What about life, life, wealth, flowers and annuities? Is it more suitable for people aged 20 or 50? How many years can I get back all the principal? Comprehensive analysis ~

Many people will struggle with an annuity insurance. This list of annuity insurance worth buying can help you: "Top ten annuity insurance stocks worth buying! 》

If you want to know whether the product is good or not, you must first understand the insurance standard. Many people want to judge whether an annuity insurance product is good or not before they know what annuity insurance is, so it is easy to into the pit.

Let's analyze annuity insurance in three points:

(1) What is annuity insurance?

Annuity insurance means that we pay a certain premium to the insurance company first, and after the agreed number of years, we can get money from the insurance company every period. Education and pension are common in annuity insurance.

Education fund is a kind of financial management to prepare for children's education, marriage and love, but many education funds have only a low rate of return and have no effect. In order to solve this part, I have compiled such a content: Evaluation of 8 Education Funds with the Highest Rate of Return in 2020.

Pension, also known as pension, is to start receiving pension after buying the fixed number of years agreed in the contract to ensure the retirement of the elderly.

(2) Types of annuity insurance

Annuity insurance is divided into traditional annuity insurance, dividend annuity insurance, universal annuity insurance and investment-linked insurance.

(3) How to choose annuity insurance

First of all, pay attention to the pit prevention: "Learn this trick and stay away from the pit of 99% annuity insurance."

Secondly, we must consider the following points:

1. Look at the internal rate of return

The yield of annuity insurance has to be seen, and it is not difficult to know: sort out the tables of annuity and annual premium, combine them into a long-term cash flow, and calculate IRR (actual yield) according to the formula.

2. Look at the cash value

The income trend of different annuity insurance is different, and some cash values return quickly; Some annuities suitable for providing for the aged are slow to return to their original funds and receive more annuities at maturity.

If you are worried about the need of future capital turnover, you may choose to surrender, so it is recommended that the cash value of annuity insurance return to the principal sooner. If there is only a demand for old-age care, you can choose products with slow cash withdrawal and many annuities.

3. Look at the predetermined interest rate

The predetermined interest rate can most affect the rate of return. If the predetermined interest rate is low, the yield of annuity insurance will not be high. Now the CBRC has begun to stipulate that the predetermined interest rate cannot exceed 3.5%, which is the upper limit, and how much needs to be calculated.

Hope to adopt!

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Source: Xueba said that insurance official website