So what is the performance of this product? How is the income? Senior sister will analyze with you ~
If you can't stay and finish reading this article, you can find it and keep it:
"XinXiBao take a lot of money every year? This interest rate makes me dare not even think about it ... "
1. What is the income of Xinxibao Annuity Insurance?
If nothing else, you can first understand the protection content of Xiexin Xibao Annuity Insurance:
We can see that at first glance, the coverage of Xin Xibao annuity insurance is quite rich, including survival annuity+special care fund+nursing fund+death insurance, plus critical illness insurance and universal account. Isn't this the universal insurance in many people's minds?
However, everyone is mainly concerned about the income of Xinxibao Annuity Insurance. Let's discuss it together.
If Wang Mai, a 30-year-old old man, has this Xin Xibao annuity insurance, the first-year premium will be 50,000, and it will be paid in ten years. See the following figure for detailed derivation of internal rate of return:
Although at first glance, 35 years old can get 50 thousand, 25 thousand a year. By the end of 20 years, you can get a one-time basic insurance guarantee of 25,000 yuan+219,250 yuan. That's a lot.
But in fact, the irr after the expiration of Xinxibao Annuity Insurance is only 2.87%. Generally, the Irr of excellent financial insurance in the market will not be lower than 3.5% (under the same conditions). In fact, the income of Xin Xibao annuity insurance is very general.
Of course, some friends will say that the salesman said that the main insurance income is not high, and this universal account that can be attached still has income, and it is very good, up to 5%. But in fact, there is such a good thing ... Let's study the universal account of Xin Xibao together:
A * * * has two universal accounts for Xibao annuity insurance. The difference lies in the difference between the initial expenses deduction ratio and the death insurance premium, and finally there are obvious differences in extra expenses and after-sales benefits.
As can be seen from the table, some people like this universal account because there are too many expenses to be deducted. Let's take Lao Wang as an example to help you understand this matter. If Lao Wang chooses to attach Xinyuan Baolexin universal account when purchasing the insurance product, then the veteran will get the first survival fund of 50,000 yuan, which will automatically enter the universal account. The first thing to do after entering is to deduct the joining fee of 65438.
In addition to the above aspects, the risk protection fee will be deducted every year. This risk protection fee is really awesome and will increase with age. Assuming that the risk coverage is100000, the 40-year-old male needs to pay 165 yuan, and the 50-year-old male needs to pay 425 yuan. Faced with such a deduction every year, is the income high?
If the insured doesn't want this universal account and wants to get his money back, but if the insured wants to get it for free, it must be after the sixth year of the policy year, otherwise it will cost 5% more in the first year when the policy takes effect.
Therefore, there are a lot of tricks hidden in this universal account, so you need to pay attention when buying. As for the details, senior sister can't show them to everyone. If you want to know the secret of universal account, I recommend you to read the following article:
"Is universal insurance really that good? Come and have a look! 》
Second, the insurance value of Xinxibao Annuity is not worth recommending to buy.
Senior sister has made a detailed understanding of Xin Xibao annuity insurance, and most people should understand it. Indeed, the income of Xinxibao annuity insurance is not ideal, and there are many pits in the universal account, which most people can't tell. For this product, senior sister thinks it is not worth buying ~
If you want more annuity insurance benefits, you can look at some excellent annuity insurance summarized by your senior sister to buy:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!