What are the pitfalls of annuity insurance?

The education funds and pensions we insure for our children or ourselves are called annuity products, but many people think that these annuity insurance products are scams of insurance companies, so they dare not buy them, so they miss many excellent products and don't sell regret medicine!

Since you have questions about annuity insurance, senior sister will take you to know more about annuity insurance now ~

Before the official start, send a free welfare, you can collect it first, and be careful not to be brushed away:

"Annuity insurance? Is there a pit? Do you have any good products? 》

1. What is annuity insurance?

Annuity insurance is actually a one-time or scheduled payment of insurance premiums by the insured or the insured. On the condition that the insured is alive, the insurer shall pay the insurance premium in the following periods: annual, semi-annual, quarterly or monthly until the death of the insured or the expiration of the insurance contract.

In order to let people know more about annuity insurance, we might as well compare annuity insurance to an old hen of an insurance company. You can choose one-time feeding or regular feeding.

At the appointed time, the chicken will start to lay eggs quantitatively for everyone, but the eggs can be eaten by different people. If it is for children to go to school, it is defined as an education fund; If the main purpose is to get married for children, it is marriage money; If it is used to support the elderly or see a doctor, it is a pension.

So what are the benefits of annuity insurance? Let's give you a detailed analysis!

Second, what are the benefits of annuity insurance?

According to long-term research, seniors feel that the benefits of annuity insurance mainly include these:

1, mandatory reserve, special fund is special.

There are capital investment requirements in the early stage of annuity insurance, which can't be taken out in a short time. This feature can prevent people from impulsive consumption and better manage the funds we need at all ages. In addition, it should be noted that the cash value of annuity insurance in the early stage is not high. If we are determined to surrender, the loss will be even greater!

2. Lock in income and keep it stable.

According to the contract, annuity insurance can provide long-term, definite and continuous cash flow, that is, it is very little affected by economic changes and downward interest rates. With long-term cash flow, assets will maintain and increase in value, so many people value annuity insurance.

3, safe and reliable, contract guarantee

As a kind of insurance products, annuity insurance has the characteristics of zero risk and high security. Even if the insurance company goes bankrupt, there is still the national insurance guarantee fund to compensate. Therefore, the insurance policy does not have to worry about similar problems.

4. Exclusive property, inherited by future generations.

As an insurance product, annuity insurance has little influence on marriage and inheritance, and can better distribute and inherit wealth. With this advantage, high net worth people still like to buy this product.

Annuity insurance has so many obvious advantages, how to choose high-quality annuity insurance in the market? Now senior gives you a list:

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

The annuity insurance mentioned above has many benefits, but you should stay away from these minefields in the process of buying such products, or you will suffer a big loss!

3. What pits should I pay attention to when buying annuity insurance?

Without further ado, let's take a look at what pits exist in annuity insurance:

1, the first pit: only look at big companies.

As a kind of wealth management insurance, annuity insurance pays more attention to its income, and it can really play a role, but we should not blindly pursue high income, otherwise we will soon be in into the pit!

Because on the basis of high-yield demonstration, there will be a brand role of "big company", or it will become what everyone says, "I will settle for you at such a high interest rate in the future."

But in fact, no company dares to make such a commitment, especially in the current economic situation of falling interest rates. In addition, China Banking and Insurance Regulatory Commission has repeatedly reminded everyone to avoid such misleading sales. As far as insurance products are concerned, whether it is security type or wealth management type, the final emphasis is on contract terms. When looking at a contract, we should first look at the guaranteed interest rate and finally at the current settlement interest rate.

2, the second pit: just look at people's feelings.

Human feelings actually refer to the recommendation between acquaintances and friends. The products recommended in this way often have no advantages and many limitations, especially when you want to invest your accumulated wealth. How can you buy a product under only one condition?

Annuity insurance is an insurance product with the nature of financial management. Only by comparing with many companies can we distinguish the good from the bad. After all, it is related to our future income.

Due to space reasons, curious friends can click on this article to learn more about the routine of annuity insurance:

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

As can be seen from the above, annuity insurance has many advantages as financial insurance. It is worthy of our trust to buy annuity insurance for financial investment, but we should pay attention to the pit I mentioned earlier.

Finally, I want to emphasize to you that before choosing to buy financial insurance, you must see if your insurance is complete. If the configuration is not comprehensive enough, you should consider it more when buying financial insurance!

Write it at the end

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!