What are the advantages and disadvantages of Guohua Life Insurance Shengshi Fu Annuity Insurance? Is it worth starting with?

shengshifu annuity insurance is a kind of wealth management insurance. Its advantages mainly include a wider insurance age and flexible payment period, while its disadvantages mainly include relatively average income and long payback time. Generally speaking, the cost performance of Shengshi Fu annuity insurance is relatively average, which is not worth starting with.

Recently, the issue of annuity insurance has attracted everyone's attention. When reading the private letter, Senior Sister saw that one of her friends gave Guohua Shengshifu annuity insurance a pretty good evaluation: "Guohua Shengshifu annuity can take out the principal plus interest after three years of payment". Senior Sister was a little surprised at this matter. Today, I will take you to see if this product is really so excellent!

First, I will send you a guide to avoid the pit of annuity insurance: "Learn this trick and stay away from the pit of 99% of annuity insurance"

1. What are the advantages and disadvantages of Guohua Shengshi Fu

1. Insurance rules

The insurance age is relatively wide

The above picture shows us that as long as people who meet the conditions of 28 days to 65 years old, Most annuity insurance products on the market are limited to the age of 55. Compared with other products of the same model in the market, the age limit of Shengshifu Annuity Insurance is less, and more older people are included in the scope of insurance, which deserves a thumbs up!

flexible payment period

the payment period of shengshifu annuity insurance can be divided into three types, one is wholesale payment, the other is 3-year payment, and the third is 5-year payment. The insured can choose according to their own economic situation, thus meeting the different needs of customers.

2. Guarantee content

The guarantee responsibility of Shengshi Fu Annuity Insurance is relatively simple, with only survival insurance and death insurance.

Survival insurance refers to that the insurance company will pay an annuity once a year according to the basic insurance amount received for life from the age stipulated in the insurance contract until the insured dies and the contract is terminated.

For example, 3-year-old Xiao Ming bought a prosperous life insurance policy and chose to pay 3, yuan every year for three years. From the third year of premium payment, he can receive the basic insurance amount of 3,81 yuan provided by the insurance company every year. The longer he lives, the more survival money he gets.

definition of death insurance: if the insured dies within the specified protection time, the insurance company will choose the maximum value between the cash value of the policy and the premium paid. Since the premium paid may also be lower than the cash value of long-term insurance, such a setting can maximize the benefits for the insured.

For more information about the Shengshi Fu Annuity Insurance, please read this article: "Where is the Shengshi Fu Annuity Insurance? Is it worth buying?

Next, let's talk about the income of Shengshifu Annuity Insurance, and take the three-year payment as an example to make a calculation.

second, how about Guohua shengshifu's three-year life insurance plan

here is a demonstration diagram of the benefits of Guohua shengshifu's three-year life insurance plan:

Guohua shengshifu's demonstration diagram

From the demonstration diagram, it is found that a 3-year-old male pays 3, yuan every year according to the three-year payment, and it takes 3 years to get back his capital. Thinking of this point, I believe many people will be disappointed. This is not the most excessive. At the age of 6, the internal rate of return is only 1%. You know, the IRR yield of most annuity insurance in the market is basically 3%-3.5%. In contrast, the yield of Guohua Shengshi Fu is really bad!

Generally speaking, it takes a long time for Guohua Shengshi Fu Annuity Insurance to recover its capital, and its rate of return is also very low. I suggest you look at other annuity products.

If you want to start with high-yield wealth management products, I suggest that you compare the excellent annuity insurance in the market. Here, you have sorted out the excellent annuity insurance: "Want to buy high-yield wealth management insurance? Don't miss these 1 models!

written at the end

I am a schoolmaster who talks about insurance and focuses on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to WeChat official account Xueba and ask me about insurance.

I will give you the most professional advice based on years of experience in configuring insurance for 1W+ families.

WeChat official account: Xueba said that insurance costs less, so buy the right insurance!