Taikang Huiying Life (Aijia Edition) annuity insurance product plan takes annuity insurance as the main insurance guarantee, and additional insurance is a well-known universal account.
Based on the insurance clauses of Huiying Life (Love Home Edition) annuity insurance (dividend type), this paper discusses whether this product is worth buying and which customers it is suitable for.
Before the analysis, give everyone a wave of benefits. My senior summarized ten kinds of high-yield financial insurance before. Interested friends can compare and refer to:
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First, the analysis of the guarantee content of Huiying Life (Love Home Edition) annuity insurance (dividend-sharing type)
Not much to say, let's take a look at the protection content map of Huiying Life (Love Home Edition) annuity insurance (dividend type).
We can get some information from the protection map. Huiying Life (Love Home Edition) annuity insurance (dividend-paying type) gives people aged 0-70 the opportunity to insure, and the guarantee period (main insurance) can be kept until 24: 00 on the corresponding day of the first year after 105, and the payment period provides wholesale and regular payment options.
In terms of protection content, the main insurance coverage of Huiying Life (Love Home Edition) annuity insurance (dividend type) includes survival insurance, old-age insurance and death insurance.
This product can definitely enjoy the pension, in addition, it also provides the policy bonus, which stipulates the policy rights such as policy loan and insurance deduction.
If the insured is not short of budget, you can also attach a universal account according to your own preferences, and then take you to study the advantages and disadvantages of this product.
1, with a wide insurance age
Huiying Life (Love Home Edition) annuity insurance (dividend-paying) can give people over 70 years old the opportunity to insure, even those who retire in their 60 s have the opportunity to insure, which is suitable for more people.
Compared with those products that only support people under the age of 60, Huiying Life (Love Home Edition) annuity insurance (dividend type) covers a wider range of people.
2. Guarantee to receive it for 25 years.
The old-age security of Huiying Life (Family Edition) Annuity Insurance (dividend-sharing type) can be received for 25 years, and the insured can receive it for 25 years after starting to receive the pension.
If the insured dies unfortunately during the period of guaranteeing the payment of pension, the insurance company will let the insured get the unpaid pension at one time, without worrying about not getting the pension.
3. You can attach a general account.
The so-called universal account simply means that the insured can deposit the insurance money returned by the insurance company or the spare money on his card into the universal account, and the universal account has a certain rate of return (similar to the bank deposit interest rate), which can realize secondary appreciation.
Huiying Life (Family Edition) Annuity Insurance (Dividend Type) provides an attachable universal account. For those friends who have a big budget and want to get higher income, this guarantee is still very good.
4. The policy dividend is uncertain.
When promoting their dividend insurance, general insurance companies often say how much they can get in a year, but in the terms of insurance products, it will be clear that "the policy dividend is not 100%", and there is no upper limit for dividend, which may be 0 dividend.
Huiying Life (Love Home Edition) annuity insurance (dividend-sharing type) is the same as the usual dividend insurance, and it is clearly stated in the insurance contract that the dividend of the policy is not necessarily.
To sum up, Huiying Life (Love Home Edition) annuity insurance (dividend-sharing type) still has a lot to understand.
Friends who want to know more about this product can look at the following analysis:
"Taikang Huiying Life (Love Home Edition) Annuity Insurance (Dividend-sharing Type) Is it good? You will know after reading it! 》
Second, Huiying Life (Love Home Edition) Annuity Insurance (Dividend Type) Insurance Suggestions
Generally speaking, Huiying Life (Love Home Edition) annuity insurance (dividend type) has a good cost performance.
If everyone has a very abundant budget and plans to support the elderly, you can consider buying Huiying Life (Love Home Edition) annuity insurance (dividend-paying).
If you think this product can't meet your needs, you can also consider several more products before making a decision.
Finally, people of different ages apply different insurance, and blind purchase may waste money. See here for the specific insurance scheme:
How to buy insurance at different ages? Everyone should have his own plan.
Write it at the end
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