Traditional Culture Encyclopedia - Traditional festivals - What is annuity insurance?
What is annuity insurance?
I. Main features of annuity insurance:
1. Forced savings
It can help us form the habit of saving. Under the unhealthy trend of consumerism, more and more people have become moonlight families, even in debt. Annuity insurance can help us save money and prepare for our future life.
2. Education and pension reserve
Annuity insurance can help us prepare a special fee in advance to ensure that our children can have a good education and a quality old age when their income is unstable or they lose their ability to work in old age.
3. Risk isolation
Annuity insurance can help us guard against risks such as debt and asset inheritance.
4. Strong operability
Annuity insurance only needs to be paid on time every year. In addition, the insured need not worry about anything else, and the insurance company will help manage the funds.
Step 5 clear the return
Annuity insurance can accurately estimate your income after decades. For example, if you buy a pension and plan how much you can receive after retirement, you can calculate the amount of annuity insurance and the payment period.
Second, the classification of annuity insurance:
1. Traditional type
The benefits of such products are written in the contract, and there are not so many miscellaneous return designs, which are clear and clear, and the predetermined interest rate is as much as possible. You can clearly see how much cash is in your account every year.
If you need to use large amounts of funds such as education funds and marriage funds, you can realize the purpose of returning them through the operation of reducing insurance. In order to meet the flexible capital appreciation, a universal account will be attached, which can save extra money, and the income is of course much higher than Alipay.
2. Dividend types
Dividend annuity insurance products are more common in insurance companies' products. The common product model is: the money will be paid back in the sixth year, and how much will be paid back every year until how old you are. In the name of the survival fund. Then the reduction of insurance in a certain year is called education fund, marriage fund and so on.
Third, the role of annuity insurance:
Annuity insurance is not suitable for everyone. If you belong to the following group, annuity insurance will play a very important role for you.
1. People with financial conditions
The initial investment of pure pension annuity insurance will be relatively high, generally starting from 5,000 yuan, three years a year10.5 million. Some people think that three years10.5 million is ok, but it can only be allocated with spare money on the premise of sufficient guarantee, which is what Dad will say next.
2. Adequate protection.
A major prerequisite for the allocation of annuity insurance is that the types of insurance against disease risks have been fully configured, including critical illness insurance and millions of medical insurance.
You know, if you don't have enough security and just want to manage your finances, then in the face of illness, you won't have the money to manage your finances, and a family or a person will bear great economic pressure. Therefore, before configuring annuity insurance, we must do enough protection.
3. Have spare money to plan for children's future.
After the protection of family members is done, if there is spare money, you can configure a short-term annuity insurance for your child at home for future education and entrepreneurship.
Therefore, annuity insurance can be ignored before it is guaranteed. After all, in the face of serious diseases, the protection of diseases can play a certain role.
Fourth, how to choose annuity insurance?
As a financial investment product, annuity insurance must think clearly about its own use plan. Are you going to use it for old-age care? Or as an education fund? In the expected year, there may be capital expenditure. The cash value growth rate of different products is different. Some products have to pay the premium, and some products need 15 years of cash value to catch up with the premium. If the demand for funds is raised at the wrong time, it may be a loss.
In order to meet the demand for funds, many products are designed with fixed income, some are transferred to universal accounts, some are allocated large amounts of funds at key nodes, and some are designed with operations of increasing and decreasing insurance. Therefore, it is very important to list your own needs and then choose products according to them. In addition, the investment proportion of annuity insurance should be well controlled, and everyone can adjust it according to their own economic situation and actual needs.
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