Is Yang Le Multi-element Pension Insurance Reliable? Can I buy it? Is the income high?

Leyangduo pension annuity insurance is a kind of pension annuity insurance underwritten by Aisheng Life Insurance. Whether it is worth insuring depends on your own needs.

Let me talk about the advantages and disadvantages of old-age insurance first.

Pension annuity insurance, also known as "life annuity insurance",

A simple understanding is that when you are young, you pay a sum of money to the insurance company, and you can get money from the insurance policy regularly after retirement, and you can always get it after your death.

The advantages and disadvantages of this kind of insurance are obvious.

Let's talk about the advantages of endowment insurance:

1, the policy benefits are determined, and the security is high.

In addition to the basic death/total disability protection, the biggest highlight of pension insurance is the stability of policy interests.

When you apply for insurance, the contract stipulates in black and white when you can start to receive the pension annuity, how much you can receive each year/month, and how long you can receive it.

It can be understood that certain interests are locked in when insuring, which is not affected by the downward interest rate.

The insurance companies behind it are generally strong, supervised by the China Banking Regulatory Commission and have a relatively high safety factor.

The insurance policy is protected by the insurance law. Even if the insurance company goes bankrupt, the policy will be taken over by other insurance companies, and the interests of the insured will not be affected.

2. Provide stable cash flow.

As long as people are alive, they always need to spend money. Pension is a rigid expenditure and needs a steady stream of cash flow.

There are many ways to accumulate wealth when you are young and prepare for old-age care.

However, it is difficult for most people to guarantee that this pension money will not be used for other purposes, such as buying a house, buying a car, traveling, starting a business, investing or being borrowed by others.

If you want to receive a sum of money regularly after retirement, and you can receive it for life, annuity insurance is one of the few reliable choices.

3. Compulsory savings to hedge longevity risks.

Many people want to get into the habit of saving money, but they can't control their own hands, and they become moonlight families every month.

Pension annuity insurance is paid regularly, and the time of collection is agreed at the time of insurance, and it cannot be withdrawn at will.

As a long-term financial planning tool, it can help the insured to form the habit of compulsory savings.

With the improvement of life expectancy, longevity has become the norm, and annuity insurance can effectively prevent longevity risks and avoid "people are alive and money is gone".

The pension annuity can guarantee that we will receive it all the time in our lifetime, that is, as long as we live.

If you buy old-age insurance when you are young, you don't have to worry about falling into the predicament of No Country for Old Men because you have lived too long and have no money to spend.

4. Capital accumulates interest and gains increase.

The vast majority of old-age pension insurance is realized at a young age by paying premiums and a little investment.

After ten years or even decades of accumulation, when you are old, you will receive this considerable "pension" on a regular basis.

There are also some products that can be attached to the general account. If you don't use this money for the time being, you can also put it into a universal account to realize the second appreciation of funds.

On the whole, it is most important to insure the old-age insurance according to your own needs. For more insurance questions, please consult Bao Dad!