will still automatically share the annuity benefits for the purchaser.