The following sister will give you an in-depth evaluation! The following article can help you get familiar with annuity insurance in advance. If you don't know, let's take a look:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. What guarantees can Tianfu No.1 Jufu Edition provide?
As usual, let's take a look at the product protection map first:
As shown in the figure, Tianfu 1 Jufu Edition is essentially a combined insurance, which consists of Huiying Life (Love Home Edition) annuity insurance (dividend-sharing type) and whole life insurance (universal type). Among them, whole life insurance (Universal) * * * provides three models for you to choose from. In today's article, Senior Sister takes whole life insurance as an example.
Cut the crap and let's evaluate it!
1, analysis of insurance conditions
The insurance age range of Tianfu 1 Jufu Edition is still very reasonable, allowing people aged 0-70 to configure. Moreover, the insured can choose a lot of payment years, including not only wholesale payment options, but also 3/5/ 10/ 15/20 years. Such an intimate payment period allows most people to choose the most suitable payment period according to their insurance needs. It should be noted that the payment method of additional insurance is set to add, wholesale and transfer, which is also relatively warm.
Secondly, there are some differences between the main insurance and the additional insurance in Tianfu 1 Jufu Edition in terms of the guarantee period. The guarantee period of the main insurance is as follows: it lasts until 24: 00 on the corresponding day of the insured 105. Additional insurance can provide lifelong protection for the insured.
2. Security content analysis
As a combined insurance, the protection of Tianfu 1 Jufu version is still very comprehensive. The insured can not only enjoy survival insurance, pension insurance, death insurance (main insurance) and death insurance (additional insurance), but also get higher income with the help of policy dividends and universal accounts.
At the same time, the main insurance of Tianfu 1 Jufu Edition also covers the guaranteed payment period (25 years) for the insured. If the insured dies within the guarantee payment period, the insurance company will let the policy beneficiary receive all unpaid endowment insurance premiums at one time. Then, the interests of the insured can be guaranteed.
About the basic situation of Tianfu No.1 Jufu Edition, Xue Xuejie will introduce you here first. If you want to know more about the main insurance of this product, you can click the link below.
"Taikang Huiying Life (Love Home Edition) Annuity Insurance (Dividend)"? You will know after reading it! 》
2. Is Tianfu No.1 Jufu Edition worth buying?
A large number of friends believe that Tianfu 1 Jufu Edition not only covers universal accounts, but also allows us to get policy dividends, which greatly broadens the channels for policyholders to obtain income. If you buy it, you will definitely make a lot of money!
However, this idea is actually a bit one-sided, because the benefits of policy dividends and universal accounts are actually uncertain. Let me talk about the policy dividend first. The popular point is the distributable surplus of the dividend insurance business of insurance companies. How much you can receive depends on the operation of the insurance company.
The income of universal account is uncertain, and the income calculated according to the guaranteed interest rate is the money that the insured can definitely get. The guaranteed interest rate of Tianfu 1 Jufu universal account is not particularly high, which is not consistent with the highest level (3%) on the market.
On the whole, Tianfu No.1 Jufu Edition is quite cost-effective. Not only is there a wide range of coverage, but the age range of insurance is also wide, and the payment method is also very rich and flexible. Moreover, there is also a 25-year pension insurance payment period.
So if this product meets everyone's protection needs, it is still worth buying.
Of course, in addition to the cost-effective version of Tianfu 1, here is 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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