The following sister will give you an in-depth evaluation! This article can help you get familiar with matters needing attention related to annuity insurance in advance. If you don't know, let's take a look:
Learn this trick and stay away from the 99% pit of annuity insurance.
First, the secret of China Life's exclusive commercial endowment insurance!
The coverage provided by Xinxiangbao's exclusive commercial endowment insurance is really complicated and needs to be read carefully. You can look at the protection map first to find out:
Xinxiangbao's exclusive commercial endowment insurance mainly includes pension annuity, disability care insurance and death insurance, and only one of them can be paid. The following senior will take you to explore one by one.
1, pension annuity
60 to 100 years old is the starting age range of pension annuity. You can choose according to your retirement age and other needs, and it is best to choose retirement age as the starting time.
There are two ways to receive a pension. One is to ensure that the value of the returned account is collected for life, and you can choose to collect it on an annual or monthly basis; Another collection method is to select 10 years, 15 years or 20 years according to a fixed period.
If the insured dies unfortunately, the total pension received (excluding interest) is less than the personal account value on the day when the pension is received. The insurance company will pay the difference between the beneficiaries in one lump sum.
2. Disability care insurance
If you haven't started to receive the pension annuity of exclusive commercial pension insurance for Xinxiangbao, and the insured's status at this time has been identified as the disability care status agreed in the contract, you can directly receive the disability care insurance money.
There are two ways to collect. The first way is: one-time collection, insurance companies can pay the value of personal accounts; In addition to one-time payment, there is another payment method called fixed payment. The payment period is similar to that of pension annuity, which is 10 and 15 /20 years respectively. You can choose to pay annually or monthly. The specific amount of compensation needs to look at the disability care payment standard formulated by the insurance company at that time and the value of the personal account at that time.
Suppose that the insured died unfortunately before the expiration of the fixed period of Xinxiangbao's exclusive commercial endowment insurance, and there is a big difference between the sum of disability care insurance money that has not been received within the fixed period, the value of personal account when starting to receive disability care insurance money and the sum of disability care insurance money.
3. Death insurance
If the insured dies before receiving disability health care or pension, in this case, the insurance company directly pays the value of the personal account to the insured in one lump sum, and cancels the personal account, and the contract is terminated.
4. Other guarantees
The coverage of Xinxiangbao's exclusive commercial endowment insurance includes two investment accounts. When you are ready to buy, you can choose one or both, which is related to the amount of insurance we can receive. At present, the guaranteed interest rate of portfolio account A is 2.0%, and the daily interest rate can reach 0.005479%. Combination b has obvious disadvantages. It does not provide guaranteed interest rate and corresponding daily interest rate, so the income may be high, but the corresponding risk is also great.
If you pay attention to security and financial management when buying annuity insurance, I suggest you look at these products:
What is the difference between dividend insurance, universal insurance and increased whole life insurance? Which is the most cost-effective? 》
Second, is the exclusive commercial endowment insurance value of China Life New Box worth buying?
On the whole, the exclusive commercial endowment insurance with China Life Insurance and China Life Insurance is relatively average in cost performance and insufficient in protection, so it is not a product worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has compiled a lot of premium and well-guaranteed commercial endowment insurance. You can choose the best one here:
The top ten commercial endowment insurance market with cost performance! 》
Write it at the end
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