Tianan Property Insurance's winning number 1 is unreliable. Don't worry, it will deceive people. Because all insurance companies are managed by the China Banking Regulatory Commission, they are absolutely formal and will not deceive people. They will definitely settle claims smoothly according to the contract. Moreover, the establishment of an insurance company requires at least 200 million yuan (laws and regulations are clearly written), and reliable and credible insurance companies are tested with countless real money and silver. Let's take a look at the specific product content:
Tianan Property Insurance Baoying 1 can be said to be a series of investment-oriented wealth management products in a certain sense. Investment driver accident insurance, family property insurance and traffic accident insurance are its three basic insurance contents.
This product focuses on its dual functions of accident protection and investment and financial management. You can get accidental compensation, and you can return the insured amount if there is no unexpected expiration. Sounds good, but there are many doubts. How to buy accident insurance? Look at my article 3>& gt& gt. What are the good accident insurance recommendations? Top 20 quality accident insurance in 2020!
So what does this product look like?
From the specific terms, we can see the benefits of the product:
(1) has two functions: the product can be used as both basic guarantee and investment. Divided into investment+traffic accident insurance, investment+property insurance, investment+driver accident insurance.
(2) The guarantee amount is high: the maximum guarantee is 600,000. And protect the capital and interest, the interest rate increases with the increase, the interest rate decreases without worry, and the income is stable.
(3) Mortgage when necessary: When the number of insured shares exceeds 12, it has the right to add mortgage loans.
However, the implementation of the provisions is not complete. Let's talk about his shortcomings first:
(1) Poor flexibility: it is a hard rule that money cannot be withdrawn, so this product is not so flexible.
(2) Weak focus: The contradiction of this product lies in the conflict between anti-risk and investment and financial management.
(3) Lack of protection: accidental death, accidental disability and accidental medical treatment are the key contents of a good accident insurance. Moreover, this product is only an accidental disability, and it emphasizes financial management.
From the above aspects, this product has not yet reached the standard of excellent insurance. For many consumers who want to manage their finances, annuity insurance is a good choice. I recommend you to read this article: >>& gt
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