Don't worry. Today, Senior Sister mobilized two players to "fight" to see who is more worthy of starting.
If you don't know what annuity insurance is, you can read this popular science article prepared by your senior sister first:
Learn this trick and stay away from the 99% pit of annuity insurance.
& gt& gt product comparison
First of all, let's take a look at the product comparison chart of China Life Xinyao Supreme Annuity Insurance and Evergrande Splendid Future Annuity Insurance:
We can get some basic contents of these two products through the product comparison diagram. Then in the next time, seniors will make a comprehensive analysis and comparison for everyone mainly according to insurance rules, security content and suitability for people.
I. Insurance rules
According to the age of insurance, China Life Xinyao Supreme Annuity Insurance provides insurance opportunities for people born over 28 days to under 65 years old. The reason is that Evergrande Splendid Future Annuity Insurance is an education annuity insurance, and the insured population is relatively young, so the age allowed to be insured is people of this age from 30 days of birth to 10.
The corresponding guarantee period of China Life Xinyao Supreme Annuity Insurance is 15, while the guarantee period of Evergrande Splendid Future Annuity Insurance is set at 0: 00 on the anniversary of the first policy after the insured reaches the age of 25. The guarantee period of both is not particularly long.
China Life Xinyao Supreme Annuity Insurance has two payment cycles: one-time payment and 10 year payment, while Evergrande Splendid Future Annuity Insurance has three options: wholesale payment, three-year payment and five-year payment. Comparatively speaking, bright future annuity insurance is more flexible.
Second, the content of protection
Evergrande Splendid Future Annuity Insurance is an education annuity insurance, which covers growth care fund, high school education fund, university education fund, continuing education fund, family establishment fund and death insurance fund. Covering all stages of children's growth. According to the information provided in the protection chart, from the first policy anniversary date after the insured reaches the age of 16 to the expiration of the insurance period, the beneficiary of the insurance money can get the corresponding insurance money every year, providing good financial support for the insured at all stages of growth.
This paper has a deeper analysis of Evergrande Splendid Future Annuity Insurance. Friends who are interested in this product should not miss it:
Is Evergrande's "Bright Future" education fund worth buying? I advise you to be careful! 》
The insurance coverage of China Life Xinyao Supreme Annuity is relatively simple, including annuity, expiration insurance and death insurance. Next, the key point introduced by Senior Sister is annuity. Starting from the corresponding date of the first year after the contract comes into effect for five policy years, the insurance company will definitely pay the corresponding insurance premium according to the contract requirements under the condition that the insured is not dead. The amount of insurance premium mainly depends on the payment period. If wholesale payment is decided, 10% of the annual premium determined by the basic insurance amount is the payment amount of the insurance company. If the payment period is ten years, the amount that the insurance company needs to pay is 100% of the annual premium determined by the basic insurance amount.
Third, suitable for the crowd
Evergrande Bright Future Annuity Insurance is a member of the education annuity insurance product, and the protection content and insurance rules are designed for young minors. Allowing people under the age of 10 to apply for this insurance product can protect children at all stages of growth. Evergrande Brilliant Future Annuity Insurance is a very good education annuity insurance product in essence, and it is also a very good choice for parents' society to insure their children.
As an annuity insurance product, China Life Xinyao Supreme Annuity Insurance has a guarantee period of 15 years and has the function of compulsory savings. The protection content of this product is not complicated, and the number of times to receive insurance money is also relatively high. It is more suitable for friends who don't know much about financial management, or who don't control the amount of money they spend and don't develop a good habit of saving money. For everyone, it has played a mandatory saving effect.
Want to know other annuity insurance worth starting, look at this list compiled by senior sister:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
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