Does China Life enjoy Jinsheng Annuity Insurance (Section B)? How to buy?

Guo Shouxin enjoys Jinsheng Annuity Insurance (B), which is very popular on the Internet. I heard that the cost performance is very high. Many friends are asking, is Guo Shouxin really so cost-effective when he enjoys Jinsheng Annuity Insurance (B)? Is it really worth buying?

The following sister will give you an in-depth evaluation! The following article can help you get familiar with annuity insurance in advance. If you don't know, let's take a look:

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

Next, the senior sister will take a look at the product of Guoshouxin's golden life annuity insurance.

1. What is the income from the new golden life annuity insurance of China Life?

To put it bluntly, let's take a look at the protection content of China Life's new golden life annuity insurance:

The above protection map brings us China Renshouxin Jinsheng Annuity Insurance, which is an annuity insurance with short insurance period and protection period. The payment period is within 10 years, and the guarantee period is 15 years.

The coverage provided by China Life Insurance is roughly divided into four parts. If you want to learn from your sister, I will explain it to you slowly.

Take Xiao Wang, a 30-year-old boy, for example. The annual premium of this product is 50,000 yuan. Coverage includes:

1, special survival insurance: 50,000 * 2 = 65438+ 10,000 can be collected in the two years when you are 35-36 years old.

2. Survival insurance: 37-44 years old, you can get 50,000 * 65% = 32,500 every year, one * * *, you can get 8 years, and finally you can get 32,500 * 8 = 260,000.

3. Maturity survival fund: If Xiao Wang is still alive at maturity, he can receive 203 155 yuan at the age of 45.

4. Death insurance: you can get 500,000 insurance money, but Xiao Wang must be within the guarantee period when he dies.

Guo Shouxin bought Jinsheng annuity insurance for a long time, but he couldn't see whether it was a profit or a loss.

Senior sister has already said the result, that is: Guo Shouxin enjoys Jinsheng annuity insurance to make money, but the money he earns is really too little!

If Xiao Wang's insurance period has expired, but he is still alive, he can receive special survival fund+survival insurance fund+maturity survival fund = 56.5438+0 15000 yuan. If you want a net profit of 63115,000 yuan, you can invest 500,000 yuan in principal, earning about 6,300 yuan on average every year, but the IRR is only 2. 13%! There is really enough water! Many people don't know much about the annualized rate of return of Alipay's Yu 'ebao, which has reached more than 2.2%.

Therefore, for China Life Insurance, it is better to choose these annuity insurances with a rate of return above 3%.

"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》

However, low income is not the most embarrassing place for Guo Shouxin to enjoy Jinsheng annuity insurance. I learned that Guo Shouxin's Jinsheng annuity insurance still has these pits!

2. What are the tricks for China Life to enjoy Jinsheng Annuity Insurance?

1. China Life Xin's Jinsheng Annuity Insurance has poor death protection.

In case of accidental death, China Life's Golden Life Annuity Insurance only compensates the premium paid. It can be said that this makes people feel a little safe.

2. Guo Shouxin who enjoys Jinsheng annuity insurance has no premium exemption.

Guo Shouxin enjoys Jinsheng annuity insurance, and the payment period is 10 year, which is 2/3 of the guarantee period. The payment period is as long as 10 years, and one-day premium exemption should be allocated, but there is no one. If you are unfortunately sick or accidentally disabled during the payment period, even so, the premium will still be paid, indicating that it has not put itself in the consumer's shoes!

If there are still small partners who don't know what premium exemption is, you can learn about it through this article:

Will the premium be exempted? Do I have to choose insurance? 》

Overall, China Life's new Golden Life Annuity Insurance (Section B) is not very cost-effective. It does not include total disability protection, and the content of protection is not very comprehensive. In addition, its payment method is relatively simple, the death protection is relatively poor, and there is no premium exemption. So, on the whole, it is not worth buying.

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

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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!