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. The Mystery of Tianfu 1 (Jufu Edition) Annuity Insurance
According to the usual practice, the senior first presents the protection map of Tianfu 1 (Jufu Edition) annuity insurance for everyone to see:
Let's first analyze the product form of Tianfu 1 (Jufu Edition) annuity insurance. This product is a combination of main insurance and additional insurance. After all, Tianfu 1 (Jufu Edition) annuity insurance is a product portfolio plan.
Tianfu 1 (Jufu Edition) is the main insurance of annuity insurance. During the insurance period, the insured can be paid survival insurance and old-age insurance, of which the old-age insurance can be guaranteed for 25 years, in addition to death protection.
The main insurance of Tianfu 1 (Jufu Edition) annuity insurance includes policy dividends, and consumers can enjoy the dividends of insurance companies after insurance.
Secondly, Tianfu 1 (Jufu Edition) annuity insurance has also been added in place, such as policy loans, insurance reduction, automatic premium payment and other rights and interests.
When purchasing Tianfu 1 (Jufu Edition) annuity insurance, consumers must attach one of these three universal accounts: Taikang Futai 1, Taikang Supreme (Celebration Edition) and Taikang Zunying Account. They can also consider increasing Huiying Tianfu old-age security and Huiying Tianshou old-age insurance.
Then let's learn about the insurance conditions of Tianfu 1 (Jufu Edition) annuity insurance. This product is allowed to be purchased by people aged 0-70, including the insured 105, and the premium is allowed to be paid in batches or in advance.
The above is about the product form of Tianfu 1 (Jufu Edition) annuity insurance.
If you want to know more about Tianfu 1 (Jufu Edition) annuity insurance, please go here to get more information:
Taikang Life got off to a good start in 2023! How about Tianfu 1 (Jufu Edition) annuity insurance? Look at this! 》
2. What is the performance of Tianfu 1 (Jufu Edition) annuity insurance?
Through the research of senior sister, the advantages and disadvantages of Tianfu 1 (Jufu Edition) annuity insurance are still obvious.
& gt& gt Tianfu 1 (Jufu Edition) Highlights of Annuity Insurance
1, the pension is guaranteed for 25 years.
Friends who know something about pension insurance may find that pensions for many products on the market are not guaranteed. In case the insured dies before receiving the pension, the unpaid money will be wasted.
The Tianfu 1 (Jufu Edition) annuity insurance is different. This product covers a 25-year pension guarantee period. Even if the insured dies unfortunately during this period, to sum up, the beneficiary can receive the pension that should be paid but not received. It can be said that it is very considerate.
2. There are many options for payment term.
According to the analysis of the protection map, Tianfu 1 (Jufu Edition) annuity insurance has a variety of payment years to choose from.
In addition to the payment method of wholesale premium, Tianfu 1 (Jufu Edition) annuity insurance also supports the payment of premium in equal installments of 3/5/ 10/ 15/20 years.
From this point of view, the payment period of Tianfu 1 (Jufu Edition) annuity insurance is worth the choice of consumers with various needs.
Compared with some similar products that lack wholesale payment or only support 3/5 years payment, Tianfu 1 (Jufu Edition) annuity insurance will be more reasonable.
& gt& gt Tianfu 1 (Jufu Edition) Annuity Insurance Shortcomings
1, high dividend uncertainty
The main insurance of Tianfu 1 (Jufu Edition) annuity insurance is actually dividend insurance. After successful insurance, on the one hand, consumers can get the guaranteed content and participate in the dividends of insurance companies, but their dividends are uncertain.
This is equivalent to the possibility of paying dividends last year and not this year. As for how much dividends the insured can get, it depends on the distributable surplus of the insurance company in the previous year.
Insurance companies generally conceal the profitability of dividend business, so how much money they can get and whether they can get it are all between the insurance companies' thoughts.
Some friends think that you can get a fixed amount of dividends every year after purchasing Tianfu 1 (Jufu Edition) annuity insurance, which is simply too much.
2. Bundle general account
As mentioned above, when configuring Tianfu 1 (Jufu Edition) annuity insurance, you must choose an additional universal account. This operation is equivalent to bundling.
Look at so many similar types of annuity insurance on the market. Insurance companies do not restrict consumers' choices and require them to attach universal accounts. In contrast, Tianfu 1 (Jufu Edition) annuity insurance products are not very flexible.
Generally speaking, Tianfu 1 (Jufu Edition) annuity insurance is quite cost-effective. In addition to the rich content of insurance, its insurance age range is also relatively wide, and the payment method is also very flexible. There are several other rights and interests, such as providing policy loans, reducing or exempting insurance, and automatically paying premiums.
So if it meets everyone's safety needs, it is still worth buying.
Of course, in addition to Tianfu 1 (Jufu Edition) annuity insurance with high cost performance, here is also an annuity insurance for everyone, 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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