Senior sister will take you to find out.
Before starting the assessment, Senior Sister suggests that you read the basic knowledge of insurance to better understand the following contents:
Before buying insurance, you must first understand these key knowledge points! 》
1. What's the difference between Soochow Zhuoyue Jinsheng Annuity Insurance and Xinyu Jinsheng?
Before it's too late, I've compiled the protection map for you directly:
1. Analysis of insurance conditions
Zhuoyue Jinsheng Annuity Insurance is a life-long guarantee product. The stipulated age range is from 28 days after birth to 60 years old, and there are many optional payment years such as wholesale payment, 3 years, 5 years, 10 years.
China Life Xinyu Jinsheng is a short-term guaranteed product, which is open to 72-year-olds at most. Compared with the excellent Jinsheng annuity insurance, the insurance age range of this product can meet the needs of more people and let more people get insurance opportunities.
However, Xinyu Jinsheng has set two options: wholesale payment and annual fee. The annual payment includes three or five years. To put it simply, the premium of China Life Xinyu Jinsheng Old-age Security needs to be paid within five years at the longest.
If you only pay a high premium for five years, it will be unfriendly to the small partners with insufficient budget, which will make everyone bear a heavy burden of payment. To tell the truth, this is a particularly headache!
2. Analysis of guarantee responsibility
Zhuoyue Jinsheng annuity insurance has two kinds of protection responsibilities: annuity and death, but the annuity protection in this product is also divided into special annuity, ordinary annuity, birthday bonus and education bonus. In fact, to sum up, the annuity collection methods set by this product are still quite diverse.
Next, let's take a look at the guarantee responsibility of Xinyu Jinsheng, which specifically covers the survival insurance, expiration insurance, death insurance and accidental injury insurance of passenger transport. When the insured dies once during the passenger transportation, the beneficiary can directly get the death insurance premium+100% of the paid premium.
It can be seen that Youjinsheng Annuity Insurance and Xinyu Jinsheng focus on different protection. If you are interested in various annuity collection methods, you can choose excellent Jinsheng annuity insurance. But if it is the pursuit of death protection, then Xinyu Jinsheng is very suitable for everyone!
If you are curious about annuity insurance, you can learn about it through this article:
Learn this trick and stay away from the 99% pit of annuity insurance.
3. Analysis of other rights and interests
Zhuoyue Jinsheng Annuity Insurance is a dividend-paying product. In this case, the insured has the right to enjoy the policy dividend, not only that, but also the rights and interests of the policy loan. Xinyu Jinsheng set up a policy loan and converted the annuity rights.
However, we should not ignore that the policy dividend of Excellence Jinsheng Annuity Insurance is uncertain, which can also be understood as the insurance company can not guarantee that everyone can get the policy dividend every year, and the amount can not be guaranteed.
Second, the senior sister suggested
Generally speaking, Zhuoyue Jinsheng Annuity Insurance is very inferior to Xinyu Jinsheng in the age range, but there will be more ways for this product to receive annuities, and Xinyu Jinsheng mainly provides death protection. Generally speaking, we should choose the appropriate insurance products according to our own situation.
However, in contrast, if you want to buy an annuity insurance for old-age planning, then the senior sister of "Everbright Yongming Guangming Huixuan Pension Insurance Product Plan" feels better.
If a small partner is interested in Guangming Huixuan's pension annuity insurance product plan, you can first learn about it through this article of your sister:
"Guangming Huixuan pension annuity has a high income? The answer is in the text ... "
Write it at the end
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