What are the advantages and disadvantages of an annuity insurance in Ruinian? What is the age limit for insurance?

A-type annuity insurance is very popular on the Internet, and it is said that it is cost-effective.

There are also many small partners asking, is an annuity insurance in Ruinian really so cost-effective? Is it really worth buying?

Before starting the analysis, I suggest you read this article to supplement the insurance knowledge related to annuity insurance, so as to facilitate the understanding of the following articles:

"Super complete! Everything you want to know about insurance is here.

I. Contents of Annuity Insurance in Section A of Ruisui Year

Cut the crap, senior. Let's take a look at the content map of this product:

Take this opportunity today, Xue Jie will introduce the insurance rules and protection contents of this product to you in detail.

1, insurance rules

Anyone who meets the age of 30 days to 70 years can apply for annual A annuity insurance.

Support 15 and 20 years, but do not support lifetime protection. For those who want to configure lifetime guarantee, this product will be a bit unsuitable.

The payment period of this insurance is determined after consultation with the insurance company at the time of purchase, so you can choose the payment period suitable for your own situation from your own actual situation when you enter the insurance link.

If your income fluctuates little and you want to get a higher amount of insurance, you can consider a longer payment period.

If your current income is not low but not very stable, then you can consider paying all the premiums in one lump sum.

2. Guarantee content

A-type annuity insurance in Ruisui has two kinds of protection: survival annuity and death protection.

When the insured reaches the sixth policy anniversary and survives every policy anniversary thereafter, he can get a survival annuity, which can be obtained until the insured dies or the contract expires.

That is to say, if you choose the guarantee period of 15 and have been living during the guarantee period, then the time from the sixth policy anniversary to the 15 policy anniversary is the time for everyone to receive the survival annuity.

Death insurance can be understood as the insurance period. For the insured, if he dies unfortunately, the insurance company will provide death insurance.

The insurance company will pay the death insurance premium according to the larger amount of the two:

(1) The accumulated premium paid by the insured at the time of death (excluding interest) minus the sum of the survival annuities received (excluding interest); (2) The cash value of the contract at the time of the death of the insured.

So is there a pit in this product? Is it worth buying? Senior sister reveals A annuity insurance for you, so that you can buy suitable insurance without stepping on the pit:

I want to tell you the truth before I take A annuity insurance in Ruinian. ...

Second, what should I pay attention to when insuring the annual A annuity insurance?

Suppose you have a plan to buy this product, then senior sister suggests that you master these easily overlooked information first.

1, policy loan

Policy loan means that the insurance company gives us a policy interest.

According to the A annuity insurance in Ruinian, we can apply for a policy loan from the insurance company within the validity period of the contract.

The loan amount shall be less than 80% of the contract cash value after deducting all arrears and interest at the time of application, and each loan period shall not exceed 6 months.

It also means that we can apply for policy loans when the capital turnover is difficult, which can alleviate the current economic pressure.

2. Who is suitable for insurance?

Due to the financial management function of an annuity insurance in Switzerland, the premium it needs to pay is often very high.

If you say that you haven't done a good job of personal protection now, senior sister recommends that you buy critical illness insurance, million medical insurance, accident insurance and term life insurance first.

If there is money left after purchasing these insurances, then consider whether to allocate annuity insurance products.

On the whole, Ruisui's A annuity insurance is not worth buying because of its low cost performance and insufficient protection.

For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products.

Finally, senior sister sends you an insurance strategy for annuity insurance:

Learn this trick and stay away from the 99% pit of annuity insurance.

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!