几点意见

来源: 柠檬椰子汁于 2023-04-01 09:20:33 [档案] [博客] [旧帖] [给我悄悄话] 本文已被阅读：次 (1852 bytes)

回答: 各位大伽, 有人来推销年金。我们既没有出租房也没有几粒米，买还是不买？里面有表格看起来很不错由 CA2020 于 2023-04-01 08:41:48

第一，index annuity's 推销靠的是hypothetical value。那是靠以前十年的股市预测以后十年，谁知道他们的hypothetical 到底是不是过于乐观。

第二，注意看death benefit，如果保户死了，遗孀/后代到底能拿回来多少。

see：

https://www.allianzlife.com/What-We-Offer/Annuities/Fixed-Index-Annuities/Benefit-Control/How-the-product-works#See%20how%20Allianz%20Benefit%20Control%20works

Death benefit：

Prior to annuitization, Allianz Benefit Control® Annuity gives you two death benefit options. Your beneficiary(ies) can receive the greater of the accumulation value, guaranteed minimum value, or cumulative withdrawal amount as a lump sum (this option doesn't include any premium or interest bonuses). Or, they can receive the Protected Income Value – including the premium and interest bonuses – in payments over a minimum of five years, limited to 250% of the accumulation value (PIV death benefit limit can vary by state).

那么这个death benefit的数据在你经纪给你的数据里面是有的，但是那些数据是hypothetical，即使你把所有数据存到spreadsheet里面，把death benefit 和每年累计的withdrawal都算好，那个最后的数据也不一定是你将来拿的数字。

所以这个保单是否值得保，根本说不清楚。