Today, Senior Sister will take a look at Caring for Star Annuity Insurance with everyone to see if it is really so excellent. Click the link below to learn the true face of Caring for Star Annuity:
What is the insurance coverage of PICC Life Care Star Annuity? You will know after reading the evaluation! 》
First, PICC Life Care Star Annuity Insurance is fully open!
Before starting the evaluation, let's take a look at the guarantee essence of this product:
As can be seen from the figure, the guarantee content of this product is relatively simple. On the basis of annuity, it also covers expiration insurance and death insurance.
In addition, there are now policy loans and the right to pay premiums automatically. Next, the senior sister will tell you whether the guarantee of this product is excellent. You can take this opportunity to get to know these angles!
1, guarantee period and payment period
From the protection map, I believe you can know that the protection period of Caring Star Annuity Insurance is quite flexible and diverse, and it is in favor of 8 years, 13 years, 20 years or 25 years. The only thing worth noting is that its guarantee period is different, and the payment period is also different.
If you choose to guarantee 8 years, the optional payment period in this case is wholesale payment, 3 years payment or 5 years payment. However, if you choose to guarantee 13 years, you can only choose 10 years. If you choose to guarantee for 20 years, you can only choose 15 years. If the guarantee period is 25 years, you can only choose 20 years. It can be seen that when choosing 13, 20 and 25 years, the payment period is very single and not flexible enough.
2. Time of annuity collection
According to the contents of the protection map, it is not difficult to find that Caring Star Annuity Insurance can get the corresponding annuity from the effective date of the fifth policy year (inclusive). Compared with similar products that can only receive annuities on the corresponding date when the seventh policy year takes effect, this product can receive annuities earlier.
Friends who have learned about annuity insurance should know that the sooner they receive the annuity, the sooner the insured can enjoy the annuity rights.
For those who don't know much about annuity insurance, it is recommended to read this article before insuring:
"Annuity insurance? Is there anything to pay attention to? Do you have any good products? 》
Second, pay special attention to these points before configuring PICC Life Care Star Annuity Insurance!
1, no residue.
Senior sister carefully read the coverage of Caring Star Annuity Insurance and found that this product does not provide total disability protection. Many friends will think that death will have a greater impact on the whole family than total disability.
But in fact, total disability has a great influence on the insured and the whole family. For example, Xiao Wang unfortunately had a car accident, but he survived, but he was completely disabled because of the car accident.
In addition, according to the security content, Xiao can't get the insurance money, because he hasn't died yet, so Xiao Wang needs to bear the treatment and nursing expenses after he is completely disabled.
If Xiao Wang is the breadwinner of the family, a large family with minor disability will lose its financial resources, and the cost of treating the total disability may gradually deplete the family savings. Generally speaking, the guarantee content of this product is not perfect enough.
2. There are many exemption clauses.
Exemption clauses, as the name implies, are the contents or situations that insurance companies do not need to bear insurance responsibilities, such as drug abuse, drunk driving, suicide, nuclear radiation, riots, etc., which usually fall within the scope of exemption clauses.
Caring Star Annuity Insurance has seven exemption clauses. Compared with those annuity insurance products with three or five exemption clauses, this product has more exemption clauses, which means that the coverage of the insured may be narrower.
To sum up, the nursing guarantee of star annuity insurance is not comprehensive enough at present, and the cost performance is not high. Friends may wish to learn about other well-protected annuity insurance products on the market first, and then choose the one that suits them after shopping around!
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister arranged a lot of value-for-money and solid annuity insurance. You can choose the best one here:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
I am an insurance top student, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to top student, the official account of WeChat, and ask me about insurance.
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!