Is the exclusive edition of China Life Insurance Xinxibao reliable? Who is suitable for buying?

China's aging population is a realistic problem, which urgently needs everyone to face.

In this respect, senior students are still willing to understand. Private information annuity insurance is basically young people, and I can understand your feelings. Not long ago, a young man asked me to take an examination of the insurance giant: Xinxibao Annuity Insurance under China Life Insurance. The evaluation results are announced for you today. At the same time, I also take this opportunity to tell you the matters needing attention when choosing annuity insurance.

Before the results are announced, here is a welfare school sister to send: in-depth analysis! What about China Life?

Cut short the gossip, who are the senior students in the routine of China Life Insurance Xinxibao Annuity Insurance? Now let me show you clearly!

1. How many ways do China Life Xinxibao Annuity Insurance receive money? Case analysis!

In order to facilitate everyone to understand this product of China Life Xinxibao Annuity Insurance, Senior Sister has prepared a picture:

The product form of China Life Insurance Xinxibao Annuity Insurance is briefly introduced here:

1. Wide insurance age

First of all, we can see that the age of China Life Xinxibao Annuity Insurance is relatively broad, and the upper limit of the insured age is 75 years old.

Nowadays, people can live more and more years, and the possibility of extending retirement age is increasing. The feature of annuity insurance that "the more you pay, the more you get" is that when you pay 75 years old, you will get the most property. If we take China Life Xinxibao Annuity Insurance as the investment object, then we will get more rich income.

However, we should pay attention to one thing. If you buy it after the age of 75, the guarantee period is only 10 years. In this way, the insurance amount for the elderly will be very low.

For example, if the annual investment is 6.5438+10,000 yuan, the maximum insured amount for 75-year-old people is140,400 yuan, while under the same conditions, the insured amount for 60-year-old people is147,900 yuan!

From this, we can all infer that when the guarantee expires, the 75-year-old can only get a little care money. It can be known that the insurance age set by China Life Xinxibao Annuity Insurance is a bit biased. I'm afraid there is another plan.

2. Provide four ways to receive an annuity.

It tells us here that if you insure China Life Xinxibao Annuity Insurance, you can get four kinds of gold: special care gold, nursing gold, annuity and death insurance.

We need to know that Xinxibao is not guaranteed for life, and it is not clear whether we can receive death insurance.

There are many ways to receive money, but if there are, can you confirm that the yield of China Life Xinxibao Annuity is optimistic? Let's calculate:

I went to check and learned that the yield of this China Life Xinxibao Annuity Insurance is super low! Only 1.87%.

IRR yield lets us know how anti-inflation this product has, but China Life Xinxibao Annuity Insurance has no outstanding performance in this respect.

You know, the IRR yield of better annuity insurance on the market can reach 2.7%. For example, this Taikang Win Yue Life Insurance can also enjoy the protection of 105 years old! In contrast, China Life Insurance Xinxibao Annuity Insurance will be improved ~

Because of the limited articles, Senior Sister sorted out other shortcomings of China Life Xinxibao Annuity Insurance products and put them in the following evaluation articles. Interested friends must have a look. It is very important to avoid the pit: Xinxibao can get high returns every year?

In our opinion, China Life Insurance is also a big company, but Xinxibao Annuity Insurance seems a little petty.

In order to let everyone choose good products in the future, the senior sister has to share the coup of avoiding the pit!

Second, what should we look at when choosing annuity insurance?

In any case, you need to pay attention to the following aspects when choosing annuity insurance:

1. The more practical the better.

The focus of this place is the time to return to nature and the method of collection.

Go back to the original time and explain when the returned money will become equal to the premium. In principle, the sooner you go back to read this book, the better. If you return to this book earlier, it means that Qian Shengqian is more capable.

The guarantee period of the two annuity insurance products is also 20 years, and the return time is 10 year, which is very different ~

In 20 17, the corresponding clause in China Banking and Insurance Regulatory Commission, China stipulated that "within five years, it cannot be returned within five years, but it can be returned after five years, but the amount cannot exceed 20% of the premium". You should know that the products that can be returned after five years are excellent annuity insurance products.

Relatively speaking, the more ways to get, the friendlier. For example, there are two kinds of education funds at present. First, it is the return from primary school to university, so there is also the return of the entrepreneurial stage and the marriage stage. How do you choose?

Although China Life Insurance Xinxibao Annuity Insurance can be obtained in many ways, it is a pity that its guarantee time is not long. This is the essence of annuity insurance, but there is still no way to get high returns with such a short guarantee period and various collection methods.

2. It is better to have a general account.

For annuity insurance, someone has prepared a compound interest account for everyone, so that people who are not in a hurry can put their money back in and continue to bear interest.

As for the compound interest rate, that's what you need to pay attention to. The reason for concern is that some accounts are universal accounts with different algorithms. After putting it in, a part of the guarantee fee will be deducted and then included in the principal for interest. So the purpose of paying attention to the interest rate is to prevent the money you earn from being deducted.

Universal account can guarantee the bottom interest rate, that is, guarantee the rate of return. However, in the introduction, a salesman said that the settlement interest rate of 5% was the guaranteed interest rate of 1.75%, in order to improve the billing rate. So be sure to look carefully!

For the universal account, Senior Sister has also done relevant research, and intends to find out how many universal friends this universal account has. Don't miss this bus: financial management with universal insurance, stable and safe income? Universal insurance from the beginning!

High-level summary:

The benefit rate of this China Life Xinxibao Annuity Insurance is really unbearable. Senior sister doesn't recommend you to insure it ~

Write it at the end

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

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

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!