If you don't know much about dividend insurance, you can also read the explanation of this article first: What the salesman won't tell you about dividend insurance.
In order to facilitate everyone's understanding, the following seniors will introduce this product, and let's take a look at its protection map first:
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1, analysis of insurance conditions
As can be seen from the above figure, everyone's Hongtai old-age security (dividend-paying type) has a wide age range and supports people born between 28 and 70 years old.
Secondly, the guarantee period of this product is 5 years, which is more suitable for people who want short-term protection.
In terms of payment period, Hongtai old-age security (dividend type) only supports one payment method. The advantage of wholesale payment is that after the premium is paid once, it can avoid the situation that there is no money to continue to pay the premium in the later period, which leads to the failure of payment.
The related contents of wholesale delivery have been sorted here. Interested friends can have a look: What does wholesale delivery mean? What are the benefits?
2. Security content analysis
In the content of protection, although everyone's Hongtai old-age security (dividend-sharing type) provides death protection, it does not guarantee total disability. In other words, if the insured is totally disabled during the guarantee period, it is not within the scope of product protection.
In addition, although consumers can enjoy the dividend right after insuring the product, the dividend is uncertain, and it is not possible to get the dividend 100% every year, which needs to be decided according to the dividend business operation of the insurance company.
If the dividend business of Everyone Insurance operates well, then consumers will certainly get dividends, otherwise they may not get dividends.
The above is the introduction of Hongtai old-age security (dividend-sharing type). Generally speaking, the performance of this product is relatively average. I suggest you compare it with other products.
If you want to know other knowledge about insurance, then don't miss this insurance handbook: Super Complete! Everything you want to know about insurance is here.
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