Can I buy annuity insurance? Is annuity insurance safe?

Can I buy annuity insurance ？ Is annuity insurance safe ？

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Take the answer 1：

Hello! ,

Annuity insurance can buy , Annuity insurance belongs to life insurance , It usually requires the insured to pay the premium on time , Usually, the subject matter of insurance is whether the insured survives after expiration . Annuity insurance is usually purchased to protect the insured's later life after retirement , Therefore, it can also be regarded as a kind of endowment insurance . Annuity insurance is relative to ordinary insurance , More like an investment . Annuity insurance is generally placed in life insurance 、 After medical insurance and accidental injury insurance , Because we must first ensure the survival of the insured .

1、 Personal endowment insurance ： Endowment insurance is a major type of annuity insurance , The agreed age for receiving insurance benefits is usually 50-60 year , You can get it on a monthly basis , You can also get it at the expiration of one time ;

2、 Regular annuity insurance ： The annuity insurance is usually the children's education annuity , There are also new types of anniversary annuities that can be purchased for spouses , The same is to pay the premium on schedule within a certain period of time , Then you can get the annuity after reaching the time limit specified in the contract .

If necessary, you can add my wechat , I will use the most professional knowledge to help you choose the right insurance , Don't step on a hole ！

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Take the answer 2：

Annuity insurance can buy , Annuity insurance belongs to life insurance , It usually requires the insured to pay the premium on time , Usually, the subject matter of insurance is whether the insured survives after expiration . Annuity insurance is usually purchased to protect the insured's later life after retirement , Therefore, it can also be regarded as a kind of endowment insurance . Annuity insurance is relative to ordinary insurance , More like an investment . Annuity insurance is generally placed in life insurance 、 After medical insurance and accidental injury insurance , Because we must first ensure the survival of the insured .

Classification of annuity insurance



1、 Personal endowment insurance ： Endowment insurance is a major type of annuity insurance , The agreed age for receiving insurance benefits is usually 50-60 year , You can get it on a monthly basis , You can also get it at the expiration of one time ;

2、 Regular annuity insurance ： The annuity insurance is usually the children's education annuity , There are also new types of anniversary annuities that can be purchased for spouses , The same is to pay the premium on schedule within a certain period of time , Then you can get the annuity after reaching the time limit specified in the contract .

The above is the answer to your question , Insurance is relatively professional , If you don't know which one is good , Also welcome to consult me , I will give you a reasonable suggestion .

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Take the answer 3：

One . What is annuity insurance ？

Annuity insurance as a means of wealth appreciation , Has been concerned by many people . Annuity insurance means that the applicant or the insured pays the insurance premium once or on schedule , The insurance company takes the survival of the insured as a condition , Periodic payment of insurance benefits , Until the death of the insured or the expiration of the insurance contract .

Popular said , We pay a certain fee to the insurance company , The insurance company began to return the money at the appointed time . The premium amount of general annuity insurance is large , for example ,2 ten thousand 、5 Wan Wan . An annuity can be used mainly for education 、 Marriage money and even pension , Effectively supplement the family's economic strength . for example , It can make up for the decline in the quality of life caused by the reduction of retirement wages .

Two . Is annuity insurance safe and reliable ？

As long as the insurance company you choose is regular , Then annuity insurance is very safe . because 《 Insurance law 》 Article 92 ： An insurance company engaged in life insurance business is revoked or declared bankrupt according to law , Life insurance contracts and liability reserves held by them , Must be transferred to other insurance companies engaged in life insurance business .

Unable to reach an assignment agreement with other insurance companies , The insurance regulatory authority under the State Council shall designate an insurance company engaged in life insurance business to accept the transfer .

As can be seen from the above laws , Even if the insurance company insuring the annuity purchased by the client goes out of business or goes bankrupt , Other insurance companies will still automatically share the annuity payment for customers .

In principle, , We are not recommended to buy insurance at will , Insurance has certain particularity , The insurance applicable to everyone in every family is different , It is recommended to choose to buy insurance after detailed consultation ！ If necessary, you can add my wechat , I will use the most professional knowledge to help you choose the right insurance , Don't step on a hole ！

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