What are the advantages and disadvantages of China Life Xinfu Winner Annuity Insurance? Okay？

China Life's Xinfu Winner Annuity Insurance is a financial insurance. Its advantages are mainly related to its flexible collection of love funds and wide insurable age range. Disadvantages include low guaranteed interest rate for universal accounts. Generally speaking, this annuity insurance has no bright spot and is not worth choosing.

Senior sister has seen a very interesting topic before. If you have 1 100 million yuan, and then you deposit this 1 100 million yuan in Yu 'ebao, the annual income will reach 6%, and you can earn 1 10,000 yuan every day.

So many people in the comment area began to imagine the sky. ..

However, the reality is that 90% of people have only tens of thousands or hundreds of thousands of current assets, and the inflation rate is too fast. This money can't escape inflation at all.

As a result, more and more people pay attention to financial insurance, and many people send messages to their seniors every day. What financial products are outstanding?

Many people want to know about China Life Trust Winner Annuity Insurance, so this senior will evaluate China Life Trust Winner Annuity Insurance today to see if it is worth buying.

Before we begin, let's take a look at the current level of China Life Trust Winner Annuity Insurance in the market: the comparison between China Life Trust Winner Annuity Insurance and the top ten high-yield annuities.

1. What is the performance of China Life Trust Winner Annuity Insurance?

As usual, let's take a look at the outline of the product first:

This China Life Xinfu Winner Annuity Insurance product provides a universal account, and the money in the universal account can be compounded and increased, similar to the Yu 'ebao account.

Want to know what the specific content is, senior next say:

1, China Life Insurance Xinfu Winner Annuity Insurance Care Fund can receive it flexibly.

The age of receiving care fund of China Life's Xinfu Winner Annuity Insurance is 12. Please select one of them.

If there are friends who save their pensions, they can choose to receive them at the age of 50, 60 or 65. After all, everyone's retirement age will be different, and some may retire early for personal reasons, or choose a job at retirement age.

China Life's Xinfu Winner Annuity Insurance has a very flexible way of collecting nursing funds, which can meet the needs of most people.

2. What is the income of China Life's Xinfu Winner Annuity Insurance?

China Life's Xinfu Winner Annuity Insurance can receive 20% of the first premium when it receives the survival fund for the first time. Take the male figure as an example. The premium paid in the first year is 50,000 yuan, and the first survival allowance is 1 10,000 yuan. After that, I will receive 20% of the insured amount of 45 105 yuan every year, that is, 902 1 yuan.

Up to the 60th nursing payment collection date of China Life Xinfu Winner Annuity Insurance, the annual coverage is 3%.

From the age of 30 to 60, you can get 1 0,000+9021yuan× 30 years = 280,630 yuan.

At the age of 60, you can get back the 500,000 yuan premium paid by China Life Xinfu Winner Annuity Insurance.

In other words, in 30 years, we can get 780,630 yuan, about 780,000 yuan.

Relatively speaking, China Life Xinfu Winner Annuity Insurance is not doing very well in the speed of fund return, and it takes a long time to return the premium on the day of receiving the care fund. And for 30 years, the income is only 280 thousand more than the premium.

3. The guaranteed interest rate of universal account of China Life Trust Winner Annuity Insurance is low.

Universal account is the main advantage of China Life Xinfu Winner Annuity Insurance. The function of the universal account is that you should collect the income, but if you are not in a hurry to collect it, you can put the income in this universal account to compound interest and increase value.

However, the "settlement interest rate" of universal account is not fixed, and it may change every month because of the fluctuation of investment market. At this time, we should pay attention to the guaranteed interest rate, which means that this part of the interest rate is guaranteed, and the interest rate will not fall below this guaranteed value no matter how low it is.

The universal account of China Life Xinfu Winner Annuity Insurance enjoys a guaranteed interest rate of 2.5%, which is still relatively low. There are many annuity insurances with a guaranteed interest rate of 3% in the market, and the winner annuity insurance of China Life Xinfu is only 2.5%.

Senior sister will not repeat the contents of the universal account. If you want to continue to understand, you can read this article: "Is the income stable and safe with universal insurance?" 》

abstract

As far as the overall price ratio is concerned, China Life Trust Winner Annuity Insurance is not worth starting with. Compared with some excellent universal account annuity insurance on the market, there is no bright spot.

If you like to get flexible friends, you can consider China Life Trust Winner Annuity Insurance.

Comparing the speed and income of returning money to friends, senior sister suggested looking at other annuity insurance.

As for what you need to know to buy annuity insurance, Senior Sister arranged it in this article: "Learn this trick and stay away from the 99% pit of annuity insurance."

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!