June annuity insurance list: education, pension, short-term fast return, all in one!

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Annuity insurance, a type of survival insurance.

It means that if you are still alive at the agreed age or time, you can receive a survival benefit as agreed.

The time, amount and frequency of annuity insurance are all 100% certain, written in black and white into the contract, and its main role is to plan for future life, so that money can pass through time safely and risk-free, and spend it in a specific period in the future.

Annuity insurance is generally divided into 3 categories: children's education pension, pension, and short-term fast return annuity. They play different roles, what are the good products on the market today? Feifei will make a list for everyone, well-reasoned, clear and clear! Don't worry about buying the wrong one!

1. Children's education annuity insurance

Support for children aged 0-12 years old, invest in the child's young age, and receive it every year for education expenses such as college and graduate school.

Product Recommendation:

• Bohai Life Rich Dad: The scheduled interest rate is 4.025%, the actual IRR compound interest is close to 4%, and the actual income within 20 years will increase the whole life, but only support single payment + addition;
• Fosun Prudential Star Baby: The scheduled interest rate is also 4.025%, and at the high school, university, and graduate levels, I receive a sum of money every year.
• Tian'an Life Daystar: From the age of 18, children receive a fixed amount every year until they are used for life.

For example: a 0-year-old female treasure, a one-time investment of 100,000

• Bohai Life Rich Dad: 18-21 years old college stage, 19,823 yuan per year, 21 years old contract expires, a one-time 140967 yuan, a cumulative amount of 220,261 yuan, IRR compound interest 3.94%
• Fosun Prudential Star Baby: 15-17 years old high school, 6394 yuan per year, 18-21 years old, 12789 yuan per year, 22-24 years old graduate school, 15986 yuan per year, 30 years old contract expired, 120,000 yuan at one time, cumulative 238,296 yuan, IRR compound interest 3.57%
• Tian'an Life Daystar: Starting from the age of 18, receive 6100 yuan per year, until life, IRR compound interest 3.24% at the age of 20, 3.31% at the age of 30, 3.37% at the age of 60

2. Endowment annuity insurance

Reserve pension funds in advance, the earliest men are 60 years old, women are 55 years old, annual / monthly fixed amount, how long to live, how long to receive, harvest a cash flow equal to life.

Product Recommendation:

• High collection amount: Xinghai Winner (Celebration Edition) Plan 1/Plan 2, Everyone Yangduoduo No. 3 guarantees to receive 10-year version/20-year edition, Love Life and Happy Yangduo, Evergrande North Star, Great Wall Badaling Collection Edition, Dingcheng Lifelong Care
• Underwritten by large companies: Everbright Sun Life (Wisdom Selection Edition), Fude Life Xin Jubilee

Take an example and feel the difference in the amount you receive each year:

30-year-old men, 50,000 a year, 10 years, 60 years old:

• Evergrande Polaris (Change Plan 1): Guaranteed to receive the remaining premiums paid, 81,500 yuan per year
• Great Wall Badaling Collection Edition (Plan 1): Keep until the age of 85, no guarantee to receive, receive 80,300 yuan per year
• Everyone Yangduoduo No. 3 (guaranteed to receive the 10-year version): 79100 yuan per year
• Xinghai Winner (Celebration Edition) Plan 2: Guaranteed to receive 77,629 yuan per year for 15 years
• Love Life 100-year-old life (Luxiang version) [Le Yangduo]: There is no guarantee to receive, and we will receive 75,000 yuan per year
• Dingcheng lifelong care pension annuity: guaranteed to receive 20 years, 74576 yuan per year
• Evergrande Polaris (basic plan), guaranteed to receive 20 years, 71985 yuan per year
• Everyone Yangduoduo No. 3 (guaranteed to receive the 20-year version): 71,700 yuan per year
• Xinghai Winner (Celebration Edition) Plan 1: Guaranteed to receive 71404 yuan per year for 20 years
• Great Wall Badaling Collection Edition (Plan 2): Guaranteed to receive 70,850 yuan per year for 20 years
• Fude Life Xin Jubilee: Guaranteed to receive 20 years, 70,650 yuan per year
• Pearl River Care Year: Guaranteed to receive 20 years, 70,628 yuan per year
• Everyone Xinyou enjoys [Fu Manman]: guaranteed to receive 20 years, 70,000 yuan per year
• Everbright Sun Life (Wisdom Selection Edition): Guaranteed to receive 20 years, 69,950 yuan per year
• Hengqin Caritas Jinsheng: guaranteed to receive until the age of 79, 69,100 yuan per year

30-year-old women, 50,000 a year, 10 years, 60 years old:

• Dingcheng Life Care for Life (Celebration Version): The guarantee period is 20 years, and the guarantee is 20 years, and the annual receipt is 74,900 yuan
• Evergrande Polaris (Change Plan 1): Guaranteed to receive the remaining premiums, 74170 yuan per year
• Great Wall Badaling Collection Edition (Plan 1): Guaranteed until the age of 85, no guarantee to receive, receive 74,000 yuan per year
• Everyone Yangduoduo No. 3 (guaranteed to receive the 10-year version): 73,000 yuan per year
• Xinghai Winner (Celebration Edition) Plan 2: Guaranteed to receive 15 years, 72678 yuan per year
• Dingcheng lifelong care pension annuity: guaranteed to receive 20 years, 72275 yuan per year
• Everyone Yangduoduo No. 3 (guaranteed to receive the 20-year version): 68850 yuan per year
• Evergrande Polaris (basic plan): guaranteed to receive 20 years, 68675 yuan per year
• Love Life 100-year-old life (Luxiang version) [Le Yangduo]: No guarantee to receive, 68570 yuan per year
• Xinghai Winner (Celebration Edition) Plan 1: Guaranteed to receive 68,512 yuan per year for 20 years
• Great Wall Badaling Collection Edition (Plan 2): Guaranteed to receive for 20 years, 68,050 yuan per year
• Fude Life Xin Jubilee: Guaranteed to receive 20 years, 68,000 yuan per year
• Everbright Sun Life (Wisdom Selection Edition): Guaranteed to receive 20 years, 67,600 yuan per year
• Everyone Xinyou enjoys [Fu Manman]: guaranteed to receive 20 years, 66750 yuan per year
• Pearl River Care Year: Guaranteed to receive 20 years, 66,679 yuan per year
• Hengqin Caritas Jinsheng: Guaranteed to receive until the age of 79, 66450 yuan per year

3. Short-term fast-return annuity insurance

Short-term financial management channels, product protection period of 10-30 years, the fastest 5th start to return money, due to receive a maturity payment, such products are not many choices.

Product Recommendation:

• Bohai Life Enjoy Jinsheng: minimum investment of 1,000 yuan, predetermined interest rate of 4.025%, 20-year IRR of more than 3.7%, can be docked with a guaranteed 3% universal account, the current settlement rate is 4.7%.

For example: 30 years old, female, one-time investment of 100,000

• Bohai Life Insurance double enjoy Jinsheng: in the 5th to 19th years, 1,000 yuan per year, 20-year contract expires, a one-time receipt of 188,609 yuan, a cumulative receipt of 203,509 yuan, IRR compound interest of 3.75%.
• Xiaokang Hengying annual annuity insurance: the 5th to 20th year, 4632 yuan per year, 20-year contract expires, a one-time payment of 100,000 yuan, a cumulative receipt of 174,112 yuan, IRR compound interest of 3.44%.
• Huaxia Red Diamond Enhanced Edition: In the 5th to 19th years, 7,000 yuan per year, when the 20-year contract expires, he receives 43,200 yuan at one time, and the cumulative receipt is 148,200 yuan, and the IRR compound interest is 2.86%.

30-year-old woman, 3 years of delivery, 50,000 per year, cumulative investment of 150,000

• Bohai Life Double Enjoy Jinsheng: In the 5th to 19th years, he receives 1,500 yuan per year, and when the 20-year contract expires, he receives 267,956 yuan at one time, with a cumulative amount of 290,456 yuan, and IRR compound interest of 3.68%.
• Xiaokang Hengying annual annuity insurance: 5-20 years, receive 6543 yuan per year, 20 years contract expires, receive 150,000 yuan at a time, a cumulative amount of 254,680 yuan, IRR compound interest 3.47%.
• Huaxia Red Diamond Enhanced Version: In the 5th to 19th years, receive 10,500 yuan per year, and when the 20-year contract expires, receive 52,150 yuan at one time, receive 209,650 yuan in total, and compound interest of 2.68% in IRR.

Annuity insurance, plan for the future today.

When and how much this money will be received in the future is 100% certain.

If there are clear funding needs, such as children's education, future retirement or short-term investment, you can consider investment.

If the capital demand is not clear, just want to keep and increase the value of the money, the increased whole life with strong flexibility and locked in the lifelong risk-free interest rate is more suitable~