What about Xinyu Jinsheng?

1, not bad, the protection is relatively high, the income has been determined at the time of insurance, and the return is fixed. Xinyu Jinsheng's insurance period is 8 years, and the survival annuity can be returned from the seventh year until the seventh year. At the expiration of the insurance period, the insured can also receive a one-time amount of 100%.

2. This product can also be matched with universal account. Unpaid annuities or extra spare money can enter the universal account to realize the second appreciation of wealth. There are three universal accounts to choose from, among which Xin Zunbao's low interest rate of capital preservation is 2.5%, which is not bad, but the actual income still depends on the actual income.

3. First of all, Xinyu Jinsheng is an old-age security, which belongs to a class of life insurance, that is, life insurance also guarantees life, and death insurance benefits are paid during the insurance period; If the insurance period still exists after the expiration, the insurance premium will be paid. Secondly, Xinyu Jinsheng belongs to the quick return old-age security, because it is restricted by the regulatory document 134. Therefore, it is currently called "quick return" old-age security and "quick return" annuity insurance. Finally, the attached Xinzunbao universal account belongs to whole life insurance universal account, with guaranteed annual interest rate of 2.5%, and unlimited collection, but the corresponding handling fee will be charged when it is converted into insurance premium.

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First, the advantages and disadvantages of Xinyu Jinsheng annuity insurance

1, advantages:

(1) Get the money quickly

Pay the fee in 3 years, and you can start to receive the money in 2 years, that is, in the fifth year after the payment is over, and the time to receive the money is relatively fast.

(2) It can be matched with universal account to obtain higher income.

There are three universal accounts to choose from, and you can get higher returns with any one.

Disadvantages:

(1) The yield of main insurance is low.

If it doesn't match the universal account, the income of this product is only 1.59%, which is relatively low.

Second, Xinyu Jinsheng Annuity Insurance, who is suitable for purchase?

Generally speaking, Xinyu Jinsheng annuity insurance, if not matched with universal account, has a very low yield of less than 3%. If you pursue higher income, then it is not recommended to start with this product. Annuity insurance, its main function is to help us get a safe and stable income. In the initial stage of investment, the income of annuity insurance is actually not high, which may not be as good as that of bank deposits (3.25%). Therefore, it is unrealistic to get a rich sum of money quickly by annuity insurance.