So what is its guarantee content? Senior sister will take you to find out.
If you don't know much about ABC Life, you can read this article first:
Is ABC Life Reliable? Is the product guarantee of ABC Life Insurance good? 》
1. Is the security content of Agricultural Bank of China Life Jinsui Old-age Security (Fanghua Edition) well-intentioned?
As usual, make clear the content of the picture first, and then look at the text.
Let's first study the product form diagram of Agricultural Bank of China Life Jinsui Goodwill Insurance (Fanghua Edition):
Because the old-age security has the functions of "bringing life back to life" and "paying danger", we focus on the performance of this old-age security (Fanghua Edition) of Agricultural Bank of China Life Insurance from these two aspects.
1. Survival return-survival insurance
If the insured does not have an insurance accident during the whole insurance period after taking out this kind of old-age security (Fanghua Edition), he is eligible to receive the survival insurance money paid by the insurance company at the expiration of the insurance period.
The calculation method of survival insurance premium is the annual premium of each period * the number of payment periods * the payment ratio corresponding to the basic insurance amount of the contract.
There is one thing to note. The "contribution ratio" in survival insurance comes from the insurance period you choose when you apply for insurance. If the insurance period is 20 years, the payment ratio is 100%. If the insurance period is 30 years, the payment ratio is 120%. Various conditions can be selected.
With this survival insurance money, they can decide their own use. Everyone can use this money to plan their future, and they can also use it for other financial planning.
2. Risk compensation-death insurance.
If the insured unfortunately has an insurance accident agreed in the contract during the insurance period, the insurance company will pay the corresponding insurance money.
Death liability is the main guarantee liability provided by Agricultural Bank of China Life Jinsui Goodwill Insurance (Fanghua Edition). At the same time, it provides three compensation methods: non-accidental death compensation, general accidental death compensation and accidental death compensation for designated transport passengers.
For non-accidental death, the death insurance premium paid by the insurance company is "annual premium per period * number of payment periods *160%/140%/120%"; For general accidental death, the death insurance premium provided by the insurance company to the insured is the basic insurance amount of the contract; If a passenger dies in an accident on a designated vehicle, the death insurance premium paid by the insurance company is twice the basic insurance amount of the contract.
Regarding the actual risk standard of each phenomenon, senior students also mark it in the form in turn. Please have a look.
Due to the limited space of the article, please go to the following for more details about the old-age security of Agricultural Bank of China Life Jinsui (Fanghua Edition):
Please listen to me before you apply for the old-age security (Fanghua Edition) of Agricultural Bank of China Life Insurance.
2. How about the Agricultural Bank of China Life Jinsui and the old security (Fanghua Edition)?
Generally speaking, this kind of old-age security of Agricultural Bank of China Life Jinsui Goodwill Insurance (Fanghua Edition) still has some bright spots in the security content. It considers a variety of death situations and can make specific compensation according to specific circumstances.
However, the protection content does not involve total disability compensation, and friends who want to insure this product should pay attention to this.
In fact, there are still many excellent old-age security in the market. You might as well refer to this list compiled by senior sister:
"Old-age security dividend ranking" is freshly released! Is there anything you like? 》
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