Due to the impact of the integration of newspapers and banks, annuity insurance has also stopped selling many high-quality products last month.
For example, raising Duoduo No. 5, Dragon Raising 2.0 and so on.
It's a pity that we didn't catch up, but we can still be in the products currently on sale,
Preferential Insurance!
According to the starting age, how much I receive, surrender IRR and other high-quality services,
Several first-tier pension insurance products on the market have been screened:
Xinxi Nian Exclusive Edition, Years of Appointment (Dividend), Fumanman No. 5 (Dividend) and Great Wall Badaling Red Rabbit Edition.
Let's take a look at which one is more worth getting!
Fast Track >> click here:
01
What are the annuity insurance policies worth buying?
I've put together a table of basic information for a few products:
PS: We will put the policy benefit calculation and comparison in the back, and anxious friends can jump to the back to see it first~
A few key points:
1. Annuity payment
Except for the Great Wall Badaling Red Rabbit Edition, they all support monthly collar or annual collar,
The Great Wall Badaling Red Rabbit Edition collection design is a bit "different":
You can choose to claim from the 5th/7th/10th/15th/20th policy anniversary to meet the asset planning needs of more users.
In the guarantee of receipt,
Only the years have an appointment (dividend) and Fumanman No. 5 (dividend), these two products are guaranteed to be received,
The former is guaranteed for 25 years and the latter is guaranteed for 20 years.
Guaranteed receipt is relatively speaking, it is more suitable for people who want to have a stable guaranteed benefit.
After receiving the annuity, these products still have a current price, and the current price lasts for a very long time:
- Xinxi Nian Nian Exclusive Edition, Great Wall Badaling Red Rabbit Edition: The current price lasts for life;
- Years of Appointment (Dividend), Fumanman No. 5 (Dividend): The current price lasts until the age of 85.
If you like the duration of the current price, you can focus on the Xinxi Nian Exclusive Edition and the Great Wall Badaling Red Rabbit Edition.
2. Death benefit
Although these products have their own styles, they also have the same features:
For example, if you die before you receive it, you will basically pay the premium paid or the current price is larger.
If there is no guarantee to be claimed, the compensation content will be slightly different for different products.
If there is a guaranteed claim and you die within the guaranteed payment period,
For example, there is an appointment with the years (dividend) and Fumanman No. 5 (dividend),
It is a compensation: the total amount of guaranteed annuity - annuity received.
Death after receiving the guarantee usually means that there is no death benefit.
This method can solve the embarrassment of dying within a few years of receiving the annuity, but you can only get back the premium from decades ago.
It is also the form of pension products suitable for the most people at present.
If you are interested in death protection, you can focus on these two products.
3. Other guarantees
These products have universal accounts,
Except for the Age Appointment (Dividend) which is mandatory, the other three are optional benefits.
The guaranteed interest rate is 2%, which is the highest yield that can be given at present.
Years have an appointment (dividend) and Fumanman No. 5 (dividend) to meet a certain premium,
You can also live in a high-end pension community, and friends who have requirements for the quality of future pensions,
You can focus on these two products.
For more special benefits, you can consult a planner here.
02
Which one is more profitable?
Of course, the income issue that everyone is most concerned about, we have also compiled a comparison table,
Take a 30-year-old man who pays 100,000 yuan a year, pays for 10 years, and receives it at the age of 60 as an example:
PS: The universal account that has been selected by the years is Jiafu No. 1;
The Great Wall Badaling Red Rabbit Edition shows the Pratt & Whitney Plan, which will be received on the 20th policy day (i.e. 50 years old).
Let's take a look:
1. Annuity payment
The Great Wall Badaling Red Rabbit Edition began to receive it at the age of 50, and it can receive 50,200 yuan per year;
If you want to pick it up as soon as possible, this product is good.
Several other products start to receive annuities at the age of 60,
- Xinxi New Year Exclusive Edition: 124,800 yuan for 1 year and 90,900 yuan for 2 years;
- There is an appointment for years (dividend): 75,556 yuan per year;
- Fuman No. 5 (dividend): 85,220 yuan per year.
Judging from the annual annuity collection, the Xinxi annual premium version is firmly in the first place,
It is followed by Fumanman No. 5 (dividend), Years and Appointments (dividend) and the Great Wall Badaling Red Rabbit Edition.
Fancy the high receiving, Xinxi Nian Nian Premium Edition is still a good choice.
2. Cash value
We mentioned earlier that the Xinxi Nian Exclusive Edition, the Great Wall Badaling Red Rabbit Edition, are all lifetime current prices,
Relatively speaking, the Xinxi Nian Exclusive Edition Plan 2, the current price in the early stage grew faster.
This also means that the time for the return of funds for this product is a little faster.
Although the current price of the (dividend) only lasts until the age of 85,
But if the annuity and dividends are not in a hurry to use, and all of them are put into the universal account to increase in value,
The total account return in the later period is still good, and the maximum surrender IRR may exceed 3.9%.
In the same way, after the bonus benefits of Fuman No. 5 (dividend) are superimposed, the overall surrender IRR is expected to exceed 4%!
Xinxi Nian Exclusive Edition Plan 1 is also good, the annual annuity is high, and the current price of the year is superimposed.
Surrender yield up to 3.931%!
So how to choose these products?
If you hope to receive more pension every year after retirement, and at the same time take into account the flexible use of funds, you can consider the Xinxi Nian Exclusive Edition;
If you like a big brand, guarantee the time to receive it, and want to win higher returns, you can consider the years of appointment (dividend) and Fuman No. 5 (dividend);
If you want to receive it as soon as possible and fancy the flexible use of funds, you can consider the Great Wall Badaling Red Rabbit Edition.
03
Daddy concluded
Pension is a life issue that everyone needs to face.
In an era of declining interest rates,
In addition to saving money and buying treasury bonds, pension insurance is undoubtedly a good choice.
From the date of application, you can know how much money you can receive every year or every month after retirement.
The interest rate is locked for life, safe and stable.
If you also have a retirement plan, the above products are good choices!
If you have any questions, please click here