Friends live a rich life. B is the income from annuity insurance good? How to return it?

AIA Fengshou B annuity insurance is very popular on the Internet. I heard that the cost performance is very high. Many friends are asking, does AIA Fengtai Life Insurance B Annuity Insurance really have such a high cost performance? Is it really worth buying?

The following sister will give you an in-depth evaluation! The following article can help you get familiar with annuity insurance in advance. If you don't know, let's take a look:

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

First, AIA Fengshou B annuity insurance content analysis!

As before, let's take a look at the protection map of this product carefully prepared by Senior Sister:

Senior sister read the protection map of this product, and I believe everyone has a basic understanding of this annuity insurance product. Next, the senior will analyze the content of this product from the following aspects. Not much to say, let's start!

1, insurance conditions

In the insurance era, people from seven days to sixty years old can buy this product. It can also be said that if everyone's age meets the above age range, they will have the opportunity to consider this product.

Let's talk about the warranty period. This product has two kinds of warranty periods: 20 years and 25 years. You can choose according to your own needs and budget.

Let's analyze the payment period. The payment methods of this product are 6 years and 10 years respectively. Compared with similar products that still support wholesale delivery on the market, the payment method of this product is not very flexible.

What should I pay attention to when choosing the payment period? Let's see what the experts say:

"How to choose the payment period so as not to lose money? 》

2. Guarantee content

The protection content of this product includes death insurance, public transport accident total disability insurance, annuity and maturity payment. To sum up, the guarantee content of this product is still relatively friendly.

Immediately, my senior sister will have a deep talk with you about the contents of public transportation annuity and accident total disability insurance.

Among them, annuity means that if the insured lives in this world and is within the scope of claims, the insurance company will provide him with an annuity on the day of receiving the annuity. The formula is as follows: Annuity amount = sum of annual insurance premiums calculated by the annual payment method ×10%;

Furthermore, during the annuity payment period, if the insured dies, the insurance company will no longer pay the annuity to him.

Among them, the date of annuity collection is inseparable from the insurance period.

Once the insurance period is twenty years, the 18 and 19 policy anniversaries of the contract are selected as the annuity collection dates;

If the insurance period is twenty-five years, the date of annuity collection shall be subject to the twenty-third and twenty-fourth policy years of this contract.

Let me talk about the protection of public transport accident total disability insurance. It refers to an accident when the insured takes the public transport agreed in the contract as a passenger, and the accident causes total disability within 180 days from the date of the accident. Eligible, when total disability occurs, it shall be calculated according to the following formula.

Calculated according to the following formula: the total disability insurance premium for public transport accidents = (the number of months corresponding to the accumulated insurance premium paid in each period ÷ 12× the annual insurance premium calculated by the annual payment method) × 10%.

3. Other rights and interests

As can be seen from the protection map, this product includes two rights: policy loan and automatic premium payment. Policy loan means that the insured can apply for a loan with the approval of the insurance company on the premise of referring to the validity period of the contract and the accumulated cash value.

It should also be said that the total amount of accumulated loans shall not exceed 80% of the cash value at the time of signing the contract. It is worth noting that the longest loan period is 6 months.

The automatic premium payment rule means that when people are short of money or forget to pay the premium, the insurance company will automatically pay the premium according to the cash value of the policy, which means that the policy will remain valid so that the protection of the insured will not be interrupted.

2. Is AIA Fengshou B annuity insurance worth insuring?

On the whole, AIA Life's B annuity insurance is relatively cost-effective, including death insurance, public transport accident total disability insurance, annuity and expiration insurance, and the coverage is relatively rich and comprehensive. In addition, it also has two other highly practical rights and interests: providing policy loans and automatically paying premiums.

So if it meets everyone's safety needs, it is still worth buying.

Finally, if you want to know more about this product, you can take a look at this evaluation article:

How about AIA Fengshou B annuity insurance? Tell you in one article! 》

Write it at the end

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

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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!