Its products in 2023 can be described as a dime a dozen, such as Xinxiang's next endowment assurance and Xinrui's annual annuity insurance. , the price is very high.
Is it worth buying the new and win-win annuity insurance on the Internet? The following sister will give you an in-depth evaluation!
This pit-avoiding strategy can help you buy suitable annuity insurance and avoid detours. Friends in need come and have a look:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. What are the guarantees of Xinrui Win Annuity Insurance?
As usual, let's take a look at the product protection map first:
According to the information provided by the protection map, Xinrui Steady Win Annuity Insurance has set up more complicated protection contents. Then, in order to let everyone know the situation of this product, Xuejie still analyzes it from two aspects: insurance conditions and guarantee responsibilities.
1, analysis of insurance conditions
Xinrui win-win annuity insurance is aimed at people born more than 28 days and under 65 years old. This insurance age range matches the insurance needs of most people. In fact, compared with most annuity insurance on the market, it does not fall in the wind.
The payment period of Xinrui Steady Win Annuity Insurance is also very selective. The insured can not only choose to pay in batches, but also choose the following installments: 3/5/8/ 10 years. Many small partners think that the longest payment period of this product is a bit short, which is not very humanized for people with low premium budget. However, considering that the guarantee period of Xinrui Steady Win Annuity Insurance is only 15 years, it is also reasonable that the longest payment period is 10 years.
It is worth noting that Xinrui Steady Win Annuity Insurance has seven exemption clauses, which have not reached the best level of similar products on the market.
2. Security content analysis
The coverage of Xinrui stable annuity insurance includes special survival fund, annuity, maturity insurance and death insurance.
Compared with other annuity insurance in the market, the special survival fund of Xinrui Steady Win Annuity Insurance is quite distinctive. I'd like to take this opportunity to introduce this guarantee to you.
From the corresponding date of the first year after the contract comes into effect for five policy years to the corresponding date of the first year after the contract comes into effect 10 policy years, the insurance company will pay the insured a special survival insurance premium according to the annual premium * payment ratio on the corresponding date of each policy year. The determination of the payment ratio is inseparable from the payment period.
However, it should be noted that the special survival fund paid is based on the special survival fund paid in the previous policy year, and the premium is increased by 3% every year. To put it simply, with the continuous passage of the guarantee period, the special survival fund available to the insured has been increasing.
Regarding the basic situation of Xinrui Steady Win Annuity Insurance, Xue Xuejie will introduce you here first. If you want to know more about this product, you can click the link below.
Is China Life's "Xinrui Steady Win Annuity Insurance" really strong? You will know after reading this article! 》
2. What are the precautions for insuring Xinrui Win-Win Annuity Insurance?
In addition to the special survival fund guarantee, the annuity, maturity survival fund and death insurance fund of Xinrui Steady Win Annuity Insurance are very common, and they are all general guarantees.
In addition, we need to pay attention to one thing when insuring Xinrui win-win annuity insurance. This product does not guarantee the health of the insured.
You should know that health is the capital of revolution, so in the view of senior sister, it is best to buy yourself a relatively complete health insurance (such as critical illness insurance) before buying financial insurance such as annuity insurance.
In this way, even if it is a serious illness, there are insurance companies to solve the problem for themselves, so don't worry too much about medical expenses.
To sum up, Xinrui Steady Win Annuity Insurance is not worth buying because of its low cost performance and incomplete protection.
If you want to buy more cost-effective annuity insurance, you can consider other products on the market. Here are some cost-effective annuity insurance for your reference before buying:
"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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