So is there a pit in this product? Is it worth buying? 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 first:
"Annuity insurance? Is there anything to pay attention to? Do you have any good products? 》
1. On the protection and rights of "Huiying Life"!
Let's take a look at the product essence diagram first:
1. The basic guarantee is satisfactory.
As an insurance product that can provide protection for people, in addition to seeking benefits, it is no harm for us to pay attention to the protection content first. "Huiying Life" annuity insurance (investment-linked) supports the basic guarantee of annuity and death insurance.
Annuity insurance has the characteristics of saving, and basically it takes some time to get an annuity. For example, this product, from the day after the fifth policy anniversary, the annuity beneficiary can only pay the annuity annually after applying and obtaining the company's consent. Annuity beneficiaries can receive an annuity on the anniversary of each policy at the rate of 65438+ 0% of the current policy account value.
As far as death insurance is concerned, the compensation shall be based on the accumulated insurance premium paid in the contract minus the accumulated partial withdrawal amount (including partial withdrawal fee) and the accumulated annuity, and the value of the policy account of the investment unit on the day when the claim application is received and the data review is completed.
2. The rights and interests are relatively rich.
As far as rights and interests are concerned, there are quite a lot of "Huiying Life" annuity insurance (investment-linked insurance), which is equipped with some rights and interests such as partial withdrawal, continuous dividends and policy loans.
"Partial withdrawal" actually means that during the validity period of the contract, consumers can request to withdraw the value of part of the policy account, and the insurance company will settle the value of this part of the policy account at the investment unit price on the day when the application is received and agreed, and then pay the balance to everyone according to the contract.
Among them, the handling fee for partial withdrawal is a certain proportion of the value of the policy account for partial withdrawal. The specific charging standard is: part of the cash withdrawal fee in the 1 policy year is calculated as 4% of the value of the policy account, part of the cash withdrawal fee is 3% of the value of the policy account in the second policy year, 1% in the third to fifth policy years, and 0% in the previous policy year.
Another is that the amount withdrawn from each policy year cannot be higher than 20% of the premium paid, and the amount withdrawn from each application and the value of the remaining policy account after each withdrawal cannot be lower than the amount stipulated by the insurance company at that time. If the value of the policy account is zero after partial withdrawal, the validity of the contract will be terminated.
By the fifth policy anniversary date of the contract, the insurance company will pay a lump sum premium of 1% after deducting the accumulated partial withdrawal amount (including partial withdrawal fees) as a continuous bonus; In fact, on the seventh and tenth anniversary of the policy, the continuous dividend payment ratio at this time is 0.5%. The continuous dividends paid will be deposited into the policy account according to the investment units allocated in the designated investment account.
In fact, you should know a lot about borrowing money from the insurance policy. However, it should be noted that the maximum loan amount is 70% of the contract cash value, that is, the balance after deducting the outstanding policy loan and interest. At present, the longest loan period is six months.
Due to space limitations, Senior Sister will not explain Huiying's products for the time being. Friends who need to know more can take a look at this evaluation article:
Want to buy CITIC Prudential "Huiying Life" annuity insurance (investment-linked)? Read the article! 》
2. What kind of person is "Huiying Life" suitable for insurance?
1. Have certain ability to bear economic risks.
Maybe many people don't know why we suggest that you have the ability to take economic risks before insuring this product. Mainly there are special circumstances in this kind of annuity insurance.
But this is an investment-linked insurance, and it is impossible to predict the income in advance. Especially in the insurance description of this product, the insurance company has made it very clear that "the investment risk of the product shall be borne by the insured".
Moreover, starting from this product, you need to pay a certain percentage of asset management fees and upfront fees. In this way, you need to have certain economic risk-taking ability to insure this product.
2. Self-insurance has been fully configured.
As a financial insurance, CITIC Prudential's "Huiying Life" annuity insurance (investment-linked) mainly provides death protection for the insured, without health protection and accident protection.
Therefore, before you consider taking out such financial insurance/financial insurance, you must first make sure that you have prepared all the guaranteed insurance.
Like most of us, we need to choose critical illness insurance, millions of medical insurance and accident insurance. Sister Xue also teaches you how to choose.
Good critical illness insurance should not only cover light/moderate illness insurance corresponding to high incidence and severe illness, but also the proportion of light/moderate illness insurance should reach 30% and 60% of the basic insurance amount respectively. In addition, it is best to stipulate multiple payments for malignant tumors and serious diseases and additional payments for serious diseases.
Millions of medical insurance mainly reimburses some expenses that social medical insurance does not allow. At the beginning, we can focus on the deductible and the content of protection.
In terms of accident insurance, it mainly depends on whether the product includes accidental medical treatment and sudden death protection.
I believe that after further analysis by senior sister, everyone will understand better.
On the whole, CITIC Prudential's "Huiying Life" annuity insurance (investment-linked) is more suitable for people with certain economic risk-taking ability and perfect personal protection configuration.
Want to know which annuities have good returns, you can compare and refer to this cost-effective annuity list:
"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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