Is it meaningful to have an annuity insurance of 10 thousand a year?

Annuity insurance is 10 thousand a year, and the amount of annuity insurance depends mainly on the budget of the insured. Either way, annuity insurance is of great significance.

Annuity insurance means that the applicant or the insured pays the insurance premium in one lump sum or on schedule, and the insurer pays the insurance premium on an annual, semi-annual, quarterly or monthly basis on the condition that the insured survives until the insured dies or the insurance contract expires. Simply put, annuity insurance is a kind of life insurance, which guarantees the insured to obtain economic benefits when he is old or incapacitated.

The three most prominent functions of annuity insurance:

Value preservation and capital preservation

With gold as a safe-haven product, the price of gold will continue to fluctuate. Compared with other financial management methods, gold is relatively safe, but it also has risks.

The capital preservation and capital preservation of annuity insurance are considered as zero risk;

Annuity insurance (main insurance) has no price fluctuation, interest rate fluctuation and no transaction, so it doesn't need to pay attention to the economic situation like other wealth management products. The annuity insurance guaranteed by the policy is a fixed interest rate, which remains unchanged during the protection period, and the income is definitely visible and will not fluctuate.

Steady appreciation

The income of annuity insurance is calculated according to compound interest. With enough time, your principal can snowball.

At present, the upper limit interest rate of annuity insurance is 3.5%. Suppose you buy annuity insurance to protect your life;

Then this annuity will be at this rate no matter how many years have passed, until the policy is terminated due to surrender/death.

Forced saving

Annuity insurance has the function of compulsory savings, and it will lose a lot if you don't pay the premium;

Therefore, you need to force yourself to save a sum of money every year to pay the premium. In the long run, you can gradually get into the habit of saving and save a considerable sum of money. Starting a business, getting married, raising children and supporting the elderly in the future can be handled more easily.

The main functions of annuity insurance have also been told to you. Now let me tell you what it means for us to buy annuity insurance:

1. the sense of security of the elderly

In recent years, due to the influence of declining birthrate and aging, the replacement rate of social security is getting lower and lower, and the national social security has begun to be "untenable";

Even the state encourages everyone to buy tax-deferred old-age insurance and vigorously promote commercial insurance. I hope that in addition to social security, you can also buy commercial insurance to supplement your pension;

Relying on social security or relying on children to support the elderly has become a thing of the past, and now we all have to make plans for our own old-age life;

Annuity insurance is a good choice.

2. Lifetime cash flow

You can get an annuity every year from a fixed age and plan your cash flow according to your own wishes.

Annuity insurance also has the function of policy loan, which can give you a "emergency money" when your capital turnover is not enough.

3. Inheritance of wealth

In addition to providing for the aged, the greatest significance of annuity insurance is to inherit wealth;

Inheriting wealth with annuity insurance can not only isolate debts, but also leave money to people designated by yourself through insurance contracts.

Manage your finances

Annuity insurance can be said to be the lowest financial insurance product;

Do not need any financial planning mind, do not need to stare at every day, there will be fixed income;

Basically, those bosses who gallop in the stock market will also buy several annuity insurance in private and get a fixed income.

5. Gifts for children

Now many stars will buy an annuity insurance for their children when they are born;

Because of the locking and safety of annuity insurance, even if you encounter any accidents or economic risks in the future, you can ensure that your child will be worry-free all his life.

Moreover, the current children's annuity income is also very good, some can guarantee to be 30 years old, and some even have a lifelong universal account;

With the cash flow of children's life, they are more confident to pursue their ideals.