Before the evaluation, if you don't know much about universal insurance, you can read the following article:
"Using universal insurance to manage money, the income is stable and safe? Universal insurance from the beginning! 》
1. What is the security content of Kangjun Huixin No.5 old-age security (universal)?
As usual, let's take a look at the product protection map first:
As can be seen from the figure, the protection content of Huixin No.5 old-age security (universal) is not particularly sufficient, but this product actually has some characteristics. Next, Senior Sister will tell you in detail:
1, analysis of insurance conditions
The insurance age range supported by Huixin No.5 old-age security (universal) is from 28 days after birth to 65 years old (inclusive), which can meet the insurance needs of many people.
However, the shelf life of this product is only 5 years. If you want to get a long-term guarantee, this product is not suitable for configuration. In addition, as a universal insurance, Huixin No.5 old-age security has only two payment methods: wholesale payment or additional premium, which is worth mentioning.
2. Security content analysis
The guarantee content of Huixin No.5 old-age security (universal) specially stipulates the death insurance premium and maturity insurance premium, which truly guarantees the birth, old age, illness and death. In case the insured dies, the insurance company will refer to the time of the insured's death and whether it has applied for additional premium, and provide death insurance benefits for the policy beneficiaries in combination with different schemes. At the same time, if the insured survives until the expiration of the insurance period, the insurance company will provide 10 1% of the value of the policy account at the expiration as the due insurance premium.
Compared with most similar products on the market, the content of Huixin No.5 old-age security (universal) can only be said to be up to standard, and there are not many features at present. And some endowment assurance in the market will not only provide these guarantees for the insured, but also include annuity protection. If the insured survives to receive the annuity, he can get the annuity paid by the insurance company every year. Regrettably, Huixin No.5 old-age security (universal) did not give the insured such protection.
Now, about the basic situation of Huixin No.5 old-age security (universal), senior sister will tell you here first. If you want to know more about this product, you can click the following link:
Kangjun Huixin No.5 old-age security (universal): Although the interest rate is high, we should pay attention to the details.
2. Is the old-age security (universal) No.5 Kangjun Huixin worth insuring?
Huixin No.5 old-age security (universal) is actually a universal insurance, which allows the insured to have a universal account. In this case, the insured can put the insurance money or his own money in this account for compound interest and appreciation.
But we should remind everyone that the interest rate set in this account is uncertain and will change constantly because of the external investment environment. Once the external investment environment is not very good, in this case, the universal account is likely to only run at the guaranteed interest rate. Huixin No.5 Pension Security (Universal) offered a guarantee interest rate of 3%, which is still very sincere.
In addition to Huixin No.5 old-age security (universal), there are many good universal insurance in the market. If you are interested, you can read the following article:
"Ten universal insurance stocks worth buying! 》
Generally speaking, Huixin No.5 old-age security (universal) belongs to an insurance that can protect the sick and the sick, but the coverage of this product is not very good. Please shop around as much as possible before choosing this product!
Write it at the end
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