What are the benefits of buying annuity insurance?

At present, more and more people are taking out annuity insurance, which is worth encouraging. However, when buying insurance, many people will ask, what insurance is better? What should I pay attention to before buying? Today, Senior Sister will teach you how to insure annuity insurance correctly. How to choose the annuity insurance that suits you?

There will be many professional words in the article. You might as well know some basic knowledge of insurance first, so that you can understand the following article more easily:

Before buying insurance, you must first understand these key knowledge points! 》

1. What are the annuity insurances and what are the differences between products?

The annuity insurance in the existing market can be divided into three categories, namely, traditional annuity insurance, dividend annuity insurance and universal annuity insurance. The key to distinguish them lies in the difference of product guarantee content and bias, as follows:

1, traditional annuity insurance.

The traditional annuity insurance is to let the insured sign a performance contract with the insurance company, and both parties agree on the time to receive the pension and the specific insurance amount. Basically, the predetermined interest rate of this product is stable, generally at 3.5%. Personally, I suggest choosing this kind of pure pension products, because pension needs to be determined for the future. It is those who are conservative in investment and financial management, and their main purpose is to provide for the elderly with compulsory savings.

2. Dividend annuity insurance.

Dividend annuity insurance usually has a guaranteed rate of return, but the interest rate is lower than that of traditional pension insurance, usually only 1.5%-2.0%. Dividend insurance can not only have a fixed minimum income, but also have an uncertain dividend every year. Because we can't determine the amount of dividends, whether there are dividends or not, and how much dividends there are, it is usually linked to the operating conditions of insurance companies, and the income will also be affected by the operating conditions of the companies. Poor performance may also cause losses to ourselves. Suitable for people: people who need to ensure the minimum income of pension, but want more income.

If you don't know much about dividend insurance, don't miss this article:

Dividend insurance that the salesperson won't tell you.

3. Universal annuity insurance.

Under normal circumstances, the combination of universal annuity insurance and quick return annuity generally has a guaranteed income of 1.75%-3%, and the monthly settlement interest rate of universal pension insurance will be announced, mostly 4%-5%, and the compound interest will increase further every month. However, universal insurance should generally be paid by individuals, and the collection of funds other than initial expenses and account management fees should not exceed 20%. Can meet the insurance needs of rational investment managers, adhere to long-term investment, and have strong self-control ability.

Second, how to choose the annuity insurance that suits you?

How to start with the annuity insurance that suits you, you must first understand your specific needs and refer to the actual situation, such as:

(1) Whether to consider asset inheritance or other uses, or simply to make pension reserves;

(2) Whether there is a requirement for fund flexibility to facilitate subsequent turnover;

(2) Are you worried about inflation and hope to find a sound financial management method?

When we encounter the above situation, we should pay attention to two points when choosing products:

(1) See whether the amount is written into the contract and confirm the collection.

Many pension annuity insurance is dividend insurance, and the salesman uses the highest income as a demonstration, which is actually just a hidden mirror and cannot provide protection;

(2) See if it can be paid for life.

Some products can only be given to 70-year-olds and 75-year-olds, and now they are different from before. The level of medical care has been significantly improved, and the average life expectancy has been much higher than before. We should pay attention to the risk of longevity. If you can't guarantee your life, then this pension is meaningless.

According to the above two points, it is not easy to get confused when choosing an annuity!

Summary:

Annuity insurance will write the return in the contract. Even if the market fluctuates and the economy stagnates, even if there is a financial crisis, insurance will not be affected. Insurance companies will still pay annuities according to contracts, so annuity insurance can be used to allocate assets.

If you want to choose annuity insurance, you can learn about relevant annuity insurance products after your health protection plan is completed. If you are worried about stepping on the pit, you can take a good look at the following detailed popular science article:

Learn this trick and stay away from the 99% pit of annuity insurance.

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!