Maybe everyone is unfamiliar with this product, and interested friends can also read this article first:
"It is said that Taiping Xinduoduo Pension Insurance (Internet exclusive) is good? Have you noticed ... "
First, Taiping Xinduoduo Old-age Security (Internet exclusive) has these attractive points.
So is Taiping Xinduoduo Old-age Security (Internet Exclusive) an excellent product? I suggest you take a closer look at the evaluation results of senior students. Let me show you its safety map first:
As can be seen from the above figure, Taiping Xinduoduo old-age security (Internet-specific) has set up two kinds of security: expiration security and death security. The content of the guarantee is simple, but the following points are really attractive!
1. There are many options for the warranty period.
Taiping Xinduoduo Old-age Security (Internet-specific) provides the insured with four security periods, of which 1 1 year is the shortest security period and the longest security period can reach 30 years, which is really great news for those who prefer short-term security or medium-term security!
2. Flexible payment period
The payment period of Taiping Xinduoduo old-age security (Internet exclusive) is very flexible. There are not only wholesale payment, but also three different payment periods, namely three years, five years and ten years. Consumers can choose the payment period that suits them best according to their actual situation.
Senior suggested that if there is no financial burden, you can choose wholesale payment, so the total premium will be less than the annual payment. If the economic conditions are only moderate, you can choose the annual payment method, so that your economic pressure will not be so great and you can fully consider consumers.
Maybe some friends don't know what it means, but they will understand after reading this article in doubt:
What do you mean by wholesale? What are the benefits? 》
Having said that, do you think Taiping Xinduoduo Old-age Security (Internet exclusive) is very distinctive? However, what the senior sister will say next may make everyone lose confidence. Whether it is appropriate or not depends on whether you can accept the following points.
Second, Taiping Xinduoduo old-age security (Internet exclusive) needs special attention.
1. The insurance age range is not wide enough.
Taiping Xinduoduo Pension Insurance (Internet only) supports 18-65-year-old people to insure. In fact, senior sister really frowned when she first saw this range.
It should be understood that in some relatively good old-age security in the market, 70-year-olds can choose whether to insure at most. Although there is no big difference, this short range in daily life is enough for many people who want to insure this product to find another way.
There are many exemption clauses.
The exemption clause is simply the case that the insurance company does not guarantee. If the insurance company verifies that the case is an exemption clause after the consumer is out of danger, then the insurance company's refusal to claim compensation is also recognized.
There are many exemption clauses for Taiping Xinduoduo old-age security (Internet exclusive), reaching 7. However, some high-quality endowment assurance products on the market generally have about three exemption clauses. For consumers, of course, the fewer exemption clauses, the better, because this largely determines whether consumers can successfully obtain claims in the future.
If you want to know more about the specific content of the exemption clause, you can also look at this article prepared by Senior Sister:
What is the exemption clause of insurance? what do you think? If you don't understand, you will suffer a big loss! 》
Generally speaking, Taiping Xinduoduo Old-age Security (Internet-only) is not very cost-effective. Although it has many attractions, such as the choice of guarantee period and flexible payment period, there are also some noteworthy places, such as the narrow age range of insurance, many exemption clauses and insufficient protection, which is not worth buying.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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