Is Huaxia Xiyingmen true?

Second, specifically:

1, according to its conditions, it will be paid for 3 years and 654.38 million yuan per year, with a total premium of 300,000 yuan. In the tenth year of the policy, that is, when Xiao Wang is 40 years old, he can receive 10% of the insured amount every year, that is, 10000 yuan.

2. The longer the annuity insurance is held, the greater the income. However, Xiyingmen holds it for 30/40 years, and its annual income will exceed 2%.

In fact, the annualized income of this traditional annuity insurance will not exceed the predetermined interest rate, and the actual income will not be known until it is calculated. Specifically, if the loss can be minimized.

4. First of all, universal insurance can compound interest, and interest refers to the money that enters the universal account. Note that this is not the premium paid, but the money returned by the annuity. Take Xiyingmen as an example, 65,438+00% of the annual premium is credited to the universal account for interest, and the joining fee will be deducted after each entry. In addition, if the money entering the universal account has interest, then only the guaranteed interest rate can be determined, that is to say, the high income has no guaranteed interest, so the overall income is still low.

5. So, in fact, this is not true, the income is very low, and it will not reach 400,000.

Third, the guarantee content of Huaxia Xiyingmen is also very typical and simple, and * * * consists of two parts.

1, death guarantee

1) Annuity insurance is a kind of personal insurance, which is based on the survival of people, that is to say, in case the insured dies, there is no return, so many annuity insurances will protect the death, and Xiyingmen will also.

2) However, Xiyingmen's death protection has no leverage and can only pay the paid premium or cash value, which is very weak in protection. Like Xiyingmen's financial insurance, the protection is not good.

3) With regard to death protection, as long as term life insurance is cheap and the leverage ratio is high, it is recommended that friends interested in death protection consider term life insurance:

2) Lifelong guarantee

The biggest advantage of this Xiyingmen is that it can be guaranteed for a lifetime. Of course, only a good annualized income can be the biggest advantage, that is to say, the longer you live, the more annuities you receive, and the greater your income.