Then take this opportunity, senior sister, to analyze it for everyone ~
However, before starting the analysis, you can take a look at this article and have an understanding of the old-age security:
"The salesman won't tell you about these two insurances! 》
Next, Senior Sister wants to introduce and analyze Ying Da's E- Fu Bao, and see if this product will become a special product among the two all-insurance products.
First of all, let's take a look at the product map of Ying Da E Fu Bao and have a basic understanding of this product:
I. Insurance conditions
Ying Da e Fu Bao's insurance coverage is still very large, allowing people born between 28 days and 70 years old to take out insurance.
However, the insurance period and payment period of Ying Da E Fu Bao are relatively not very wide.
The insurance period of this product in Fu Bao, Ying Da is only 5 years. For similar products whose insurance period is set to 5 years, 10 year, 20 years or 70 years old for the insured to choose according to their own needs, Ying Da e Fu Bao has a single insurance period and relatively poor flexibility.
Besides, regarding the payment term, there is only one way to make a batch payment in Ying Da and Fu Bao (that is, one-time payment). For people with greater economic pressure, there are not enough conditions to buy, and the amount of insurance that may be purchased will be very small.
If you don't know how to choose the payment period, please refer to the following article:
"How to choose the payment period so as not to lose money? 》
Second, the content of protection
The full name of "two-insurance" is "life and death insurance", which is actually a combination of life insurance and death insurance. Therefore, we can find that these two all-insurance products are very similar to Ying Da's E- Fu Bao, and the two main products are "death insurance" and "expiration insurance".
However, today's insurance products are more and more humanized. For the protection of "death insurance", the item of "total disability protection" is usually added, that is, if the insured dies unfortunately during the insurance period, once the insured reaches the "total disability" state agreed in the insurance contract, he can still get compensation.
Life insurance products with "total disability protection" can make insurance beneficiaries get insurance money earlier, so temporary economic pressure can also be alleviated.
Fu Bao, a British university, only provides "death" protection, but not "total disability" protection, so the protection content is not comprehensive enough.
Third, the compensation ratio.
After selecting the products of Ying Da E Fu Bao, once the insured is out of danger at the age of 18~40, 160% of the premium paid will be paid by the insurance company to the insurance beneficiary. The insured aged between 4 1~60 can get the basic guarantee amount of 140% when going out of danger. Moreover, the insured aged 6 1 and above only needs to pay 120% of the accumulated premium.
Compared with other products on the market, the compensation ratio of Ying Da E Fu Bao does not have much advantage, and the value protection brought to the insured is limited.
Limited by space, I have compiled more relevant comments about Ying Da E- Fu Bao in the following articles. For details, please poke:
"Ying Da e Fu Bao's two risks can really pay off every year? Watch out for into the pit! 》
Generally speaking, Ying Da E Fu Bao's security ability is relatively weak, and there is also some uncertainty in its income. I suggest you compare with other products on the market and choose the best one.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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