What kind of insurance is practical? Is it worth holding annuity insurance for a long time?

1. Accident insurance: You can choose comprehensive accident insurance, which can also ensure accidental medical expenses under the premise of death and disability, which is better for ordinary people.

2. Medical insurance: If you can choose additional medical insurance, you can get compensation for hospitalization expenses.

3. Critical illness insurance: The fixed amount of critical illness insurance budget is not only helpful for early treatment, but also effective for later recuperation.

4. Life insurance: A life insurance can not only be used to save the family economy, but also play a great role in car loans, housing loans, children's education, and the pension of the elderly.

5. Endowment insurance: endowment insurance ensures their own future, and as soon as possible, they can complete economic freedom in old age and ensure that "the old are supported".

Annuity insurance has the characteristics of survival insurance, as long as the beneficiary survives, the beneficiary can receive a guarantee on time within a certain period of time according to the annuity insurance, and get the income loss caused by the long life to ensure the effect, so as to achieve the effect of annuity insurance pension. The real and unique charm of self-insurance and financial management is the appreciation of the interest of the universal account. Now if you buy more than two years and then return the insurance, or withdraw the money, then insurance and financial management will not make much sense.

Therefore, annuity insurance is naturally valuable as a long-term investment.

My commercial service endowment insurance is divided into two kinds: one is the traditional pension insurance with a fixed interest rate, according to the requirements of the China Insurance Regulatory Commission, the maximum predetermined interest rate at this stage; The other is dividend-paying pension insurance, that is, the amount of pension insurance has a certain relationship with the long-term investment of the insurance company. The dividend-paying endowment insurance allows the insured to independently choose the income distribution method and share the operating performance of the enterprise, which is also unable to enjoy the benefits in the previous pension insurance.

When interest rates are raised, insurance companies' investment profits increase, and their earnings naturally rise.

My pension dividend insurance is more suitable for groups who have a stable job and continuous income and do not want to reduce the quality of life of the elderly. It is best to choose the opportunity to buy at the age of 25-45, and the income and career are in the stage of steady rise. However, according to the actual situation, this group of people has a wide range of work intensity, shouldering the pressure of raising children, supporting the elderly, paying off mortgages and providing cars, etc., and it is easy to ignore their own pension requirements.

Annuity insurance is a kind of life insurance, which is mainly based on the survival of the insured as the payment condition, and there are many options for the protection period, and it is worth holding annuity insurance for a long time. Its earnings are very fixed.

It can be said that it is worth it, after all, annuity insurance is held for a long time, and the income will increase with the growth of time, annuity insurance is a kind of life insurance, mainly based on the survival of the insured as the payment condition, the protection period is more, there are 10 years, 15 years of this regular period, but also for life, live long, receive more.

It is more practical to buy serious illness insurance or study insurance, and for people in the family, they can really use such insurance and enjoy the dividends of insurance. I don't think it's worth buying this kind of insurance because the investment is risky.

1. What is annuity insurance?

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. The annuitant and the insured can be the same person or different people. The term of pension insurance can be fixed, such as education benefits.

It can also be lifelong, such as a pension.

Some friends will have such questions: If I pay so much money to the insurance company, will it run away? For a more detailed answer, click here:Insurance companies, will they run away? Which one is reliable?

1. Safety;

Compared with bank financial management, **, **, etc., one of the biggest features of annuity is that it is safe, and there is no need to worry about the failure of insurance companies.

2. Determination of income;

In the definition of annuity insurance, we also see that after the customer pays the premium, the insurance company will return the survival fund to the insured on time in accordance with the contract, and the total amount of return is determined.

In addition, the contract will also stipulate the cash value of annuity insurance and its changes, as long as the cumulative sum of the survival benefit before a certain policy year + the cash value of the policy in the current year, you can get a certain income.

But there are a few caveats to note:

1. The current interest rate is not equal to the guaranteed interest rate;

Some irresponsible insurance ** people will use the current settlement rate to demonstrate the income when introducing the product to the customer, which is an obvious sales misleading, and the final determination of the income depends on the guaranteed interest rate.

2. Higher premiums;

At present, most of the annuity insurance premiums on the market start at 10,000 yuan, as little as 10,000 yuan, and as many as millions. Some working families may feel pressured, but of course, if you agree with annuity insurance, it is also a good way to buy insurance over time.

3. Surrender the policy in the middle of the policy may suffer losses;

Through the case, it can be seen that the total income of annuity insurance is slowly increasing, slow in the early stage and fast in the later stage, so it is recommended to hold annuity insurance for a long time.

You are clear about the role of annuity insurance, whether you understand the advantages and disadvantages of annuity insurance, and whether there are suitable products, these are the key factors that affect the choice of annuity.

Having said so much, I believe you also have a certain understanding of annuity insurance, in order to facilitate everyone, I have collected all the annuity insurance products in the market, conducted a comprehensive comparison, and selected these ten recommended to you:Top 10 Annuity Insurance Points Worth Buying!

Answer: The advantages of annuity insurance are that you can receive it every year, have a variety of choices, set up care funds and distribute dividends; The disadvantages are high premiums and insufficient protection. 1. Advantages of annuity insurance 1. You can receive it every year: Annuity insurance has the attributes of annuity, which can be received every year, and the longest can choose to receive it until the insured is 100 years old, and some can also be retained in a specific account of the insurance company, which earns interest in accordance with the agreed method, and pays the principal and interest when due.

2. Diverse choices: When applying, you can choose the period of annuity payment and the method of annuity payment. 3. Set up care funds:

Many annuity insurance plans have a care payment, which is paid to the beneficiary in the form of a care payment. 4. Dividend distribution: Annuity insurance with dividend function, the beneficiary can get dividend distribution during the validity period of the contract.

2. Disadvantages of annuity insurance 1. Expensive premiums: the policyholder is required to have the ability to continue to pay. 2. Insufficient protection:

Generally, only death benefit is provided, and as an insurance product, there are deficiencies in protection.

The advantages of annuity insurance are that you can receive it every year, have a variety of choices, set up care funds and distribute dividends; The disadvantages are high premiums and insufficient protection. 1. Advantages of annuity insurance 1. You can receive it every year: Annuity insurance has the attributes of annuity, which can be received every year, and the longest can choose to receive it until the insured is 100 years old, and some can also be retained in a specific account of the insurance company, which earns interest in accordance with the agreed method, and pays the principal and interest when due.

2. Diverse choices: When applying, you can choose the period of annuity payment and the method of annuity payment. 3. Set up care funds:

Many annuity insurance plans have a care payment, which is paid to the beneficiary in the form of a care payment. 4. Dividend distribution: Annuity insurance with dividend function, the beneficiary can get dividend distribution during the validity period of the contract.

2. Disadvantages of annuity insurance 1. Expensive premiums: the policyholder is required to have the ability to continue to pay. 2. Insufficient protection:

Generally, only death benefit is provided, and as an insurance product, there are deficiencies in protection.

"Annuity Insurance Strategy: How to Choose the Right Annuity Insurance? 》

1. Advantages of annuity insurance

Absolutely safe and guaranteed returns.

The amount and time of receiving the annuity insurance are all written in black and white in the contract, and are protected by Article 92 of the Insurance Law, even if 10,000 misfortunes cause this insurance company to go bankrupt, your annuity insurance will be accepted by other insurance companies and continue to be paid according to the contract.

Regulate cash flow and earmark funds.

The contract of annuity insurance stipulates the payment method and the payment method, which is equivalent to planning our cash flow in advance.

When you have money in your hand, save it like an ant moving, and let him increase its value, and when you need it, you can take it out and use it.

For example, rigid expenditures such as pensions and education funds are particularly suitable for using annuity insurance to complete the regulation and control of corresponding cash flow and ensure that special funds are earmarked.

Forced savings to prevent "chopping hands".

The contract of annuity insurance stipulates the time when it will start to be received, and before that, you can only save money, not withdraw money, which plays the role of forced savings.

In this way, we can overcome the desire to spend money through tools, save money, and prevent it from being spent unknowingly.

Lock in the level of income and guard against downside risks in interest rates.

The annuity contract stipulates that every penny that can be received in the future, and the income from the beginning of buying the annuity to a certain time node is all determined, and will not be affected by any external interest rate fluctuations.

Even if it enters the era of negative interest rates, the long-term annuity compound interest of about 3%-4% of annuity insurance can also be obtained, which effectively prevents the risk of downward interest rates.

Second, annuity insurance also has disadvantages

The income is not high: as a product with income written into the contract, the annuity bears the risk of falling interest rates for us, so the characteristics of the annuity are stable rather than high returns, and it cannot make a lot of money, but it can keep the money.

There may be a loss in the short term:

We buy an annuity and sign a contract, agreeing on the time and amount of payment, so if we violate the contract, we will have to pay "liquidated damages" if we want to withdraw it in advance.

At this time, we may not be able to achieve the expected returns, and we may even lose the principal.

The above are the advantages and disadvantages of annuity insurance, know these and make good use of them, annuity is an invincible weapon in your hands, otherwise, buying an annuity is to move a stone to shoot yourself in the foot, but to buy a loss.

The disadvantage of annuity insurance is that the protection function is relatively weak and the liquidity of funds is relatively poor. The advantage is that the income is relatively stable, not affected by the decline in interest rates or economic changes, and the value of funds can be maintained and increased. As an insurance with the nature of financial management, annuity insurance is still worth buying compared with financial insurance such as dividend insurance and universal insurance.

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

At present, the annuity insurance products on the market that are worth buying mainly include Everybody's Pension Happiness Pension Insurance, Evergrande Splendid Future Education Annuity Insurance, Everbright Rich Home Pension Insurance, Everbright Sun Life Guangming Huixuan Pension Insurance, and Hongkang Determination Lifetime Annuity Insurance. Space is limited, the senior sister will give you an example of Guangming Huixuan pension insurance, the protection content of this product includes pension and death insurance, the pension is more flexible, you can receive it annually or monthly, you can receive 100% of the basic sum insured for age, and you can receive the basic sum insured for a month. The pension is also guaranteed to be received for 20 years, which can avoid the loss of the annuity caused by the early death of the insured.

Moreover, it can also be attached to Zenglibao (premium version) annuity insurance (universal type) to achieve secondary value-added. Space is limited, and if you want to know how profitable this product is, don't miss this article:

Does Guangming Huixuan Pension have high returns? The answer lies in the text.

Although annuity insurance is a kind of insurance worth buying, but before buying annuity insurance, you need to pay attention to the protection function of annuity insurance is relatively weak, if you unfortunately have illness, accident and other injuries, the money obtained from annuity insurance may not be able to completely transfer the economic risk caused by illness, accident and other accidents. Therefore, before configuring annuity insurance, it is necessary to fully configure protection insurance such as critical illness insurance, medical insurance, and accident insurance. Senior sister has sorted out some matters that need to be paid attention to when buying annuity insurance, and interested partners can take a look:

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

1. Who is suitable for annuity insurance?

1. People with pension needs

Now most people have social security pensions, but the replacement rate of pensions in China is still at a low level, which can only guarantee the basic food and clothing expenses of Li Yin, and it is difficult to disturb the high life happiness index. Therefore, people with pension needs can buy pension products in annuity insurance and receive them regularly after retirement, which can supplement the lack of pension, effectively improve the quality of life, and make life more decent and dignified in old age.

2. Parents who have long-term plans for their children

After having children, parents want to make long-term plans and plans for their children. In addition to creating a good atmosphere for family education, we also need sufficient material foundation to ensure high-quality educational resources. The education annuity in annuity insurance is suitable for parents to solve long-term education needs according to the actual situation of the family and the education planning of their children, so as to reduce the pressure on parents to bear the cost of their children's education in the future.

3. Young youth groups

Nowadays, many young people have received a good education and have a very stable working income, but they still suffer from no asset accumulation. It's not that they lack the ability to make money, but that they struggle to throttle. For such people, they can consider annuity insurance to force themselves to save luxury and entertainment expenses and pay premiums regularly, so as to help them turn pieces into a whole and gather sand into a tower.

4. High-net-worth individuals who need to avoid risks

High-net-worth individuals have better economic conditions, and after being equipped with personal insurance protection such as medical treatment and accident, they can also purchase corresponding annuity insurance products from the aspects of asset planning diversity, risk isolation, and back-up protection. In particular, the annual income of fixed-income annuity insurance is written into the contract, which can safely and steadily cross a long time cycle, help high-net-worth individuals cope with long-term uncertain risks in the future, and protect the bottom line of assets.

2. What is the use of annuity insurance?

1. Pension

In 2030, China will usher in the peak of population aging, and pension is not only considered by the elderly, on the contrary, it is too late to consider it when it is old. If we want to live a decent retirement life, we need to plan in advance to ensure that we are adequately prepared. In the prime of life and good economic ability, buying annuity insurance in advance can have a long-term, continuous and stable annuity income after retirement, which can help us maintain and improve the quality of life of the elderly and have a more comfortable and comfortable retirement life.

2. Children's education fund

Knowledge is the primary productive force, and the best way to acquire knowledge is to receive education. With the rapid development of society, more and more parents have realized the importance of education to their children's growth and future development, and are more willing to increase investment in education. Educational annuity insurance can give full play to its advantages, parents begin to save education funds for their children when they are young, and relieve financial pressure through a long period of apportionment.