How about the income from Guohua Shengshifu annuity insurance? Is it a lifetime benefit?

Guohua Shengshifu annuity insurance can be said to be very popular on the Internet. I heard that the price/performance ratio is very high. Many friends are also asking whether the price/performance ratio of Guohua Shengshifu annuity insurance is really that high. ? Is it really worth buying?

The senior sister will give you an in-depth review below! The following article can help you familiarize yourself with annuity insurance in advance. For those who don’t know, come and read it:

"Learn this trick and stay away from 99% of the pitfalls of annuity insurance"

1. What are the advantages and disadvantages of Guohua Shengshifu

1. Insurance rules

The insurance age is relatively wide

It can be inferred from this that 28 days- People who are 65 years old can insure in Shengshifu annuity insurance. Most of the annuity insurance products on the market are supposed to limit the insurance age to 55 years old. In contrast, Shengshifu Annuity Insurance has an obvious advantage in terms of age limit for insurance. It has much fewer restrictions, thus bringing more older people into the scope of insurance. It is really trustworthy!

Flexible payment period

Shengshifu annuity insurance has not only one choice, but three payment periods: one payment, one payment, three years, and five years. Policyholders can choose the one that suits them and meets the needs of the public.

What do you need to pay attention to when choosing a payment period? Let’s see what experts say:

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

2. Protection content

The protection liability of Shengshifu annuity insurance does not include much, and only includes survival insurance and death insurance.

The survival insurance refers to: starting from the receiving age specified in the insurance contract, the insurance company will provide an annuity to the insured every year based on the basic insurance amount received throughout the life until the insured is alive. Therefore, the contract is declared invalid.

For example, 30-year-old Xiao Ming bought a Shengshifu annuity insurance and chose to pay it in three years, and then pay 30,000 per year. He can start in the third year and get it every year. The basic insured amount reaches RMB 3,801. The longer the policy lasts, the more survival benefits will be obtained.

What is the death insurance benefit: Assuming that the insured dies within the coverage period of the insurance, the insurance company will choose the maximum value between the cash value of the policy or the premium paid to pay the compensation. Since the cash value of long-term insurance may exceed the premiums paid, from the perspective of the insured, the insurance company's setting can maximize their benefits.

We have finished talking about the insurance rules and protection content of Shengshifu annuity insurance. Let’s talk about the income next. Let’s do a calculation for everyone based on three years of insurance for life.

2. How about the Guohua Shengshifu 3-year guaranteed life insurance plan?

The following is a benefit demonstration diagram of the Guohua Shengshifu 3-year guaranteed life insurance plan: < /p>

As can be seen from the demonstration picture, if a 30-year-old man pays a premium of 3 years and invests 30,000 in Guohua Shengshifu every year, it will take 30 years to get back the money. Knowing this, I believe that most People are discouraged by it. Not only that, at the age of 60, Guohua Shengshifu only has an internal rate of return of 1%. It must be understood that many annuities in the industry have an IRR rate of return of 3%-3.5%. Compared with others The rate of return of Guohua Shengshifu is really so bad that it is speechless!

Generally speaking, Guohua Shengshifu annuity insurance is not very cost-effective. It does not include total disability protection, and the protection content is not very comprehensive. Moreover, there are relatively few types of annuities, only survival insurance. So, overall, it's not worth buying.

It is better to choose an annuity insurance with more comprehensive protection and higher cost performance on the market:

"Ranking of the Top Ten Financial Management Insurances" ▏Want to buy high-yield financial insurance? Don’t miss these 10 styles! 》

Written at the end

I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not been resolved yet For your questions, you can also consult me ??on the official account Xueba Talk Insurance;

I will give you the most professional advice based on my years of experience in configuring insurance for 10W+ families.

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