Many friends have the idea of insuring this product, but they don't know if it is suitable for them. Today, Senior Sister will tell you about the guarantee content of this annuity insurance product, and see if it is worthy of our configuration!
Friends who don't know much about annuity insurance may wish to take a look at this popular science article first:
"Annuity insurance? Is there anything to pay attention to? Do you have any good products? 》
1. How about Ying Da Wanxin Wealth Annuity Insurance (dividend-sharing type)?
According to the old rules, senior sister has compiled the protection map of this product for everyone. You can have a look first:
1, insurance rules
As can be seen from the above figure, Ying Da Million Xin Wealth Annuity Insurance (dividend type) stipulates that it covers 100 year old, allowing people born from 28 days to 70 years old to take out insurance, and this insurance age range is still relatively wide.
In terms of payment period, this product has four choices-wholesale payment, 3-year payment, 5-year payment and 10-year payment, which is very flexible. You can choose the appropriate payment period according to your actual situation.
If you don't know how to choose the appropriate payment period, you can also read this article:
"How to choose the payment period so as not to lose money? 》
Furthermore, Ying Da Wanxin Wealth Annuity Insurance (dividend type) is actually a dividend insurance, and it is eligible for dividend, but it should be noted that dividend is uncertain.
2. Guarantee content
The insurance liability of Ying Da Wanxin Wealth Annuity Insurance (dividend type) is very humanized, covering survival insurance, birthday insurance and death insurance.
Among them, the survival insurance premium is set as: if the insured is still alive at 0: 00 on the fifth policy anniversary after the contract comes into effect and meets the conditions, the insured can get 100% of the basic insurance premium.
From the sixth policy anniversary (inclusive) to the expiration of the first policy anniversary (inclusive) when the insured reaches the age of 100, if the insured is still alive and eligible at 0: 00 on each policy anniversary, the insured can get 20% of the basic insurance amount as survival insurance.
The birthday insurance age of this product can be freely selected according to the actual situation, and can be set at 60, 70 or 80.
If the insured is still alive and eligible on the birthday insurance payment date agreed in the contract, the insurance company will pay the accumulated premium (excluding interest) according to the contract.
In addition to life insurance and birthday insurance, this product also includes death protection. If the insured dies within the validity of the contract, there are two compensation schemes.
Once the insured dies before the date of receiving the birthday insurance money (excluding), if it meets the requirements, the death insurance money shall be paid according to the greater of the contract premium paid at the time of the insured's death and the contract cash value at the date of the insured's death.
Once the insured dies during this period, the insurance company will pay the contract cash value on the date of the insured's death if it meets the conditions.
The above is the basic content of Ying Da Wanxin Wealth Annuity Insurance (dividend type). To learn more about the evaluation angle, please click the following link:
"Sanjin guarantee! I want to buy Ying Da Wanxin Wealth Annuity Insurance (dividend type) first ... "
2. Is Ying Da Wanxin Wealth Annuity Insurance (dividend type) worth starting with?
From the above, we can know that the performance of Ying Da Wanxin Wealth Annuity Insurance (dividend type) is still very good. Not only is the insurance age range wide, but even the payment period is flexible and optional, and the coverage content is particularly rich. Not only provides death protection, but also can return the annuity in a specific year.
In addition, the product also has the policy interest of policy loan and insurance deduction, which can improve the flexibility of policy funds. So senior sister thinks it's worth buying. You can choose whether to insure the product according to your personal needs and economic situation.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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