Tianan Property Insurance's winning number 1 is unreliable. Don't worry, it will deceive people. The whole process supervision and management of CBRC is the reason why insurance companies are absolutely formal, reasonable, reliable and will not cheat, and 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:
Tian 'an Property Insurance Baoying 1 is an investment-oriented wealth management product, and investment-oriented driver accident insurance, family property insurance and traffic accident insurance are its three basic insurance contents.
Specifically, this product has two functions: accident protection and investment and financial management. The highlight of this product is that it can not only pay for the accident, but also return it when it expires unintentionally. It looks good, but there are many doubts. Should I buy accident insurance? How to buy? & gt& gt& gt What are the good accident insurance recommendations? Top 20 quality accident insurance in 2020!
Then we can look at the specific content of this product (as shown on the right):
This product has the following advantages:
(1) has two functions: the product can be used as both basic guarantee and investment. This kind of insurance can be divided into investment+traffic accident insurance, investment+property insurance and investment+driver accident insurance.
(2) The guarantee amount is relatively high: the income is relatively stable, up to 600,000, which is relatively stable with the fluctuation of the central bank's interest.
(3) Mortgagable if necessary: Only the number of insured shares reaches 65,438+02, which is the income of mortgage loan in case of emergency.
However, on the other hand, we can see what shortcomings it contains:
(1) Poor flexibility: it is a hard rule that money cannot be withdrawn, so this product is not so flexible.
(2) the emphasis is weak: the word "insurance" comes first, which is used to resist risks, not to manage money, and not to make money with insurance.
(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.
Generally speaking, the focus of this product is somewhat scattered, the accident protection is not comprehensive, and the yield is not very ideal. If you really want to manage your finances through insurance, I suggest you consider the annuity insurance that many people are buying. For more details about annuity insurance, please read this article: >>& gt.
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