Therefore, to predict the future pension, the mainstream product of the third pillar pension insurance will be supported by annuity insurance.
No, Kangjun Life has paid more and more attention to the problem of an aging society. The long-term vision has focused on the service of the pension market and conducted in-depth research, fully satisfying all the needs and interests of the target customers.
Recently, a product named Grand Hyatt Lifelong Pension Insurance has been launched, which has won enough attention with the slogan of "safety and stability, contract embodiment", "fixed payment and lifelong collection". Is this product really worth buying? Please look down!
Prior to this, there were some hot comparison tables between pension annuity insurance and Grand Hyatt Life Insurance. In fact, you can compare it first to see what advantages it has: "Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
1. Is the Grand Hyatt worth buying for a lifetime?
Let's take a look at Jun yue life's product protection map:
Senior directly gives the conclusion:
1, Grand Hyatt's first collection was late.
The first time I received the premium of Grand Hyatt whole life insurance was the first policy anniversary after I was 65 years old. If compared with some similar products on the market that can be received before the age of 60, the products of Grand Hyatt may not look as good as the former.
Although the current social situation is to delay the retirement age, of course, it is best to get insurance money as soon as possible!
Therefore, you must confirm the terms repeatedly before buying annuity insurance, otherwise it is easy to lose money.
It will take a long time for the Grand Hyatt Hotel to resume its original life.
Grand hyatt life pension can be paid annually or monthly. If the pension is paid annually, assuming that the basic premium is 15000 yuan, the payment period is 10 year, and the accumulated premium is 150000 yuan, the insured can receive the pension according to the basic insurance amount.
Then, take a 30-year-old woman as an example. The configuration of Grand Hyatt takes 10 years to get back the principal, which means the time to start collecting is 65 years old, and the time to get back the principal is 75 years old. This time is really long!
Even if you receive it for life, it is not too much to receive 16065 yuan every year!
After all, will the standard of living in a few decades be the same as today?
It can be seen that Grand Hyatt can't stand the test after all! For the partners who have the intention to buy, the senior sister thinks it is necessary to think twice!
In this case, senior sister has found excellent annuity insurance and will definitely introduce it to you. You can pay attention to Taikang Win Yue Life Annuity Insurance!
Second, if you want to live a good old age, this product is essential!
As before, let me show you the product map of Taikang winning yue life:
Why should senior sister recommend Taikang Win Yue life annuity insurance to everyone? The reason for this is the following：
1, annuity collection options are diverse.
Taikang Win Yue Life Insurance has four kinds of annuities to receive, and the four kinds of insurance benefits provided by Taikang Win Yue Life Insurance are: special insurance, survival insurance, birthday insurance and education care.
After the policy is paid for 6 years, you can get money for life from the sixth year, which means that the longer you live, the more annuities you can get!
Compared with Grand Hyatt, which can only get pension and death insurance, Taikang has won a lot of benefits in life.
2. General account can be attached.
Taikang Yue Ying Life Insurance has set up a universal account. The definition of universal account is actually a VIP account set up by insurance companies for customers.
If you apply to buy Taikang Win Life Insurance, friends who are not in a hurry to withdraw the money can deposit it in a universal account for secondary appreciation. It is great to get income through this money cycle!
If you have friends who are interested in the value-added principle of universal account, click to enter: "Super full! Everything you want to know about insurance is here.
What is Taikang's income from winning longevity? Senior sister has prepared a detailed introduction for everyone!
3. The income is considerable.
Here, we assume that the 30-year-old Lao Wang pays 65,438+million yuan for Taikang Win Yue every year for five years, so as to make a demonstration for everyone, as shown in the following figure, which is the income he can get:
First of all, special survival insurance can be collected in the sixth, seventh and eighth years after the policy takes effect, and it can be collected for three years, totaling 75,000 yuan;
Secondly, the survival insurance money is collected from the ninth year of the policy, and 20% of the insured amount can be received before the age of 60, and 7680 yuan can be received every year; Receive 15360 yuan every year after the age of 60;
Finally, if you are still alive at the age of 70-79, you can get birthday insurance, and you can get 500 thousand in ten years.
According to the benefit calculus diagram, Lao Wang can receive 1220 120 yuan when he is 90 years old, which is much more than the total premium.
Of course, if Lao Wang wants higher income, he can also transfer the money to the universal account for secondary appreciation. This income is too awesome!
The following article makes a comprehensive analysis of Taikang Win-Win Life Insurance: "Taikang Win-Win Life Annuity Insurance was launched heavily, and I was finally moved! 》
Third, the summary of the senior sister
In a word, the guarantee responsibility of Grand Hyatt's life-long pension annuity is not very strong, and the income is not good, so it is not so easy to return to the original.
Compared with Taikang's winning life, it's really not so good!
To tell the truth, compared with Grand Hyatt Life Insurance, Taikang Yue Yue Life Insurance has set up more kinds of annuity collections, and the income is more powerful. Why don't you choose Taikang Yue Yue Life Insurance?
Write it at the end
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