Let's analyze it in detail and have a look.
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First, the analysis of the product form of cutting-edge annuity pension insurance
Needless to say, the seniors will first show you the protection map of Xinruinian pension annuity insurance:
& gt& gt Analysis of Insurance Conditions
First of all, all men over 55 and under 75, and women over 50 and under 75, as long as they are in good health, have the opportunity to insure Xinrui's annual endowment insurance.
Secondly, when insuring Xinrui annual pension annuity insurance, consumers can choose to keep it until they are 69 or 85 years old. In addition, there are two payment forms to choose from: wholesale payment and three-year payment.
& gt& gt security content analysis
During the insurance period, Xinrui Annual Pension Insurance will provide the insured with pension and birthday bonus as agreed, and also provide death protection.
Furthermore, in terms of enjoyment of rights and interests, the new annuity pension insurance provides conversion annuity rights and interests.
In the process of insuring Xinrui annual pension annuity insurance, consumers can choose to add one of these three universal accounts, namely Xinzunbao whole life insurance (universal) A, Xinyuanbao whole life insurance (universal) Lexin Edition and Xinzunbao whole life insurance (universal) C.
The above is the product form analysis related to Xinruinian pension annuity insurance.
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Second, what are the noteworthy performances of the cutting-edge annual endowment insurance?
After detailed analysis, the senior sister found that the highlights and shortcomings of Xinrui's annual pension insurance are still easy to see.
& gt& gt Highlights of the new annuity pension insurance
1, and the upper limit of insurance age is high.
It can be found that the upper age limit of the cutting-edge annual endowment insurance has reached 75 years old, which is actually difficult to see in the annuity insurance market.
Most products of the same type on the market have a lower upper limit of insurance age, and the highest insurance age of some products is only 60/65 years old.
In contrast, the upper age limit of the cutting-edge annual pension annuity insurance is indeed more commendable.
2. Can be converted into other annuities.
When the beneficiary applies for the death insurance benefits paid by the cutting-edge annual endowment insurance, he can choose to receive them in one lump sum or convert part of the death insurance benefits into annuities as needed.
Converting annuity rights allows the insured to dispose of the account value or survival insurance money according to their own actual situation, revitalize idle assets, and add stable and sufficient financial guarantee for the elderly.
Not all pension insurance products include annuity conversion rights. Compared with similar products without this right, Xinrui's annual pension insurance is more in line with the actual situation.
& gt& gt Shortcomings of New Annuity Pension Insurance
1, futures premium options are not wide.
It can be observed that even if Xinrui Annuity Pension Insurance can have both wholesale and regular premiums, the regular premiums of this product can only be checked for three years, and the choice is not wide.
Many products of the same type in the market stipulate many premium options by stages, such as 3/5/ 10/ 15 payment method.
In contrast, Xinruinian pension annuity insurance is slightly inferior in the option setting of premium payment.
The choice of payment period when buying insurance has always been a headache? Then this dry goods must be carefully reviewed:
"How to choose the payment period so as not to lose money? 》
2. Lack of actual enjoyment of rights.
As you can see from the above picture, Xinrui's annual pension insurance only covers one annuity conversion right, and no other options are added.
However, many pension annuity insurances in the market have increased many rights and interests, such as policy loans, automatic payment, and reduction settlement. , wide selection range and high practicability.
Compared with this kind of products, the setting of cutting-edge annual pension insurance is not satisfactory.
Generally speaking, the performance of Xinrui Annuity Pension Insurance is not very good. If you want to buy annuity insurance, I suggest you observe other products and choose the best one.
Write it at the end
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