This product is two-way insurance, but can the old-age security really kill two birds with one stone? Today, Senior Sister introduces the true features of two kinds of risks by taking Taibao Xin Bonus 3.0 Old-age Security (Bonus Type) as an example.
For endowment assurance, you can learn about it through this article first:
"The salesman won't tell you about these two insurances! 》
First, the product form analysis of Taibao Xin Bonus 3.0 old-age security (dividend type)
You can take a look at its protection map first:
Senior sister will introduce the insurance conditions and guarantee responsibilities in detail, and analyze the old-age security of Taibaoxin Bonus 3.0 (dividend type) for everyone.
1, insurance conditions
Taibaoxin Bonus 3.0 Pension Security (Bonus Type) supports people born between 30 days and 70 years old, and can provide the insured with a five-year guarantee period.
If you want to insure, you can only choose to pay the premium in one lump sum, that is, pay all the premiums in one lump sum.
2. Guarantee responsibility
In addition, during the insurance period, Taibao Xin Bonus 3.0 old-age security (dividend type) will provide the insured with death or total disability protection, and pay corresponding compensation according to the corresponding insurance situation.
If the insured survives until the expiration of the insurance period, he is allowed to receive the due insurance money.
Secondly, as a dividend insurance, Taibao Xin Bonus 3.0 Old-age Security (dividend type) can also provide consumers with dividend rights.
Regarding the product form analysis of Taibao Xin Bonus 3.0 old-age security (bonus type), Xue Xuejie will take you here first.
Want to know more about Taibao Xin Bonus 3.0 Old-age Security (Bonus Type), the portal is ready:
"Buy Taibao" Xin Hongli 3.0 old-age security (bonus type) "? Read my article! 》
2. What is the performance of Taibao Xin Bonus 3.0 old-age security (bonus type)?
Let's take a look at the senior's in-depth analysis and summary of Taibaoxin Dividend 3.0 Old-age Security (Dividend Type):
1, total disability protection is intimate
From the aspect of personal protection, it is found that the old-age security of Taibaoxin Bonus 3.0 (dividend type) also covers the total disability. When the insured reaches the state of total disability and reaches the compensation standard, the total disability insurance money can be paid to him to transfer the economic problems caused by the total disability.
Compared with most similar products that do not provide total disability protection, Taibao Xin Bonus 3.0 Old-age Security (dividend type) is more intimate in personal protection.
2. The probability of receiving the due insurance premium is high.
The guarantee period of Taibao Xin Bonus 3.0 Old-age Security (Bonus Type) is only 5 years, and the guarantee period of this product is not long among the two kinds of all risks.
However, its advantage is that the probability of the insured surviving to the expiration of the insurance period will be higher, and the probability of obtaining the due insurance money is greater than that of the same type of products with a longer guarantee period.
Dividends are uncertain.
It is no different from all dividend insurance. The dividend of Taibaoxin Dividend 3.0 Security (Dividend Type) is still uncertain.
As consumers, we can't know the profit of the insurance company's dividend business, so we can't guarantee whether we can get dividends after taking out the dividend 3.0 security (dividend-sharing type), and we can't know how much dividends.
You can learn more about dividend insurance through this article:
"Why is the complaint about dividend insurance so high? Unveil the mystery of dividend insurance. "
4, "life" and "death" are difficult to be satisfactory.
This kind of double insurance seems to provide "life" and "death", but in fact, you can't have your cake and eat it.
According to the terms of the contract, only one of the death insurance, total disability insurance and maturity insurance stipulated in Taibao Xin Bonus 3.0 Pension Security (dividend type) can be paid:
This also shows that even if the insured is still healthy after the total disability until the expiration of the insurance period, he is not eligible for the full-term survival fund.
However, this is also where the risks are the same. It seems that it can protect "life" and "death", but actually it only supports "life" or "death".
Third, the summary of the senior sister
Analysis here, we have a deeper understanding of the security of both sides of Taibao Xin Bonus 3.0 (dividend type).
Generally speaking, senior sister doesn't feel very good. As for whether this product is worth buying, it needs to be combined with the actual 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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