Whether it is the social security pension that has risen for 19 consecutive years this year, or the bank deposit interest rate that has been lowered 4 times, everyone clearly understands that pension planning is urgent.
Therefore, buying high-yield annuity insurance as a supplement to the pension has also become the choice of many friends.
But in addition to benefits, different friends have different needs, such as some careWhether the amount to receive is high or not、Some wantedFlexible pick-up options、Some careHave you *** claimed、Some thinkAttach a universal account, some willConsider retirement communitiesWait.
The 4 recommended today are all very popular annuity insurance products in the market, not only excellent in receipt, but also with their own characteristics, and their comprehensive performance is very good.
1. Xinxi annual pension insurance (paragraph C).
2. Xinghai Winner (Tiger Roar Version) Pension Insurance.
3. Golden Jubilee Life Annuity Insurance (2023 Edition).
4. Fuman No. 2 pension insurance.
Recommended product: Xinxi Nian Nian (C model).
Reason for recommendation:
The annuity is high, ranking in the first echelon of the market.
The overall benefit is high, and the old age still enjoys the current price.
While receiving the annuity and gold border protection, the pension inheritance is correct.
The birthday pension is set up to protect the elderly, and it will add confidence in old age.
As the pension insurance product jointly launched by Sycamore Tree Insurance Brokers and Fude Life Insurance, it is collected".Generous sum insured + high gold birthday + long-term high current priceIt can meet the diversified capital needs in multiple scenarios!
Take the 35-year-old Mr. Chen to apply for Xinxi Year (paragraph C), pay 100,000 premiums per year, pay 3 years, and receive an annuity from the age of 65 as an example
It can be seen that from the age of 65, Mr. Chen can receive it every year47,100 yuanPension.
By the age of 80, the cumulative pension received is about 25 times, the current price of the policy is still 36More than 50,000.
On the first policy anniversary of his 86th birthday, Mr. Chan can receive a one-time payment94,200 yuan birthday money
At the age of 90, the current price of the policy will be terminated and the death liability will be terminated accordingly, and the total premium will be 4 times the total premium.
In the case of long-term holding, the IRR (non-real rate of return, internal rate of return) has a chance to break through
This income performance is also quite outstanding when looking at the current entire annuity insurance market.
In addition, Xinxi year (paragraph C) canShort-term pick-up, this year's insurance, for the elderly who are about to retire, can receive it as soon as the 5th year, for exampleIf you pay it at the age of 55, you can receive the pension on the policy anniversary at the age of 60This is quite friendly to the older generation who have more urgent needs for the elderly.
Recommended product: Xinghai Winner (Tiger Roar Edition).
Reason for recommendation:
There are two plans: guaranteed for 10 years and 20 years.
The current price level of the policy is excellent, and the upfront asset planning is more convenient.
It can be connected to the retirement community and equipped with a universal account.
Xinghai Winner (Tiger Roar Version) is among the many pension insurancesThe main spot price performance is reliableIt is especially friendly to young and middle-aged people with heavy family burdens.
As the current policy price of Xinghai Winner (Tiger Roar Edition) can exceed the premium paid relatively quickly, and the overall level is firmly in the first echelon among similar products.
Before the opening of their own old-age security, even if the elderly and children in the family have various financial needs, they can also passApply for policy reduction or policy loanto be flexible.
Of course, the follow-up will be launchedTiantianying (Longteng Edition) universal accountIt is also worth looking forward to the fact that after Xinghai Winner (Tiger Roar Edition) docks with the universal account, the annuity that cannot be used temporarily or the spare money on hand can be put into the account for management and value-added, so that the overall policy benefits can be taken to a higher level.
In addition, the pension of Xinghai Winner (Tiger Roar Version) has set up two plans:
If you want to guarantee a longer period of time, you can choose 20 years;
Those who wish to appropriately reduce the guaranteed payment time and further increase the level of annuity receipt can choose 10 years.
If you want to adjust the plan, you can also apply for a change if you are eligible.
Recommended product: Golden Jubilee Life (2023 Edition).
Reason for recommendation:
The annuity can be received in as fast as 5 years, and the payment plan is flexible.
The pension also has the function of education fund, and the annuity is widely used.
The insurance threshold is low, and the benefits are growing steadily.
Compared with conventional annuity insurance, the flexibility advantage of Golden Jubilee Life (2023 version) is more prominent.
For example, it supports a variety of collection schemesYou can start receiving annuities as early as the 5th policy anniversaryYou can start receiving it up to the age of 70 at the latest, and you can decide according to your planning purpose.
For example, if you want to use it for parenting as soon as possible, you can open the stable receipt as early as possible, and the special funds will be used for special purposesIf you tend to retire, you can wait until you retire later to start receiving, so that the policy benefits can accumulate for a while.
Take a 30-year-old lady A who pays 100,000 yuan a year for 5 years as an example:
It can be found that from the 5th year, you can receive it every year15840 yuanStraight for life;
At the age of 50, i.e. on the 20th policy anniversary, the total annuity and cash value of the annuity and cash received is 77880,000, which has exceeded the cumulative total premium;
Ms. A is 90 years old, i.e. on the 60th policy anniversary, and the cash value is 278 times;
If you survive until the age of 105, you can also receive a total of 161 annuities and cash value720,000, the policy benefit is considerable.
Also, Golden Jubilee Life (2023 Edition).The policy reduction rules are also very relaxed, with no restrictions on the proportion and number of timesCombined with the high current price level, it can provide a variety of options for asset planning.
Recommended product: Fuman No. 2
Reason for recommendation:
The pension is guaranteed to be received for 20 years until old age.
The policy has comprehensive functions and can be connected to the retirement community.
The insurance threshold is low, and health notification is exempt.
Fuman No. 2 has IP reputation as the foundation, the product is more stable, and everyone is more at ease when they choose.
Continuing the advantage of full of blessings, it is still trueIt is more advantageous for women to be insuredYou can receive an old-age pension as early as the age of 55 and are guaranteed to receive it for 20 years, suitable for friends who tend to receive a guaranteed minimum safely.
Take 30-year-old Ms. Chen, pay 100,000 yuan a year, pay for 10 years, and receive it at the age of 60 as an example:
Starting at the age of 60, you can receive more than 110,000 pensions per year.
At the age of 80, he has received more than 2.44 million pensions.
At the age of 100, he has received more than 4.76 million pensions.
And the conditions for receiving this pension are quite simple!After applying for insurance, as long as the agreed age is reached, that isMen can choose 60 65 70 years old, and women can choose 55 60 65 70 years old.
In addition, the pension community docked by Fuman No. 2 is a big advantage of "attracting fans", and the difference between it and some pension communities is that it pays more attention"City-based pension".The community as a whole takes the high-end route, and the site selection tends to be in the city center, which truly implements the meaning of "doorstep pension". Moreover, the surrounding medical facilities are perfect, and professional health care services are also provided, so friends who are concerned about the health of the elderly can make reasonable use of this resource.
Write at the end
The above is an introduction to 4 popular annuity insurance products, and the overall performance is very good. It is recommended that you can make targeted choices according to your own insurance age, pension planning, different capital needs, etc.