What are the benefits of buying and enjoying life annuity insurance?

Enjoy life annuity insurance as a hot product in the market, many friends want to start.

But there are also many people who don't know whether to buy Tianan Life Insurance. Is this kind of annuity insurance worth starting with? Sister Xue decided to evaluate this product now.

What basic knowledge about insurance do you need to know before the assessment?

"Only by understanding these key knowledge points first can everyone buy insurance to be foolproof! 》

1. What are the contents of life annuity insurance?

Not much to say, look at the product evaluation chart first:

The product evaluation chart clearly shows that the life annuity insurance with the age of 28 days to 59 years old is guaranteed for life.

What are the specific protection contents of life annuity insurance? Let's see:

1, pension annuity

Enjoy life annuity insurance, and pass the threshold of 60 years old to receive pension annuity.

There are two ways to receive pension:

First, the annual collar, understood as once a year, receives all basic insurance protection;

The second is to pay monthly, which provides an opportunity to receive it once a month, and the pension annuity received is 8.5% of the basic insurance amount.

The insured chooses a more suitable collection method according to the actual demand.

2. Death insurance

After the death of the insured, he shall enjoy the death insurance money provided for life. According to the regulations, the insurance company will choose the larger one to pay the death insurance premium according to the actual premium paid by this insurance and the cash value of the policy at the time of death.

What are the advantages and disadvantages of enjoying life?

After reading the relevant guarantee content of life annuity insurance, let's study its advantages and disadvantages.

1, enjoy the advantages of life:

& gt& gt annuity collection method is flexible.

Enjoying life annuity insurance can meet the needs of different customers in the way of annuity collection. * * * There are two forms, which are more comprehensive than those annuity insurance products that can only be received annually.

One more thing, the annual guarantee for the new moon collar is the basic guarantee 102%, which is 2% higher than the annual guarantee. From this perspective, the cost performance is really high.

Senior sister suggests that you can give priority to your monthly salary and receive a higher amount.

2. Enjoy the shortcomings of life:

& gt& gt insurance coverage is small.

When it comes to the age of insurance, the premium life annuity insurance is set at 28 days -59 years old, which is too small to meet the insurance needs of customers of other age groups.

For other products of the same type, the maximum annual insurance age is 65.

The age setting of>& gt annuity is unreasonable.

Easy life annuity insurance requires you to be over 60 years old to start receiving the guaranteed annuity, which is very inhuman.

On the issue of retirement, it is well known that women retire earlier than men, and the age is generally 55. However, according to the provisions of life annuity insurance, customers can't receive annuity until they are 60 years old, so female customers can't get annuity protection five years before retirement.

It is unreasonable to design life annuity insurance in this way.

And there are many products of the same type on the market for people of different ages to choose from.

Take the wishful pension annuity insurance of Xintai Life Insurance as an example. The age of receiving an annuity is divided into 60 years, 65 years and 70 years for men. The age at which women receive an annuity is divided into 55, 60, 65 and 70.

In contrast, it is not so good to enjoy life annuity insurance.

At this point, senior sister teaches you several tricks to enjoy life annuity insurance:

"Teach you a few tricks to enjoy the life of wool, tens of thousands a year is a matter of moving your fingers ..."

Finally, the senior here can't help but say that the protection content of life annuity insurance is average, and the cost performance is also average, which is not worth buying.

Regardless of the small partners who enjoy lifelong annuity insurance, Senior Sister recommends several cost-effective annuity insurance products:

"Top Ten Annuity Insurance Rankings ▏ Among high-yield annuity insurance, 10 has the highest cost performance! 》

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!