Which annuity insurance is best? What is the best annuity insurance on the market?

Annuity insurance is good, the products produced by different companies are also different, and the characteristics of different products are also different, so it is impossible to give an absolute answer.

However, when we choose annuity insurance, we can analyze these three aspects and choose the best product.

Amount to be paid, cash value, death benefit.

Of course, the higher the value of the three, the better, but you can't have both, and you need to make a trade-off, 1The amount to receive Two different types of pensions, assuming the same premium, starting from the age of 60, will receive the same for life, guaranteed for 20 years.

A product can receive 50,000 yuan per year, B product can receive 10,000 yuan per year, 2Cash value.

The amount you receive is how much you will get in the future, and the cash value determines how much your policy is worth each year.

We invest money in the early stage, and there is a corresponding cash value in the policy.

If we have to surrender the policy at a later stage, or if we want to use the policy to take out a loan, we will use the cash value.

The faster the cash value grows before the annuity is paid, and the shorter the number of years in excess of the premium, the more flexible the policy will be.

It can be understood that the cash value determines the degree of freedom we have at our disposal of this money.

There are also some products, in order to increase the amount of receiving, will sacrifice the cash value, such products start to receive annuities, they can not surrender or policy loans, and there are some products with a high amount of receiving, although there is a lifetime cash value, but the growth rate of cash value and the return rate are relatively slow, this is what Dad said earlier, the amount of receiving, cash value and death benefit should be trade-off.

If you want the policy to be more flexible, you can give priority to products with faster cash value growth in the early stage and cash value after you start receiving annuities.

3.Death benefit.

Many people buy pensions and will worry about a problem:

If the money is paid, but you haven't had time to receive it, or you don't get the principal back and unfortunately leave, will the money be wasted like this?

Of course not, because annuity insurance will also have a liability for death benefits.

Different annuity insurance, the liability for death benefit is different, and the death liability of annuity insurance on the market can be summarized into three categories:

If the cash value of the claim or the premium paid is larger, it is generally guaranteed that there will be no loss of principal before the annuity is paid.

The total amount of the remaining benefits during the guaranteed benefit period - Generally, after the annuity is paid, the death benefit will not be paid if you die after the guaranteed benefit is over.

Set a separate amount of death liability compensation - generally a product that can be attached to a universal account, taking into account pension and inheritance.

The amount of death insurance in annuity insurance is often dynamic, and the death liability will change greatly with age.

Like the cash value, some annuity insurance products will pay more attention to the amount of money received, weakening the liability for death, and it is also necessary for Chinese people with a heavy sense of family and blood to leave a sum of money to their relatives after death.

Therefore, when choosing annuity insurance, everyone will also pay attention to the death benefit.

In addition, whether it can be connected to the pension community, whether it can add or reduce insurance, and whether it can attach policyholder exemptions, etc., can also be used as an auxiliary item in selecting products.

On the whole, different annuity insurance can be analyzed from these aspects, if you want to consult annuity insurance, you can send a private message to Dad!

Taikang's Xinfu annuity is 6,000 per year, paid for 15 years, and can receive 6,000 per year from 15 years old until the age of 99. Taikang Xinfu Annuity Insurance (Participating) product provides survivorship, death, accidental death of the policyholder, high disability premium waiver protection and policy dividends. Similar to the same type of financial insurance in the market, it is in the form of lifetime return + universal account.

In the first year after taking out the insurance, if the insured person is still alive, he or she can receive a special insurance benefit once a year.

From the 8th year after the application of insurance, the insured person is still alive on the effective date and can receive the survival insurance benefit every year until the age of 64. From the age of 65, the insured person is still alive and can receive pension benefits every year until the age of 105. If the insured person dies before the age of 65, the beneficiary of the death benefit will receive the greater of the accumulated premiums paid and the cash value at the time of death.

Taikang Xinfu Annuity Insurance Plan also has outstanding financial management functions, long-term wealth planning for customers, Xinfu Annuity Insurance Plan has important characteristics such as compound interest value-added planning, value protection rising year by year, wealth inheritance as you wish, etc., to ensure long-term income and wealth inheritance for customers. Taikang "Xinfu Annuity" Insurance Product Plan - Survival insurance benefits will be paid after 5 years until the age of 105; Including special insurance, survival insurance, and pension insurance; At the same time, it provides the insured death and policyholder waiver benefit. The specific protection content of Taikang Xinfu Annuity Insurance:

1. Pension.

At the time of purchase, the insured person is under the age of 55 and receives a pension from the age of 65, and if the insured person is older than 55 years old, the pension is received from the age of 70.

2. Death benefit.

According to the sum of the premiums paid, minus the amount received and related expenses, and the account value at the time of the contract, whichever is larger, the greater value will be given to the beneficiary.

3. The guaranteed interest rate of the universal account is the account management fee, also known as the initial fee, which is deducted from 1% of the annual payment amount; Surrender Deduction: 1% of Account Value for the first 5 years, no charge for the 6th year and onwards.

At present, there are many popular annuity insurances in the market, most of which appear in the form of education funds and pensions, and the more excellent pensions include Everbright Sun Life Guangming Huixuan Annuity Insurance, Everybody Happiness Pension Insurance, Zhonghe Jinsheng Pension Insurance, Huaxia Yu Ruyi (Stable Win Version) Annuity Insurance, etc., which cannot be listed one by one. A brief introduction to Sun Life Everbright Wisdom Annuity Insurance, this product has a flexible payment period, the protection period can be guaranteed until 20 years or for life after receiving the difference, the minimum starting age for pension is 55 years old for women, the pension and death can be protected, and a universal account can also be attached, with a minimum guaranteed interest rate of 3%. Overall it's still very good, if you want to know more about it, see this article:

Guangming Huixuan Pension has a high income spine to celebrate the elderly? The answer lies in the text.

The more excellent education funds include Hengan Standard Jinzhi Qihang Education Annuity Insurance, Evergrande Splendid Future Education Annuity Insurance, Guohua Yongle No. 1 True Love Baby Children's Annuity Insurance, Guohua Xiaozhuangyuan No. 1 Children's Annuity Insurance and so on. If you want to configure an education fund for your children, you can take a look at Guohua Xiaozhuangyuan No. 1 Children's Annuity Insurance. The guarantee period of this product is optional, the payment period is flexible and optional, 1000 yuan can be invested, it can be seen that the threshold is not high, overall it is good, interested can take a look:

If you want to buy Little Champion No. 1 Children's Annuity Insurance, look at it! Don't miss out before you buy!

To buy annuity insurance, we first look at the content of the protection and the internal rate of return. The protection content of annuity insurance generally includes annuity and death protection, and the better one will also provide total disability protection. The internal rate of return is rising, and the internal rate of return of better annuity insurance is generally around.

In addition, we should also pay attention to some insurance details, such as exclusions. The exclusion clause is the scope of the insurance company's exclusion, and if the insurance is caused by the exclusion clause, then the insurance company will not pay the claim. There are many more details, you can see this article:

Learn this trick and stay away from the 99% pit of annuity insuranceHope.

Many people want to know whether the annuity insurance they choose is good, and a list can tell you the answer:

Generally, you can judge how the product is by understanding the type of insurance clearly, and many people want to donate generously for the annuity insurance before they understand the annuity insurance, which may be the wrong one.

The following is an analysis of annuity insurance in three points:

1) What is Annuity Insurance?

Annuity insurance needs to be handed over to the insurance company for a certain premium, and when it reaches the agreed number of years, you can receive the money from the insurance company.

In order to solve the problem of education funds, I compared and analyzed these 8 education funds: 10 major insurance companies hot-selling children's critical illness insurance inventory.

Pension is also known as pension, after the agreed number of years, you can receive a pension from the insurance company every period, so that the retirement life of the elderly can be guaranteed.

2) Types of annuity insurance.

Annuity insurance is divided into traditional annuity insurance, participating annuity insurance, universal annuity insurance and investment-linked insurance.

3) How to choose annuity insurance.

First of all, learn about the pit prevention strategy:

Secondly, the following points must be seen:

1.Look at the internal rate of return.

First of all, look at the rate of return of annuity insurance, the most simple and crude way: list the annual premiums to be paid and the amount of annuity that can be received in the future, combine them into a long-term cash flow, and calculate the IRR (real rate of return) according to the formula.

2.Look at the cash value.

Annuity insurance has a very different income trend, and some cash values can be repaid in a few years; Some cash value returns very slowly, but annuities are mostly suitable for retirement.

If you are worried about the need for capital turnover in the future, you may choose to surrender the policy, and it is recommended to choose annuity insurance, which has a faster cash value return on investment. If you only have pension needs, it is better to choose a product that has a slow return on investment in the early stage and can receive more annuities.

3.Look at the predetermined interest rate.

How the yield can not be left without looking at the predetermined interest rate. Under other unchanged circumstances, the higher the predetermined interest rate, the higher the annuity yield, and now the China Banking and Insurance Regulatory Commission has begun to stipulate that the predetermined interest rate shall not exceed, which is the cap value, and the specific amount needs to be calculated.

Annuity insurance is divided into two categories, one is traditional annuity insurance, and the other is dividend annuity insurance. Both have their own advantages.

1. The best annuity insurance on the market.

Annuity insurance is divided into two categories, one is traditional annuity payment, and the other is participating annuity insurance. There are many types of insurance, some of which are consumption-based, some are savings, and some are dividend-sharing, and the ways of income are different for different types. Many people are not very interested in annuity insurance, thinking that it has no role at all, it cannot transfer risk like health insurance, nor can it have high returns like **, but in fact, two different specific annuity insurance can play different roles under different conditions.

The way of these two annuity insurance is different, the traditional annuity pays it the least risk, and it can guarantee your income. However, the income is not paid in full at once, and the contract stipulates that the regular amount will be paid to you in installments. The second type of participating annuity insurance is different, it cannot guarantee income, but if there is income, the yield is higher than the former.

Its payment method is also different from the former, if there is a profit dividend, it will be paid, and if there is none, it will not be paid. So as for which one is better, it's up to you to choose.

2. How to choose annuity insurance.

So do we need to understand how to choose annuity insurance? First of all, it depends on what type you can accept, and only after thinking about this can you make a decision for the future. The second is to look at the amount of premium, try to choose what you think is more suitable.