"A text from the bottom! Pay attention to these points before insuring Huaxia Wealth Pension Security (stable win version)! 》
1. What is the guarantee for the old-age security of Huaxia Fortune (stable win version)?
Then don't bother. First of all, let's analyze the product diagram of Huaxia Fortune Bao (stable win version) old-age security:
1, analysis of insurance conditions
As can be seen from the above product diagram, Huaxia Fortune Bao (stable win version) old-age security allows people born from 28 days to 65 years old (inclusive) to take out insurance.
At present, the upper limit of the insurance age for most products of the same type on the market is generally set at around 65 years old. It can be said that this product is still relatively standard.
In addition, we can know that there is only one choice for the warranty period of this product, that is, the warranty period of 6 years.
However, for small partners who pursue long-term protection, this product is obviously not suitable.
Now in the payment period, this product includes two options, wholesale payment and 3-year payment.
2. Security content analysis
We can know that the coverage of the old-age security of Huaxia Fortune Bao (stable win version) mainly includes expiration insurance and death insurance.
If the insured dies due to accidental injury or accidental injury after the waiting period, the insurance company will pay the premium paid at that time multiplied by the payment ratio or the cash value corresponding to the age of arrival, but whichever is the greater.
In addition, it can be concluded that the proportion of the insured will be different at the time of death.
For example, during the period from 18 to 40, the payment ratio will be relatively high, and there will be a payment ratio of 160%.
However, it should be noted that this product does not guarantee total disability, and consumers may think that its protection function is not so comprehensive.
After reading the above analysis, I believe everyone probably understands the content and function of Huaxia Fortune (winning version) old-age security.
Before friends are about to start insurance, why not ask your sister to teach you what information you need to pay attention to?
2. Want to insure Huaxia Wealth in the old-age security (stable win version)? Don't miss these points!
1, exemption clause
Friends may have noticed that Huaxia Fortune Bao (winning version) old-age security I * * * covers seven exemption clauses.
As we all know, the exemption clause is actually a situation in which the insurance company does not assume the responsibility of claim settlement after the insured has an insurance accident.
Want to know what the exemption clause is? The following article tells you:
What is the exemption clause of insurance? what do you think? If you don't understand, you will suffer a big loss! 》
Generally speaking, the fewer exemption clauses, the better.
The number of exemption clauses for most products of the same type in the market is generally set at 5-7, and excellent products are generally set at 3 exemption clauses.
Comparatively speaking, this product is not good enough and is not very friendly to consumers.
2. Provide policy pledge loans.
In addition, we know that Huaxia Caifubao (stable win version) old-age security also includes the policy rights of policy pledge loans.
If the partner encounters financial difficulties and is short of funds during the insurance validity period, and if the contract has cash value, he can apply to the insurance company for a policy pledge loan.
This policy interest is still relatively practical and can solve the urgent needs for small partners.
On the whole, the overall performance of Huaxia Fortune Bao (stable win version) old-age security is not very commendable, the insurance conditions are not well considered, the security content is less, and it is not humanized for consumers.
If you want to start, first look at other products on the market and reconfigure them!
If you are not familiar with the old-age security, you'd better read the following article:
"About the two insurance, the salesman won't tell you! 》
Write it at the end
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