Removed from the shelves, cancelled the 15 20 year payment, and canceled the 65-year-old payment method.
Recently, a large number of excellent savings insurance companies are facing adjustments, such as Xinxi Year 2024, and some new products are about to be launched.
We carefully measured the gap between the old and new productsIt was found that the income of women taking out pension insurance decreased more
If you've been paying attention to savings insurance,You want to have an adequate pension for the rest of your life, or retire earlyThis article must take 2 minutes to read.
In the past few years, many friends can feel that there is no place to save money.
For example, the 5-year fixed deposit interest rate on the official website is only 2%, and some village and township banks dare not deposit although the interest rate is higher.
In contrast, pension insurance also has 3 4% compound interest for a period of several decades, which is obviously too high.
Regulators are also worried that insurance companies will be under pressure in the future and continue to tighten policies, and those savings insurance that does not meet regulatory requirements will be removed from the shelves.
So how big is the difference between the benefits of the old and new products?
We take "a 30-year-old woman, pay 50,000 yuan a year, pay for 5 years, and receive money at the age of 60" as an example to compare the benefits, as shown in the following table:
For example, the amount of money that can be received every year is 2,000 yuan less; At the age of 80, the total income is nearly 60,000 yuan less.
We also measured the income of male friends, and the money they received was similar, and the difference by the age of 80 was only more than 9,000 yuan.
It can be seen that this adjustment has a greater impact on female friends.
In addition, the fourth set of "Life Tables" is soliciting comments, and if implemented, it will also affect the income of annuity insurance.
For example, the life table used to calculate pension insurance premiums has increased male life expectancy by 1At 8 years of age, women raised 24 years old.
And if the life is long, the insurance company will have to reduce the annual money received by the annuity insurance so that it will not lose money。In other words, buying annuity insurance now is equivalent to "picking wool" on the insurance company.
In general, whether it is product adjustments or life expectancy improvements,It has a greater impact on female friends who want to take out annuity insurance
Most of the people who actually come to consult annuity insurance are female friends. In their eyes, an adequate pension is not only a sum of money, but also a courage and confidence in life.
So, what other high-yield annuity insurance is worth choosing now?
We have selected 5 excellent annuity insurances, as shown in the table below:
Let's go straight to the conclusion:
Want high yields,You can consider Fuduoduo No. 1, which can receive about 3 per year50,000 yuan, the cash value lasts until the age of 90, and the yield after the age of 70 is higher than that of other products;
If you want to get your money early,You can consider Golden Jubilee Life 2023, which can be used as a sum of money every year from the end of the 5th year at the earliest, which can be used as living expenses, children's education funds, and other high-yield investment funds, which is very flexible;
Worried that money will be used in advanceYou can consider adding more than 5 (lightning version), after 2 years of premium payment, the cash value can exceed the premium, and the upfront income is close to 30%, it also supports insurance reduction, and you can use money according to your needs.
There is also a Fude Life Insurance's Xinxi Year 2024, which is slightly lower than Fuduoduo No. 1, 85 95 years old has additional birthday money, and the later yield is higher, and you can choose 15 20 years to pay, but these two payment periods will be off the shelves at the end of this month.
If you are on an average budgetIf you want to extend the payment period and slowly save pension money, you can seize the opportunity and consider this paragraph
If you are interested in the above products and want to see how much money you can receive, you canClick the card belowBook a consultation.
Buying pension insurance, after all, is a lifelong financial plan, and the stakes are very high, and everyone will have such and such worries, such as:
Q1: If I pass away before I receive the money, will the annuity insurance premium be paid in vain?
It won't be in vain.
Pension insurance has death protection, and if you leave before you receive the money, you can pay the greater of the premium paid, the cash value. We can at least get our premiums back and not lose money
In addition, after receiving the money for a few years, he died, and there was also a compensation.
Like the Fuduoduo No. 1 above, there are a total of 38 when you are 70 years old40,000, at this time the unfortunate death can pay a cash value of 3550,000, which adds up to far more than the 250,000 premium we paidAgain, there will be no loss
Everyone should also pay attentionWhen applying for insurance, it is necessary to set up a death beneficiary, leave the money to the person you want to give; After applying for insurance, you should notify your family members in time, to avoid accidents, but the family did not know that there was this insurance.
Q2: What should I do if the insurance company goes bankrupt before I can receive the money after decades?
First of all, insurance companies involve the interests of hundreds of millions of peopleIt is strictly regulated and protected by laws such as the HKMA and the Insurance Law, and not easy to go out of business.
In the event of a real bankruptcy, life insurance, such as annuity insurance, must be transferred to another insurance company according to Article 92 of the Insurance Act. Note that the law says "must" rather than "should".
For example, in 2023, the regulator will dispose of 3 risky insurance companies, and all the policies will be transferredThe interests of consumers have not been compromised in the slightest
All in all, under strict regulatory policies and a perfect back-up system, annuity insurance is very safe.
In the final analysis, whether to buy pension insurance or not depends on the needs and abilities of the individual, and do not follow the trend of insurance because the product is adjusted or taken off the shelves.
If you have the need to plan for retirement, you also have a sum of money that you can't use for a long timeTake advantage of this windowPrepare for your retirement in advance.
If you have any questions about the above, you canClick on the card aboveMake an appointment with a professional teacher for a one-on-one consultation.