Before entering the detailed evaluation, you can first understand the relevant knowledge points of insurance: before buying insurance, you must first understand these key knowledge points!
The protection map of old-age security (dividend-sharing type) is as follows:
All people born more than 30 days (inclusive) and under 70 years old (inclusive) are covered by the old-age security (dividend-sharing type). This product can provide a five-year guarantee period, with two payment periods of three years and five years.
During the insurance period, endowment insurance (dividend-sharing type) can provide death protection for the insured, and set the death compensation ratio according to the accumulated premium paid in the contract multiplied by the payment ratio coefficient.
If the insured lives until the expiration of the insurance period, he can receive the maturity insurance money, that is, the basic insurance amount of the contract.
In addition, the old-age security (dividend type) has the dividend function. For details about dividend insurance, please read this article: Why is the complaint rate of dividend insurance so high? Unveil the mystery of dividend insurance
The highlight of Yingduoduo old-age security (dividend-sharing type) is that the product has a wide range of insurance age and a high upper limit of insurance age. Compared with some products of the same type (the maximum coverage is 60 years old), it can give more insurance opportunities to people of all ages.
Moreover, the guarantee period of old-age security (dividend-sharing type) is not long, and the probability of the insured surviving until the insurance expires is not low, and the probability of getting the full amount of insurance money is relatively high.
In addition, there are not many exemption clauses in the old-age security (dividend type), only four, and the probability of claim settlement will be higher accordingly.
Speaking of exemption clauses, we also need to pay attention to these details: what is the exemption clause of insurance and what do you think? If you don't understand, you will suffer a big loss!
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