Before you start buying annuity insurance, you must be careful about the pit of annuity insurance:
Knowing this trick, you can stay away from the 99% pit of annuity insurance.
1. What is the protection of Xinfulinmen Annuity Insurance?
If you are too lazy to read the terms, you can look at the essence of this new Fulinmen annuity insurance:
1. New Fulinmen Annuity Insurance Rules
According to the above figure, we can clearly see that the insurance age of the new Fulinmen annuity insurance is from 28 days after birth to 60 years old, while the basic annuity insurance can allow people aged 0-70 to take out insurance, so the insurance age limit of the new Fulinmen is relatively strict.
Xinfulinmen Annuity Insurance is such a product: fast return time and short guarantee. It is estimated that you can get a refund in five years at the earliest. Its guarantee period is 15 years, and it needs to be paid 10 years. Payment methods include monthly payment and annual payment. This product is fixed in the requirements of payment period and guarantee period, and this product is not practical enough for customers to choose flexibly.
2. The coverage of Xinfulinmen Annuity Insurance
The guarantee content of Xinfulinmen is relatively clear, including annuity protection, death protection and universal account income. The policy loan function helps to alleviate the shortage at hand.
(1) Annuity guarantee
The new Fulinmen annuity insurance can receive the annuity in the fifth year of the policy. You can get 65,438+000% premium every year from the fifth year to the ninth year, 50% premium every year from the tenth year to the fourteenth year, and 65,438+000% premium at the end of the fifteenth year.
(2) Death protection
For customers, the death protection of the new Fulinmen annuity insurance is still flawed, and the death protection of the insured only compensates the premium paid. Most annuity insurance is to pay the larger premium or cash value, which makes many people prefer it to customers.
(3) General account
When choosing a universal account, Xinfulinmen has the following four choices, which gives the insured more choices. You can choose New Zunbao Celebration Edition or Universal Account, New Yuanbao and New Zunbao (Lexin Edition). No matter which of the four universal accounts has a guaranteed income of 2.5%, the insured's money can be increased again.
Universal account can realize secondary appreciation, I believe everyone is more excited, but it is best to have a basic understanding of universal insurance first, and understand its highlights and shortcomings:
Universal insurance financing, stable and safe income? Universal insurance from the beginning!
2. What is the income of Xinfulinmen Annuity Insurance?
1, annuity income
Let's take a look at the annuity return of this new Fulinmen. This is a fixed payment, and we can calculate the specific amount of protection.
For example, when Mr. Li was 30 years old, he insured the new Fulinmen annuity insurance. There is no universal account attached, and the annual premium is 6,543.8+million, and during the period of 654.38+ 00, the premium is 6,543.8+00, with the insured amount of 355.0 10 yuan.
Since the age of 35, Mr. Li Can has received 100% premium every year, reaching 654.38+ten thousand yuan. At the age of 39, Tong will get 500,000 yuan. At the age of 40, I will receive 50% of the premium, 50,000 yuan per year. Then by the time you are 44, the total premium you receive will be 250,000. Generally speaking, if the insured receives 100% of the insured amount at the expiration of the term, then at the age of 45, there will be 335550 10 yuan, and105010 yuan is the final total amount that can be received.
The principal is less than the previous annuity 1050 10, and the internal rate of return 1.62%. In short, this rate of return is not high.
2. Death insurance
This new Fulinmen annuity insurance can only get the paid premium if it dies. Even so, the premium of this insurance will have greater cash value in the later period. After inflation, the premium paid is what the insured can only enjoy, and it is indeed a loss. The cash value of 35500 10/0 yuan is naturally reached in the last year of Xinfulinmen Annuity Insurance, which has exceeded twice the premium. However, if the customer dies, he can only get the depreciation premium of 100000.
3. General account income
We can't calculate the return because the return of universal account can't be calculated. If you want to predict the income, you can only do it according to the current settlement interest rate of the universal account.
This new Fulinmen annuity insurance product provides a guaranteed interest rate of 2.5%. According to the data of China Life Insurance, from September 2020 to 2026 54 38+ 10, the settlement interest rate of Xinzunbao has reached 5% for five consecutive months, which is 0.3% lower than before, which is not optimistic in terms of income.
Generally speaking, the main insurance income of China Life Xinfulinmen Annuity Insurance is not high, so basically everyone can't realize the income in the early stage, and the settlement interest rate of universal account is developing downward as a whole. In this case, it is difficult to get a settlement interest rate of 5.3%. If you want to insure, it is recommended to shop around, so that you can buy excellent products.
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