Sino-Italian Life Insurance recently released a dividend-paying product of Fu You's old-age insurance. Many friends are very interested in the dividend-paying protection of Fu You pension insurance between China and Italy. Senior, analyze it quickly ~
Cut the crap and get to the point. The form of dividend-paying products of Sino-Italian Fu You endowment assurance is shown in the following figure:
Before the analysis, the senior sister gave you a warning, that is, you must pay attention to the pit in the old-age security: "You must know two risks! 》
It is not difficult to see that Fu You's old-age security dividend has the following highlights:
1, Fu You's old-age security has double guarantees.
The death protection of Fu You's old-age insurance means that if the insured dies unfortunately, he will pay the larger value of the paid premium and the cash value, and at the same time, he has agreed to pay a basic insurance amount when the insurance expires.
2. Fu You endowment insurance has policy dividends.
Dividend-paying policy dividends of Fu You's endowment insurance can be applied at the right time. Of course, senior sister suggests that you put it in an insurance company to accumulate interest.
Let's take a look at the shortcomings of Fu You's old-age security dividend:
1, Fu You's endowment insurance has a small insurable age range.
In Fu You, the age limit for dividend coverage is 65, but now there are many similar products that can cover people aged 0-70. In this regard, Fu You pension insurance company's dividend underwriting is somewhat backward.
2. The dividend guarantee period of Fu You endowment insurance is single.
The dividend pattern of Fu You's endowment insurance has only a fixed term, so consumers can't choose. The guarantee period is five years and cannot be changed.
In addition, there is an "invisible pit" in the dividend mode of Fu You pension insurance company. Senior sister took it out alone and said, "What about the" dividend model of Fu You's old-age insurance "? Look at the comprehensive evaluation! 》
In a word, the dividend insurance of Fu You endowment insurance has obvious advantages, but the insurance conditions are somewhat harsh, resulting in many people failing to pass the examination conditions, and the dividend insurance is not as good as everyone thinks. Remember to read this popular science of dividend insurance, and then think about it carefully: what is the reason for the bad review of dividend insurance? I will understand after reading these. "
Write it at the end
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