What kinds of annuity insurance are there?

Annuity insurance can be mainly divided into traditional annuity insurance, dividend annuity insurance and universal annuity insurance. ?

1, traditional annuity insurance?

Traditional annuity insurance is easy to understand. The insured pays according to the contract, and the insurance company pays the insured's insurance money according to the agreed time and method. ?

Generally, the income is relatively fixed, as much as agreed in the contract, which is suitable for people who spend money lavishly and have poor temperance. ?

2. Dividend annuity insurance?

The income of dividend annuity insurance consists of main insurance income and dividend income. When many insurance agents sell products offline, they like to equate buying dividend annuity insurance with becoming a shareholder of the company. ?

However, this is just a kind of sales rhetoric of sales staff. Choosing dividend annuity insurance mainly depends on the main insurance income, which is fixed. The main insurance income of dividend annuity insurance is generally lower than that of traditional annuity insurance. ?

Therefore, the actual income from purchasing dividend annuity insurance depends on the operating ability of the insurance company. If an insurance company has strong operational ability, its income will be high, while its ability will be weak, its income will be low.

3. Universal annuity insurance?

The composition of universal annuity insurance is relatively complicated. Simply put, it consists of a security account and a universal account. ?

The income in the protection account refers to the money that we can definitely get, that is, the main insurance income, but this main insurance income is also lower than the traditional annuity insurance. ?

The income in the universal account is uncertain. After deducting some upfront expenses and guarantee costs, the premium will enter the personal universal account for secondary appreciation. ?

Generally speaking, universal annuity insurance is more flexible, and you can deposit and withdraw money and adjust the insured amount at any time.

Finally, dad reminds everyone that before buying annuity insurance, you must read: annuity insurance pit prevention guide! 》