With the passage of time, we are full of beautiful visions for the future of retirement life. Imagine that we are no longer tied to work for living expenses, and enjoy the passive income of assets to meet our daily expenses, and we pursue financial freedom and comfort. More importantly, we desire to be completely relaxed mentally, no longer bothered by anxiety and insecurity, but to be able to enjoy the peace and contentment of every moment with joy in our hearts.
In the context of the instability of the pension system and the increasing spread of pension anxiety, the purchase of pension insurance has become a wise choice. At present, high-quality products such as Fuman Man No. 3 and Fu Duoduo No. 1 have attracted much attention on the market, which provide us with reliable pension security and allow us to have more choices and freedom in our later life. In order to help you better choose the right product for you, we will conduct an in-depth evaluation of these two products to provide you with professional advice and guidance. Let's explore together to add peace of mind and beauty to the future retirement life.
First of all, let's take a look at the basic situation of the two products.
Fuman No. 3 is suitable for a wide range of people, covering all ages from 30 days old to 65 years old. Compared to other products, Fuman Man No. 3 has a low insurance threshold, and this product offers a variety of payment period options, up to 20 years, to meet the needs of customers who want to pay for a long time.
In terms of death liability, if the insured dies before the pension is paid, Fu Man Man No. 3 will pay according to the greater of the premium paid and the cash value; In the event of death after the start of the pension payment, the remaining guaranteed payment will be paid in a lump sum.
Fuduoduo No. 1 Pension Insurance has attracted attention for its relaxed insurance rules. There is no need for health notification and waiting period, and the coverage age is relaxed to 65 years old, providing a rare opportunity for retirees or those with abnormal medical conditions. In addition, the premium threshold is relatively low, with a single premium of 30,000 yuan, and an annual premium of only 1,000 yuan to apply for insurance, which is very intimate. In terms of protection, Fuduoduo No. 1 not only receives a higher annuity amount each year, but also has a higher overall benefit. For example, if you pay for 5 years, your IRR can reach 3.3 when you are 70 years old12%, up to 3 at the age of 8041%, and up to 3 at the age of 10092%In addition, Fuduoduo No. 1 Pension Insurance also provides death benefit, which will pay the greater of the premium paid and the current price in the death before receiving it, and pay the cash value after the death payment, and the cash value will continue until the age of 90, providing the policyholder with a full range of protection and peace of mind. Now that we've talked about it, let's get down to business. What are the different advantages of Fumanman No. 3 and Fuduoduo No. 1?
Taking a 40-year-old man who pays 5 years, pays 100,000 premiums per year, and starts to receive at the age of 60 as an example, compare the current price and cumulative annuity of Fuman Man No. 3 and Fuduoduo No. 1. Displayed according to the calculations**
In terms of annuity collection: Fuman No. 3 receives an annuity of 53,300 yuan per year, while Fuduoduo No. 1 receives an annuity of 52,100 yuan per year. As we age, the annual difference gradually widens. For example, by the age of 90, the cumulative difference has reached 37,200 yuan.
In terms of current price, the current price of Fuduoduo 1 is only 90 years old, while Fumanman 3 can be extended to 106 years old. Considering the growing trend of the average age of the society, Fuman No. 3 provides a longer term of protection and a greater sense of security for the insured.
Through the comparative analysis of Fuman No. 3 and Fuduoduo No. 1, we can clearly see the two major advantages of Fuman No. 3 in the field of pension insurance.
First of all, Fuman No. 3 has outstanding performance in annuity collection. According to our calculations, the annual annuity amount of Fuman Man No. 3 is higher than that of Fu Duo Duo No. 1, and the difference between the two gradually widens as the age increases. This means that if you choose Fuman No. 3, you will enjoy more generous annuity income during your retirement period, providing you with more abundant financial protection in your later life.
Secondly, Fuman Man No. 3 has a longer protection period in terms of current price. In contrast, the current price of Fuduoduo 1 only covers the age of 90, while the current price of Fumanman 3 can be extended to 106 years old. Considering the continuous improvement of modern people's health level and the trend of longer life expectancy, choosing Fuman Man No. 3 will provide you with more long-term and stable protection, so that your later life will be more secure and comfortable.
Therefore, taking into account the advantages of Fuman No. 3 in terms of annuity collection and current price, we recommend you to purchase Fuman No. 3 pension insurance to ensure that your pension life can be more comprehensive and lasting protection. Choose Fuman No. 3, let us welcome the future full of peace of mind and a beautiful old age.