When we buy annuity insurance, we need to pay attention to the collection method, the guaranteed collection period and the internal rate of return. In addition to these three aspects, we also need to avoid these pitfalls of annuity insurance: learn this trick and stay away from the 99% pit of annuity insurance.

First of all, in terms of collection methods, many annuity insurances will provide two collection methods, namely annual collection and monthly collection, but some annuity insurances only provide annual collection. When buying annuity insurance, we should consider whether the collection method meets our own needs. If you don't want to take the time to choose, you can choose from this list: Top Ten Annuity Insurance Rankings-Want to buy high-yield annuity insurance? Don't miss this 10 model again!

Secondly, in terms of the guarantee period, some annuity insurance can guarantee 20 or 25 years. During this protection period, if the insured dies unfortunately, the insurance company will usually pay the remaining unpaid pension to the beneficiary in one lump sum. When we buy annuity insurance, we can give priority to products that guarantee life, which is more beneficial to us. This kind of annuity insurance similar to Taikang Life Insurance can guarantee 25 years. Interested friends can have a look: Taikang Huiying Life (Love Home Edition) Annuity Insurance (Dividend Type)? You will know after reading it!

In addition, in terms of internal rate of return, it is actually what we often call irr, which can truly reflect its income. The internal rate of return of annuity insurance should be close to or reach 3.5%.

Hope to adopt!

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