The following sister will give you an in-depth evaluation! This article can help you get familiar with the preferred guardian of National Treasure Life Insurance-the old-age security in advance. Friends who don't know, come and see:
"Want to buy a national treasure, life insurance, love and security, and choose two all risks?" Be sure to read these points carefully before buying! 》
First, the national treasure life insurance preferred pension insurance to protect the public!
First, let's take a look at the guarantee content of this product:
1. Short waiting time
In other words, the waiting period is a specific period of time from the effective date of the contract. Within a period of time after the guarantee comes into effect, the insurance company will not pay for the insurance accident caused by non-accidental factors.
Common products of the same type in the market generally have a waiting period of 90 days and 180 days, while the waiting period in the old-age security is only 90 days, which is quite excellent.
The shorter the waiting period, the sooner we can enjoy the protection, and the situation that we can't claim compensation because we are in danger during the waiting period will also be reduced.
What if something goes wrong during the waiting period? There is another situation that can be claimed. Read this article in detail:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
2. Flexible payment period
There are a variety of payment period schemes for old-age security, including 10 year, 15 year, 20 year, 25 year and 30 year for the insured to choose from. It is still a flexible payment period, and there is also a long-term payment period plan for the insured to choose, which is very considerate for some people with great economic pressure.
The longer the payment period, the lower the premium payable in each period, so the payment pressure is relatively small.
If the income is low, or the repayment pressure is high, it is recommended to choose a long payment period. Different economic conditions choose different payment periods. If you are not sure what you should choose, you can read this article:
"How to choose the payment period so as not to lose money? 》
3. Other rights and interests
Old-age security, the best choice for caring, includes not only death/disability security and expiration security, but also automatic mortgage and policy loan rights.
Automatic advance payment means that when the insured fails to pay the premium after the grace period, during this period, the insurance company will convert the cash value of the policy and pay the premium payable in the current period. Often when you are insured, you can choose whether to pay automatically according to your own economic situation. If you choose, you can use this right to maintain the validity of the policy when you can't pay the premium in time due to economic problems in the future.
Policy loan means that the insured can apply for a loan from the insurance company by virtue of the policy. In the case of capital turnover, a sum of money is urgently needed to deal with the problem, and you can consider making a loan request to the insurance company. As long as the cash value of the policy does not disappear, you are eligible to apply for this loan, thus helping everyone solve the financial problem.
Second, Guobao Life Insurance should pay attention to the old-age security before insurance!
1. The insurance age is limited.
Old-age security support 18-45 people to buy, can be said to be a very small age range. In other words, as long as1people under 8 years old and people over 45 years old can't insure this product.
However, for other similar products on the market, some have a minimum insurance age of 28 days, which gives people over 60 the opportunity to insure, covering a very wide age range, and most people can insure this product.
Old-age security is very common in the age of insurance.
After all, the wider the insurance age range, the more people can be distributed, so as to meet the needs of most people.
There are many exemption clauses.
In layman's terms, the exemption clause refers to the scope that the insurance company does not bear the insurance liability.
However, if the insurance is out of danger due to the exemption clause during the waiting period, the insurance company will not bear any insurance liability, that is, it will not claim compensation.
Now similar products on the market generally have 5-7 exemption clauses, while excellent products only have 3 exemption clauses! The care and preferential exemption clauses of the old-age insurance have actually reached seven, which is relatively not so good.
After all, the more exemption clauses are set, the wider the coverage of insurance companies will be.
It can be seen that the insurance with fewer exemption clauses means that the wider the insurance coverage, the more benefits it will bring to consumers.
Summary: Generally speaking, the old-age security has no bright spots or shortcomings. There are highlights and details that need your attention. The cost performance and guarantee are quite satisfactory. For those who want to be insured, senior sister suggests careful consideration before buying!
If everyone pursues more comprehensive and practical insurance, senior sister still suggests that you can compare other products.
Write it at the end
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