We have reviewed many pension insurance products before,
Most of them can only accept people around the age of 60.
If you are a little older, that is, if you have reached the statutory retirement age and want to choose a favorite product,
It's not that easy.
However, recently, Li'an Life Insurance has launched a new one-Li'an Anxiang Yisheng (Green Pine Edition) pension insurance,
It can support people up to 80 years old to be insured, and they can start receiving pensions the following year after they are enrolled.
It sounds pretty good, let's take a look at the actual situation of the product,
Is it worth it? Who is it suitable for?
For quick enquiries, click here:
01
What are the advantages of Li'an Ann Enjoying Life (Green Pine Edition)?
I have summarized the basic information sheet of this product for you:
Li'an Anxiang Yisheng (Green Pine Edition) is a little different from other products:
First, the warranty period is only 20 years, which is slightly shorter than most lifetime products;
The second is the starting time, generally speaking, most annuity insurance is 55/60/65/70 years old.
The second year after the effective date of the first policy year, that is, the second year.
For friends who want to pick it up as soon as possible, this design is simply not too intimate.
Let's take a look at the advantages of the product:
1. After the expiration of the guarantee, you can receive another maturity payment
Whether it is the first protection plan or the second protection plan, the 20-year protection period is up.
can receive a lump sum payment:
- Protection Plan 1: The maturity payment received is the accumulated premium paid;
- Protection Plan 2: The maturity payment received is the basic sum insured.
Comparatively speaking, more money can be received after the expiration of the protection plan;
And the second protection plan will be a little less.
This is also related to the design of the product's income.
For the same conditions, the first guarantee plan will be less, and the second guarantee plan will be a little more.
The specific differences will be compared in detail later.
Therefore, the first security plan is suitable for the elderly who are not particularly short of pensions and want to save this money for their children;
The second security plan is suitable for the elderly who do not have much pension and are used to supplement the old-age pension.
2. It can be connected to the universal account
Li'an Anxiang Yisheng (Green Pine Version) can be attached to An Xinying (Premium Version) Universal Insurance,
The guaranteed interest is 2%, and the latest settlement rate is 3.5%.
Although the current universal account settlement interest rate is also decreasing, it can be attached.
At least one more tool that can lock in interest rates, in case of subsequent easing on hand,
If you want to continue to save money, it is also a good secondary value-added tool.
02
How much can I get for Li'an Anxiang Yisheng (Green Pine Edition)?
What is the difference between the two different protection plans of Li'an Anxiang Yisheng (Green Pine Edition)?
I take a 60-year-old man who pays 100,000 yuan a year for 5 years as an example:
As you can see,
From the age of 61 you can start receiving a pension:
Guarantee plan 1 can receive 9,300 yuan per year; The second guarantee plan can receive 27,300 yuan per year.
The amount of benefit plan 2 is much higher.
After 20 years of accumulation,
The first guarantee plan received 176,700 yuan; The second guarantee plan received 518,700 yuan.
The second basic protection plan has already been recovered.
And after expiration, as we mentioned earlier, you can also receive another maturity payment:
The first guarantee plan is 500,000; The second guarantee plan is 27,300 yuan.
Cumulative pension + maturity payment:
A total of 676,700 yuan was received for the security plan;
The second guarantee plan has a total of 546,000 yuan.
Some people may worry that if the old man dies before he lives for 20 years,
What to do, will this money be wasted?
Don't worry, the product itself will also have a death benefit, and the sum insured is relatively high.
03
What is the strength of this insurance company?
After understanding the product, let's take a look at the big guy behind Li'an Anxiang Yisheng (Green Pine Edition) - Li'an Life.
Li'an Life Insurance was established in July 2011 with a registered capital of 4.579 billion yuan and is headquartered in Nanjing.
It is composed of 5 large state-owned enterprises and 5 well-known private enterprises:
The comprehensive strength ranks among the top 30 life insurance companies in the country!
More than 200 institutions at all levels have been set up in 9 provinces/municipalities directly under the central government, including Jiangsu, Anhui, Henan, Beijing, Hebei, Shandong, Sichuan, Shanghai and Hunan.
Let's take a look at its comprehensive solvency:
The core solvency adequacy ratio was 99.71%; The consolidated solvency adequacy ratio was 168.33%
The latest risk rating is B.
All meet regulatory requirements!
Overall, the strength of Li'an Life Insurance is still good.
04
Daddy concluded
For older users, Li'an Anxiang Yisheng (Green Pine Edition) is also a good high-quality product on the market.
With two insurance schemes, you can receive a pension from the second year, and the payment time is very fast.
Protection plan 1 is more suitable for "saving money", receiving a little "interest" every year to spend, and getting back the principal when it expires.
Suitable for parents who want to save money or focus on wealth inheritance.
The second protection plan is more suitable for "using money", the annual receipt is high, and a small amount of extra money will be received when it expires.
It is suitable for parents to use as a supplement for the elderly.
If you don't know how to choose, or want to know more about the product,
Feel free to contact us here