Just as the senior is free, I will take this opportunity to evaluate this product.
Anxious friends can also collect this excellent evaluation article in advance:
Is Yingda Fuxin Pharmacist Annuity Insurance Worth Starting? An article reveals the secret! 》
1. What are the advantages and disadvantages of Ying Da Life Fuxin Shi Yao Annuity Insurance?
In order to help you understand Yingda Fuxin Pharmacist Annuity Insurance, Senior Sister sends it to you first to see the product form diagram:
Not much to say, senior, let's analyze the advantages and disadvantages of this product!
1, advantages:
(1) actual policy preferences
It is not difficult to see from the above figure that the insured enjoys the right of policy loan and reducing the basic insurance amount under the condition that the British University Fuxin Pharmacist Annuity is insured.
Presumably, some friends are not clear about the role of these rights and interests, so let's give a general introduction.
Policy loan means that the insured can apply for a loan after being approved by the insurance company, which can be said to be derived from the cash value of the policy; The maximum amount of each loan must be less than 80% of the cash value balance, and the longest loan period cannot exceed 6 months.
Let's look at reducing the basic insurance amount. Frankly speaking, it is what we usually call insurance deduction. After using this right, we will have the opportunity to withdraw the cash value corresponding to the reduction of the basic insurance amount.
It should be noted that if the basic insurance coverage decreases, the protection will also decrease.
If faced with the dilemma that funds cannot be flexibly turned around, these two rights and interests will help solve the urgent needs and tide over the economic difficulties.
2. Disadvantages:
(1) Missing long-term payment period
In terms of payment years, Yingda Fuxin pharmacist annuity insurance only provides four payment years, namely wholesale payment, 3-year payment, 5-year payment and 10-year payment.
It is easy to see that this annuity insurance does not set a longer payment period, such as 20 years of payment and 30 years of payment.
Everyone should understand that under the condition that other insurance conditions are basically the same, the longer the payment period, the cheaper the annual premium.
For those consumers with limited budgets, if the payment period can be extended, the heavier economic burden brought by insurance premiums can be minimized.
However, Yingda Fuxin Pharmacist Annuity Insurance has not changed this point, which is not cost-effective for this group of people.
(2) The annuity is not guaranteed to be collected.
Even though Yingda Fuxin Pharmacist Annuity Insurance provides special survival insurance besides the common survival insurance benefits in other annuity insurance products, neither of these annuities is guaranteed to be collected.
It can be said that if the insured only received an annuity for a few years, he died unfortunately, thus accumulating the money he had received and losing a large annuity.
However, if it is a guaranteed annuity insurance product, the insurance company will pay the beneficiary all the annuities from the time of collection to the expiration of the guaranteed collection.
Senior sister just knows an annuity insurance that meets this requirement-Yangduoduo No.3 pension insurance, which can guarantee 20 years!
For example, Lao Wang began to receive an annuity at the age of 60 and died at the age of 70, so the insurance company will pay the beneficiary an annuity that he has not had time to receive between the ages of 70 and 80.
Space is limited, and friends who want to know more about Yangduoduo No.3 pension annuity insurance may wish to take a look at the following evaluation:
"Everyone has a lot of No.3 pension annuity insurance, and it is a heavy attack. An analysis! 》
2. Is Ying Da Life Fuxin Shi Yao Annuity Insurance Worth Buying?
To sum up, Yingda Fuxin Pharmacist Annuity Insurance is a good product. If you are interested in it, you can still put it in your pocket. However, it should be noted that the payment period is not long and the annuity cannot be guaranteed, so the competitive advantage in the market is not great.
If you are not interested in this product, it doesn't matter. Xue Jie specially took stock of ten excellent annuity insurance, which is convenient for everyone to shop around:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
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