Can annuity insurance financial products be compounded? What is the interest rate?

Can annuity insurance financial products be compounded ？ What is the interest rate ？

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Take the answer 1：

Hello! ,

The compound interest of annuity insurance is mainly reflected in the non fixed income annuity insurance through the combination of fixed income annuity insurance and floating income （ universal 、 Share out bonus ） The combination of , Usually this type of annuity insurance 5 After year , Return the money into the universal account , Through daily interest calculation , Calculated by means of monthly compound interest , In addition, the universal account has a guaranteed interest rate .

The characteristics of compound interest of insurance ： One is insurance “ The principal ” It is calculated as the principal after deducting part of the handling fee ; Second, because insurance includes income dividends , So the so-called “ The interest rate ” It's not fixed , Probably higher than... In some years “ Minimum interest rate ” Of , And the annual dividend rate is also different .

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 ！

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Take the answer 2：

Compound interest of annuity insurance actually refers to that the income can generate interest in the next interest cycle , Generally speaking, it is “ at compound interest ”, Compound interest has a snowball effect , Let wealth produce fission growth with the continuous growth of time .
The compound interest of insurance is different from that of bank in calculation ：
1、 Different cardinality , The insurance “ The principal ” It is calculated as the principal after deducting part of the handling fee ;
2、“ The interest rate ” Different , Because insurance includes income dividends , So the so-called “ The interest rate ” It's not fixed .

Insurance is not the more expensive the better , What suits your situation is the most important , Can add my wechat . Talk to me in detail before you make a decision ！

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