Is Fu Ying No.5 Annuity Insurance (Celebration Edition) Really Worth Buying? What are the protection contents?

Fu Ying No.5 Annuity Insurance (Celebration Edition) is very popular on the Internet, and it is said that it is cost-effective.

There are also many friends asking, is the price/performance ratio of Fu Ying No.5 Annuity Insurance (Celebration Edition) really that high? Is it really worth buying?

I will give you a detailed evaluation today to see if this product is good or not!

There are many things to pay attention to when applying for annuity insurance. It is wrong not to pay attention. Family members who are interested in taking out annuity insurance, Senior Sister sends you a pit avoidance guide:

Learn this trick and stay away from the 99% pit of annuity insurance.

1. Is Fu Ying No.5 Annuity Insurance (Celebration Edition) guaranteed?

First of all, we should understand Fu Ying No.5 Annuity Insurance (Celebration Edition) as soon as possible through the protection map:

1, Fu Ying No.5 Annuity Insurance (Celebration Edition) Insurance Rules

Fu Ying No.5 Annuity Insurance (Celebration Edition) clearly stipulates that all people aged 0-65 can be insured, and it is equipped with 8 exemption clauses to set up the policy loan rights. The guarantee period is relatively short, and it can be guaranteed for 8 years, 15 years and 20 years. The rate of return is particularly fast and the income is quite stable.

In addition, Fu Ying No.5 Annuity Insurance (Celebration Edition) can supplement long-term accidental injury insurance, accidental injury insurance (Edition 20 13) and serious illness insurance with peace of mind exemption.

This product supports many additional risks, but not every product is cost-effective. If you don't know what insurance to add, just poke the following to see the insurance strategy:

There are so many types of insurance, which one should I buy first? 》

2. Fu Ying No.5 Annuity Insurance Coverage (Celebration Edition)

(1) survival insurance

Fu Ying No.5 Annuity Insurance (Celebration Edition) set the annuity collection time earlier, and can receive the survival insurance money from the fifth year. It is equivalent to receiving 100% of the basic guarantee every year from the fifth year when the policy comes into effect to the year before the end of the guarantee period.

(2) Overdue insurance premium

When the contract expires and the insured is alive, the insurance company will pay 100% of the premium according to the amount paid by the insured.

(3) Death and disability insurance

If the insured dies or is totally disabled during the protection period, the insurance company will pay the death or total disability insurance premium according to the larger premium actually paid in the insurance contract when the insured dies or is totally disabled, and the insurance contract will no longer be valid.

(4) General account

Fu Ying No.5 Annuity Insurance (Celebration Edition) has three universal accounts for policyholders to choose from: Ruyibao whole life insurance (universal type) with guaranteed interest rate of 2.5%, Fu Gui Guanjia A Annuity Insurance (universal type) and Fu Gui Guanjia B Annuity Insurance with guaranteed interest rate of 3% (universal type). You may wish to choose according to your own needs, so that the income can be tripled, which can achieve better financial management purposes.

2. What is the income of Fu Ying No.5 Annuity Insurance (Celebration Edition)?

In order to let everyone know more intuitively the benefits of Fu Ying No.5 Annuity Insurance (Celebration Edition), Senior Sister assumes a 30-year-old male, guarantees 15 years, chooses to pay 10 years, and the annual premium is 65,438+10,000, plus the universal account, and the guarantee rate is 2.5%. We have compiled a profit calculus chart. Let's analyze his specific situation:

From the age of 35, the insured can receive 100% of the basic guarantee amount every year, that is, 19900 yuan, totaling 10 years, totaling * * 19900 yuan, all of which are received in 14 years.

When the policy expires in the last year, the insured can get back the principal of 654.38+0 million in one lump sum, that is to say, the income of 654.38+05 is almost 200,000 without attaching the universal account.

Covers general accounts. If the interest rate is stable at 2.5% and the insured has never received any income, then the cash value of the policy in the fifteenth year is about 65,438+0,265,438+0,000, which is about 20,000 more than when the universal account is not attached.

However, the guarantee period of universal account is different from that of main insurance, which is not only 15 years, but can always play a role in increasing value. If the insured can not reduce the insurance all the time, the cash value at the age of 66 is twice the principal.

In other words, the protection of Fu Ying No.5 Annuity Insurance (Celebration Edition) is ordinary. If you want short-term financial management, its income is not much, and it is not a cost-effective financial product.

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