First of all, we need to know what are two kinds of risks.
Endowment assurance, mainly at the time of insurance, meets the conditions, claims, and survives until the expiration, and the insurance company returns a sum of money. "Two insurances" have high premium, average guarantee and poor liquidity. If you want to get funds during the guarantee period, you generally need to surrender, and there may be some losses. If a small number of products provide policy loan rights, you can use the rights to get a sum of money, but you must repay the principal and interest on time when it expires. Old-age security is more suitable for people who want to save money and return it at maturity. If you want to know more about double insurance, read this article: The salesman will definitely not tell you about double insurance!
Next, let's take a look at the protection content of Ruyi Red C-type endowment assurance (dividend-sharing type):
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Ruyi Red Type C endowment assurance (Dividend Type) This product has a wide age range and can meet the insurance needs of most people. The guarantee period is five years, and the payment period is only one payment. In addition to death protection, it also provides death insurance for public transport accidents, which can give the insured a chance to get more compensation. If you don't make it to maturity, you can get a refund. This product also offers dividends, but dividends are uncertain. Insurance companies do not guarantee annual dividends, and dividend income is unstable. It is not appropriate to pay dividends only without paying attention to the content of protection. Regarding dividend insurance, you can read this article to find out: the salesman won't tell you about dividend insurance.
If you want a stable income, or want insurance that can get money regularly, you can consider annuity insurance.
Annuity insurance is mainly to protect future life. After paying the insurance company, the insurance company will pay the insurance money on the condition that the insured survives after the agreed time. The common methods are annual payment and monthly payment, which can be collected until the expiration or the death of the insured. At present, common annuity insurance includes pension and education fund. If you need to configure annuity insurance, you can look at the high-quality annuity insurance compiled by your senior sister: Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again!
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