The following sister will give you an in-depth evaluation! This article can help you get familiar with annuity insurance in advance. If you don't know, let's take a look:
"Annuity insurance? Is there anything to pay attention to? Do you have any good products? 》
1. The Secret of "Tanya Jinsheng" Endowment Insurance
Let's take a look at the product diagram first:
1. Pension annuity
"Tanya Jinsheng" has two security schemes to choose from, mainly in the collection of pension.
The first guarantee scheme is that if the insured still exists at 0: 00 on the first pension collection date agreed in the contract, the annual pension will be paid with reference to the basic insurance amount in the contract, and the monthly pension will be paid according to the basic insurance amount in the contract divided by 1 1.866.
The second guarantee scheme is to determine the annual pension when the insured meets the payment demand. The first pension annuity collection date is collected by the insured with reference to the basic insurance amount of the contract, and the annual pension amount is * 65438+ 0.03 of the previous year. If monthly payment is selected, the monthly payment will be calculated by dividing the basic insurance amount of the contract by 1 1.866 in the first year and * 1.03 in the next year.
You can choose your own pension plan according to your own premium budget and insurance demand ~
2. Guaranteed payment of pension annuity
If the insured dies during the pension protection period, the insurance company will let the insured receive the pension protection in one lump sum according to the sum of the pension annuities not received during the pension protection period.
In fact, ensuring the payment of old-age pension is a special responsibility of "Tanya Jinsheng" old-age insurance, and not every old-age insurance is guaranteed. Tongfang's global products are really satisfying ~
3. Death insurance
If the insured dies before the first pension payment date (excluding) agreed in the contract, the insurance company will allow the insured to enjoy the death insurance according to the greater of the premium paid and the cash value.
This kind of death insurance is quite common, and the death protection of most pension annuity insurance is actually stipulated in this way.
The above is the content of "Tanya Jinsheng" pension insurance. Friends who want to know more about this insurance can also click this article to have a look:
Is Tongfang Global "Tanya Jinsheng" Pension Insurance Worth Buying? In the end! 》
2. What are the highlights of "Tanya Jinsheng" pension insurance?
1. Optional flexibility is high.
In addition to the two pension schemes, the flexibility of Tanya Jinsheng pension insurance is higher, which is also reflected in the choice of the guarantee period and the starting age of receiving pension.
The guarantee period of "Tanya Jinsheng" pension annuity insurance can be determined to end at 0: 00 on the policy anniversary (excluding) when the insured reaches 9 1, or it can be selected to end at 0: 00 on the policy anniversary (excluding) when the insured reaches 105.
Combined with the starting age of pension annuity, consumers can be sure to receive it at the age of 55, 60, 65 and 70. This option is very powerful ~
For some products on the market, men's and women's pension annuities are based on gender requirements, and consumers cannot choose according to their personal circumstances.
2. The number of exemption clauses is very small
We know that the fewer exemption clauses, the greater the possibility of compensation.
"Tanya Jinsheng" pension annuity insurance has only three exemption clauses. Compared with seven or more exemption clauses of similar products, "Tanya Jinsheng" is still very good for consumers.
However, the senior sister should remind the friends that no matter how many exemption clauses are provided, you must read each one when you apply for insurance ~ to avoid the thorny situation in the later claim settlement process due to negligence in the early stage.
On the whole, Tongfang Global "Tanya Jinsheng" pension insurance has high cost performance and excellent protection, and is worth buying.
Of course, in addition to the cost-effective "Tanya Jinsheng" pension insurance, there is also a list of annuity insurance, which is full of products worth buying. Friends in need can refer to:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
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