Annuity insurance, unknowingly suffered a big loss!

Let's talk about why we want to buy annuity insurance today.

First of all, we can divide buyers into the following categories according to their demands:

"I buy protection for the future" type

I have a neighbor who never buys serious illness, medical care or even accident insurance. He thinks he is sick, and the money for treatment is absolutely justified. Although Sister Xianer disagrees with this idea, it is sometimes not easy to make customers change their ideas. People who have worldly desires will naturally have obsessions. The obsession of Xian Erjie's neighbors is to worry about the uncertainty of future pension and the money left for children. And although this Qian Qian will do it on children, she doesn't intend to let them know the existence of this fund in advance. Even if the child is an adult, the initiative is still in his own hands, depending on his performance! After you got the affirmative answers to these questions, she finally bought the first insurance in her life-annuity insurance.

"I have spare money, but nowhere to put it" type

One of my die-hard customers has bought almost all the guaranteed insurance, but he still has spare money and can't find a good investment channel: buying stocks and losing money; Buying wealth management products, the bank's income is low, there are all kinds of P2P outside, and money is everywhere; Deposited in the bank, the income is low; When buying a house, you can't buy it yourself except what you buy. Is this a problem that many people face? So I said, "then you'd better buy annuity insurance, which can be used as your financial management room." How nice ~ "The die-hard customer immediately bought annuity insurance.

The type of "deep pockets, gains and losses"

There are many such customers in my resources. Let's take one example: this is a private entrepreneur. His business is smooth and his scale is getting bigger and bigger, but when he gets more and more, his heart is getting more and more uneasy. Shopping malls, like battlefields, are always worried that they will lose their money if they are caught off guard, so I spent the whole morning explaining to him the functions of annuity insurance in debt avoidance, tax avoidance and inheritance, and this customer happily accepted my recommendation.

Simply put, the threshold of annuity insurance is very low, and you can buy it as long as you have money. Many financial websites have reported that local tyrants in Kanto buy annuity insurance, paying more than 7 million yuan a year, and the payment period is 10 year, more than one. You said that these money-making elites play equity, wealth management and investment projects every year, and the annualized income is above 18%, but why do they want to buy annuity insurance? This is because annuity is a special investment product, and its function is difficult to be realized by other financial instruments.

Next, let's talk about what is annuity insurance?

Let's popularize it for everyone first. To put it simply, the insurance premium is paid to customers on an annual basis, that is, in some years that can be expected in the future, you will have a fixed income to control every year. Raising children? Pension? Consumption? Enjoy? Make a comeback? Do whatever you want.

Then the question is coming:

1. What's the difference between an annuity and ordinary bank savings?

1, different return on investment

The interest rate of five-year time deposit is 2.75%, but at present, many annuity insurances in the market have a predetermined interest rate of 3.5~4.025%, and you can attach a universal account to guarantee the interest rate of 2.5~3%.

2. Different liquidity

General bank deposits are highly liquid, so it is difficult to set up special funds. The liquidity of annuity is weaker than that of savings, which is more conducive to compulsory savings. This is of great significance to us who are now over-consuming.

2. What is the difference between annuity insurance and general investment?

Under normal circumstances, risk is directly proportional to the rate of return. General investment is a high-risk and high-yield financial management method, while annuity generally has a guaranteed income and obtains additional income while ensuring the appreciation of funds. Therefore, annuity insurance is more stable than general investment, suitable for medium and long-term financial management, or setting up special pension and education funds.

Third, what kind of people are suitable for annuity insurance?

Sister Xianer's answer is: Anyone can buy annuity insurance. Buy more if you have more money, and buy less if you have less money! Why do you say that? Because XianEr elder sister think annuity insurance is very powerful:

Annuity insurance is one of the safest investment products in the world.

After the promulgation of the Regulations on the Disposal of Bankruptcy Risks of Commercial Banks, thousands of wealth management platforms ran away, even lufax was overdue, and investment safety once again became the focus. With the help of the strict supervision and risk control of the China Insurance Regulatory Commission, annuity insurance is firmly in the top spot of safe investment, and it can also lock in relatively high long-term interest rates!

In our previous article 4.025- Did you catch up? The interest rate trend of China in the past 20 years has been described in the book, so what will be the interest rate trend of China in the future?

Insuring such products is equivalent to having a perfect current account, with high interest rate and free access to funds. Whether it is for children's education savings, as well as the supplement of adults' future pension, or lifelong cash flow arrangements, it is difficult to meet opponents' artifacts.

2. Annuity is an important part of asset allocation, with daily interest and monthly compound interest to resist inflation.

Strong security and certain liquidity, good investment can be taken out for investment, and long-term interest can be locked in when the market is in a downturn. Advance can attack, retreat can defend.

Banks can only calculate interest rates. If the bank will compound interest, there will be no stocks and fund securities. Why not deposit the money in the bank? ! You don't know when the interest rate will be adjusted. In addition, we may have overlooked an important external cause-inflation. Ten years later, 100000000 yuan is still worth it? No one can give an answer. The dividend of annuity insurance is calculated by compound interest and will rise with inflation. In addition, if something goes wrong in the middle, there will be a loss of money to the customer. Is the bank okay? Repay the principal and interest at most.

3. Annuity insurance is a sharp weapon to achieve asset isolation.

Whether to achieve asset isolation is an important aspect of property inheritance. Only when it does not conflict with household debt and corporate debt can investors' property be effectively protected.

Life insurance is not a bankruptcy debt, that is, when the debtor goes bankrupt, the policy will not be seized and confiscated, and life insurance can effectively avoid court enforcement. Never say: How did I get here? No one knows which comes first, tomorrow or the accident.

The insurance premium is paid in time without dispute. Various industries are surging in the market. For example, the rise in real estate prices has created a large number of local tyrants and relocated households, and the rapid development of the Internet has created a large number of WeChat businesses and online celebrities. The explosive growth of these middle classes has also brought many problems that they never thought about after they got rich: people are never good and flowers are never red. Asset segregation is no longer the patent of the rich at the top of the pyramid. More middle-class people need to keep pace with the times and plan their distribution in advance in case of emergency. In case of extreme circumstances, such as petty financial risks, debt crisis, annuity insurance, etc.

If you don't have to pay your debts, it will become your living expenses and the capital to make a comeback!

4. Annuity insurance can be a policy loan.

Policy loan is a routine function of annuity insurance, and customers can operate it directly online, which is very convenient. It is worth mentioning that in the past two years, many insurance policies can also carry out "credit loans" in banks without mortgage, and the loan amount can be as high as 30 times the annual premium. (The upper limit of each bank is different) So it is necessary for business friends to plan ahead with annuity insurance!

5. Mandatory savings function

Many people regard compulsory savings of insurance as a short board with poor liquidity, but dialectically speaking, this is its most rare function!

Making money doesn't mean saving money. You have a rake for money and a box for money. Most people have worked hard for many years, but they don't have much savings: after 90, it is moonlight; However, after 80' s and 70' s, the mortgage has been repaid, and it will be moonlight after eating and drinking Lazar. Not doing anything wrong, but doing one thing less-compulsory savings!

The most important principle of financial management is to make good financial arrangements and save money regularly, that is, save before spending, instead of spending before saving as many people subconsciously expect. Because impulsive consumption is a part of human nature, don't expect to save extra money for a long time.

Annuity insurance is a long-term financial management tool. Once terminated in advance, it will cause losses, just forcing you to save money and use the system to fight against human nature.