Traditional Culture Encyclopedia - Traditional festivals - Are there any good products worth buying for Ping An Pension Insurance? Ask for recommendation
Are there any good products worth buying for Ping An Pension Insurance? Ask for recommendation
Annuity insurance means that the applicant or the insured pays the insurance premium in one lump sum or on schedule, and the insurer pays the insurance premium on an annual, semi-annual, quarterly or monthly basis on the condition that the insured survives until the insured dies or the insurance contract expires. To put it simply, it is insurance that pays money on a monthly or annual basis when you are young, and you can get money regularly when you reach a certain age requirement. We often hear about pensions and education subsidies, which are all different forms of annuity insurance.
The income of annuity insurance is not high, the actual maximum income is about 4%, but its income is very stable, and the amount that can be received every year is clearly stipulated in the contract.
Second, how to choose Ping An endowment insurance products?
Ping An Insurance Mall sells a variety of annuity insurance products, such as Ping An Fuyou Life Annuity Insurance and Ping An Jixing Yingrui Annuity Insurance. There is no absolutely omnipotent "good product", and insurance products should be selected according to their actual situation and needs. So how to choose the right annuity insurance products?
1. Determine the purpose
There are many types of annuity insurance and different products have different functions. You can choose the right product according to your own financial purposes. The functions of annuity insurance include: general financial investment (long-term investment), children's insurance (mainly used for obtaining education funds and wealth inheritance), endowment insurance (mainly used for providing for the aged), whole life insurance (mainly used for wealth inheritance) and so on. For example, pension annuity insurance mainly plays the role of providing for the aged. In order to avoid the loss of pension due to the short life of the insured, most products promise to guarantee the collection period (10 or 20 years). If they die before the collection period, the remaining unpaid amount can be given to the designated beneficiary, and the collection amount is more than other products.
2. Determine the collection method
At present, there are three ways to collect Ping 'an endowment insurance: fixed term, fixed amount and lump-sum deposit and withdrawal. Wholesale collar is a way for the insured to withdraw all the pensions at the appointed time. The fixed collection method is to determine the collection amount within the unit time until the insured receives all the insurance money. At a fixed time, the insured shall determine the amount to receive according to the total amount of insurance money at the agreed time. Consumers can choose according to their personal preferences.
3. Insurance amount
Ping An's annuity insurance has dividends, which belongs to dividend annuity insurance. The price is higher, but the future premium will remain at a higher level.
4. Cash value of the policy
How much can I get for an annuity? It's all in the future. The cash value is how much money we can withdraw when we surrender. The cash value of an annuity insurance is variable and changes every year. The value of cash has different importance to different people. For example, for the working class, it is more suitable for them to buy a low-current pension and exchange less money for more pensions.
Third, analysis of popular products of Ping An endowment insurance
1. Safe wealth is enjoyment.
(1) Advantages
① Long collection period
The guarantee period of wealth enjoyment is lifelong, and you can receive an annuity for life from the fifth year, providing a stable and continuous cash flow.
② Additional exemptions are flexible.
Fortune Xinxiang can flexibly attach exemption insurance. If the insured or the insured is light/heavy/completely disabled or dies according to the contract, the subsequent premium can be exempted and the insurance contract is still valid.
③ You can enjoy dividend income.
Newly-enjoyed wealth can be added to Zengbao's annuity insurance, and the survival fund can enter dividend insurance, so as to increase the amount of additional insurance and enjoy dividend income.
(2) Disadvantages
① No universal account is attached.
Wealth enjoyment is not attached to the universal account, which means that the returned money cannot be added twice through the universal account.
② There is no protection function for diseases.
Wealth sharing is an annuity insurance, which can be used for wealth planning, but it has no related disease protection function.
③ The overall income is average.
Wealth enjoyment is an annuity insurance of Ping An, with no universal account, rich and flexible additional risks and long fixed collection period, but the overall income is average.
2. Ping An Wealth Jin Rui
(1) Advantages
① Comprehensive disease protection.
It not only adds two additional health risks, but also upgrades the form of general typical annuity insurance without health protection. However, compared with critical illness insurance and medical insurance, supplementary health insurance has smaller coverage and lower compensation amount.
② Insurance coverage is wider.
Compared with other products, this product covers a wider age.
③ The setting of death fund is meticulous and scientific.
There are weighted compensation coefficients of different ages, which are divided into 18 years old, 40 years old and 60 years old, generating coefficients of 1.6 times, 1.4 times and 1.2 times. This setting is more detailed and scientific.
④ Policy loan
Not more than 80% of the cash value of the main insurance contract after deducting various expenses. It increases the flexibility of cash flow, which is really useful when you need money badly, which is equivalent to taking out compulsory time deposits in advance.
(2) Disadvantages
The overall income is average. The product has a long fixed collection period and many additional services, but the overall income is average.
Finally, the choice of annuity insurance products should be based on their own needs, and do not blindly follow the crowd. While pursuing safety and stability, try to choose products with high income level.
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