Is the insurance annuity product worth buying? Is there a hole?

Is the insurance annuity product worth buying ？ Are there any pits ？

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Take the answer 1：

Hello! , In fact, annuity insurance can also transfer risks , It has guarantee function , It's just that the transferred risk is not like major disease insurance , Term life insurance , Accident insurance and other products are easy to be found by us .

The biggest feature of annuity insurance is from the purchase of the policy to the termination of the policy contract , Its predetermined interest rate is unchanged . The payment of annuity insurance is written in the insurance contract , Insurance contracts are protected by law , I think it's relatively stable and safe for .

But the purchase of annuity insurance is not simply based on the predetermined interest rate （ The predetermined interest rate is not the yield , Insurance companies also have fee rates ）, In addition to reference from the perspective of Insurance , Also refer to IRR value . Some annuity insurance is calculated IRR only 2.3%, Compared with the current bank 2/3/5 The interest rate of one-year deposits is still low ！（IRR Considering the time value, the actual rate of return that can be achieved by investment , The longer the investment time 、IRR The higher the 、 The higher the return ）

Insurance is a risk transfer tool that every family needs , But how to buy , Who are you looking for , Can I help you? , There will be doubts , As a senior insurance broker , With the most professional knowledge 、 The most intimate service 、 Help you buy the right products , No detours . If necessary, you can add my wechat to further communicate and understand . I wish you and your family a happy life ！

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