Is pension insurance worth buying? What does the guarantee responsibility include?

As a popular product at present, pension annuity insurance makes many friends want to start.

So is this product good or not? Is it worth buying? Let's give you an evaluation.

1. What is the protection of Fude life pension annuity insurance?

You can first look at the protection essence map compiled by senior sister:

Retirement pension can be divided into annuity insurance products, and Fude Life Life is responsible for underwriting responsibility, and the guarantee period is life, or 55 or 60 years old.

It is also possible to receive the basic insurance amount at one time or on a monthly basis, which provides customers with flexible choice space. In addition, the collection time is the same as our statutory retirement time, which plays a seamless role.

Retirement pension includes a series of security contents such as pension, death, policy loan, etc. See how much it can get first, and see if this level meets your requirements.

(1) Pension annuity

However, when women reach the age of 55 and men reach the age of 60, they begin to provide retirement pensions, so they can choose to receive them in one lump sum or monthly. In that case, how much can you get? Next, for example, 30-year-old Mr. Zhou spends 2 1.600 yuan on insurance every year and 2 1.600 yuan every ten years, with the insured amount of 469,740 yuan. If you want to receive it in one lump sum, you can get all the insured amount back after the insured reaches the age of 60.

It may be a little more complicated if it is paid monthly. The amount received is: monthly amount = insured amount × (monthly amount of male/female pension/10000), and the pension is paid in fixed amount 10000 yuan per month. Men and women are different. See the table below for specific values. According to the formula, if Mr. Zhou receives a monthly pension, he can get a pension of 4699.

However, if you choose to receive it monthly, you can guarantee to pay for 20 years. If you die unfortunately and don't get enough for 20 years, your family can get the remaining survival annuity during the period. If it is more than 20 years, the insured will take it as long as he is alive, and will not provide survival money to his family after death.

(2) Death insurance

This insurance covers the responsibility of death protection. If the insured dies before receiving the pension, the insurance company will return the full premium, but if the cash value of the policy is more expensive than the premium, it will return the cash value to the customer. Choose the one with the greatest return on premium and policy cash value, and take the best of both for the sake of customers.

(3) Policy loans

The insured who supports old-age insurance can apply for a loan with the policy, but generally it does not exceed 80% of the cash value of the policy, and can turn around when the money is urgently needed.

If you want to get stable happiness, the support of old-age insurance is very good. However, if there are requirements for income, I suggest you choose universal account insurance. You can look at this pile of high-quality products analyzed by Senior Sister:

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

Second, what are the misunderstandings in purchasing annuity insurance?

The choice of annuity insurance is not easy. The following are some common misunderstandings when some people choose annuity insurance. Don't step on the pit.

1, only looking at high returns

Most of the annuity income calculated for customers is calculated according to the current settlement interest rate (such as 5.0%, 5.3%, etc.). ), even according to the interest rate of 6.0%, so as to grasp the psychology of customers to obtain high returns. Before the end of the year, it can not only provide a safe and stable guarantee income, but also ensure the income. Without this premise, exaggerated gains may be castles in the air.

Last year, the company still had such a high profit, but this year, due to the comprehensive influence of various factors, it may not reach the high profit level of last year, which is normal.

2. only look at big companies

If it is on the basis of high-yield demonstration, plus the suffix "big company" brand, it may become the reputation of "settlement for you at such a high interest rate in the future". Absolutely no company dares to make such a promise, especially in today's economic situation where interest rates are falling. Insurance products ultimately depend on the terms of the contract. In the contract, look for the guaranteed interest rate first, and then look at the current settlement interest rate.

If you have to look at the insurance company before deciding whether to insure, don't just look at the brand, but also understand the following points to analyze the quality of the insurance company:

"What should we pay attention to when we pay attention to insurance companies? 》

3. only look at short-term benefits.

Annuity is actually a product that can lock in long-term interest rate and plan cash flow reasonably. You must not buy because of high short-term returns. If it is endowment insurance, you need to fully consider the problem of inflation in the later period. If the amount of enjoyment in the later period is relatively low, it will be difficult to guarantee our old-age care.

More detailed dry goods knowledge about purchasing annuity insurance is below. Read this article with my senior:

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

Generally speaking, the coverage of pension annuity insurance is not comprehensive, it only protects the dead, not the disabled, and its cost performance is not very high, so it is not worth buying.

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

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

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!