So, is Huaxia Fuguizhu Annuity Insurance really worth starting with? Is the income really high? Let's reveal the answer for you!
Before this, seniors must let everyone know about the pitfalls that often exist in annuity insurance, so as not to be fooled:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. Is the guarantee responsibility of Huaxia Fugui Zhuzi Annuity Insurance good?
As before, Senior Sister takes you to understand the nature of Huaxia Fuguizhu Annuity Insurance:
Senior, I won't look back. First, I will show you the evaluation results of Huaxia Fuguizhu Annuity Insurance:
1, short warranty period.
Huaxia Fuguizhu Annuity Insurance The guarantee period of this product is only 15 /20 years.
To be honest, this guarantee period is not very long. It can only be said that Huaxia Fuguizhu Annuity Insurance is suitable for people who need to buy short-term annuity insurance!
Obviously, Huaxia Fuguizhu Annuity Insurance is friendly to friends who need short-term protection. Senior sister recommends that you buy annuity insurance to protect your life. The protection period is your life. Simply put, the longer you live, the more you earn!
If you want to invest in the short term and are a small partner with sound financial management, you can consider it!
2. Death protection is tricky.
For example, Mr. Li insured Huaxia Fugui Zhuzi Annuity Insurance with a guarantee period of 20 years and a premium of 654.38+million, which will be delivered in five years.
If you die unfortunately in the tenth year of the policy, how much money can you get in this case?
According to the death protection of Huaxia Fuguizhu Annuity Insurance, the premium and cash value paid are relatively large. In the first year of the policy 10, the premium has been paid 500,000, and the cash is only 459,800.
If the premium paid and the cash value are large, doesn't that mean that the premium paid will only be refunded to you? Are you kidding?
So senior carefully prepared this list of high-yield annuity insurance for you, now or never:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Fortunately, the income from Huaxia Fugui Bamboo Annuity Insurance is not bad. If not, it's really nothing special. ...
What is the income of Huaxia Fuguizhu Annuity Insurance? Then stay tuned ~
Second, is the income of Huaxia Fugui Zhuzi Annuity Insurance high? I'm not kidding. ...
1, premium due
When Huaxia Fuguizhu Annuity Insurance Contract expires, if the insured is still alive, this situation will lead to the payment of the premium paid, and the insurance company will pay it as due payment, and the contract will be terminated!
But if the insured dies before the agreed guarantee period, you won't get the money.
2. Annuity
The rules for receiving the annuity of Huaxia Fuguizhu Annuity Insurance are that the insured will receive the annuity according to a certain proportion from the fifth policy anniversary date (including the fifth policy anniversary date). What are the specific benefits of the product? For example:
If Xiao Zhang insured this annuity insurance at the age of 30, the guarantee period is 20 years, and the annual cost is 654.38 million yuan, which is divided into five years. So, how much can Xiao Zhang get in the process of getting an annuity?
As can be seen from the data of calculus in senior three:
Looking at the income calculus of Huaxia Fuguizhu Annuity Insurance, we can know that the IRR of this product is 4. 1%, and the income is high!
Moreover, if you receive the annuity from the fifth year of the policy until the expiration of the guarantee period, Xiao Zhang will receive * * * 544,000 yuan.
This doesn't include expired insurance ~
In a word, the performance of this Huaxia Fu Guizhu annuity insurance is OK. Although this product is not fully guaranteed, it is still very high in terms of income! Suitable for people who pursue high returns.
But if its purpose is to support the elderly, the senior sister will not strongly recommend it!
If you want to stabilize your investment in the short term, you can refer to Huaxia Fuguizhu Annuity Insurance.
This senior has compiled more evaluation results of Huaxia Fugui Zhuzi Annuity Insurance for everyone to see. If you are interested, you can open:
"When I know the benefits of Huaxia Fugui Zhuzi Annuity, I want to cry ..."
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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