What are the advantages and disadvantages of China Merchants and Life Insurance Zhao Yi Annual Pension Insurance? Is it worth buying?

Zhao Yi annual pension insurance is a product underwritten by investors and life insurance. Senior sister will analyze it for you today for your reference.

Space is limited, if you want to see the analysis from other angles, you can poke another evaluation of senior sister:

"Is it worth buying China Merchants and Zhao's one-year pension annuity insurance? An analysis! 》

1. How about the annual pension insurance of China Merchants and Zhao Yi? OK or not?

As usual, Senior Sister will first show you the product form diagram of Zhao Yi's annual pension annuity insurance:

I believe that everyone has a general understanding of this product after reading the above picture, so I won't talk nonsense and tell you directly!

1, short payment period.

In terms of payment period, Zhao Yi Annuity Pension Insurance gives you four choices, namely 3 years, 5 years, 10 years and 20 years. There is no co-payment.

From the perspective of consumers with high income stability, this is just a trivial matter.

However, for people with low income stability, it is not very beneficial for the insured to recruit annual pension insurance.

For example, a tour guide is Xiao Wang's livelihood, and there is a big difference in income between peak season and off season. If you plan to pay the premium in several years, the contract will be invalid because you can't afford to pay the premium, and the probability of losing protection is still very high; If it is replaced by wholesale delivery, the validity of the contract can be guaranteed smoothly, and the procedure of continuous payment can be omitted.

2. Pension annuity is flexible.

Zhao Yi's annual pension insurance covers the starting age of various pension annuities, and the options are different for different genders.

Specifically, the age of the male insured is 60, 65 and 70 years old, and the female insured can choose 55, 60, 65 and 70 years old as needed.

According to China's current retirement policy, under normal circumstances, the retirement age of men is 60 and that of women is usually 55, so this setting is quite good.

In addition, this annuity insurance has two ways: annual payment and monthly payment, and the payment ratio is different.

If the annual pension is selected, the proportion of the annual pension received by the insured is set to 100% of the insured amount; If you choose a monthly salary, you can get an 8.5% guaranteed pension annuity every month.

I have to say that the annual pension insurance in Zhao Yi is very flexible!

3. The pension annuity is guaranteed for 25 years.

From the agreed date of receiving the pension, the insured can receive the pension before his death, in other words, the longer he lives, the more he receives.

If the insured dies unfortunately and can't get a pension for several years, there will still be losses.

Fortunately, Zhao Yi's annual pension annuity is guaranteed for 25 years!

In other words, if the insured dies unfortunately during the guarantee period of receiving the pension annuity, the insurance company will pay the beneficiary the pension annuity that has not been paid in time during the guarantee period.

Therefore, the setting of annual pension insurance in Zhao Yi is very friendly, which locks in everyone's income.

If you value this point, you can also consider raising a lot of No.3 pension annuity insurance, and the benefits are very considerable:

"Everyone has a lot of No.3 pension annuity insurance, and it is a heavy attack. An analysis! 》

Second, is it worthwhile for investors and Zhao Yi to pay annual pension insurance?

In short, Zhao's one-year pension insurance has done a good job in pension annuity, but it should be noted that the payment period does not provide the option of batch payment, which is not very beneficial to consumers with unstable income, nor is it particularly worth pursuing high cost performance.

Senior sister suggested that excited friends should not rush to start. There are some better products on the market, so it's not too late to make a decision after comparison:

"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》

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!