The following sister will give you an in-depth evaluation! This article can help you get familiar with the Pacific Pillar Income Loss Insurance Product Plan in advance. If you don't know, let's take a look:
What about the Pacific Pillar Income Loss Insurance Product Plan? An analysis! 》
1. What is the performance of the protection content of the Pacific Pillar Income Loss Insurance Product Plan?
Without further ado, let's get familiar with the product form diagram of Pacific Pillar Income Loss Insurance Product Plan:
1, insurance age setting
As can be seen from the product diagram above, the Pacific Pillar Income Loss Insurance Product Plan is specially designed for adults.
This product only gives insurance opportunities to people between the ages of 18 and 60, and the oldest age is 60.
In addition, the guarantee period of this product is from 24: 00 on the day before the first contract takes effect after the insured reaches the age of 88.
Simply put, if the insured unfortunately suffers from the contracted disease, another is to reach the agreed disability status.
In this way, the insured can get a sum of money every year until the first effective date of the contract after the age of 88 is interrupted at 24: 00 the day before the corresponding date.
2. The payment term is flexible.
We can easily see that the payment period of the Pacific Pillar Income Loss Insurance Product Plan is also very sincere, providing six payment periods.
Batch payment, 3 years, 5 years, 10 years, 15 years or 20 years respectively, very considerate to consumers, especially the longest payment period is 20 years.
If the consumer's budget is not so abundant, then you can choose a longer payment term, which will lengthen the payment time, make each payment cheaper and make the payment less stressful.
If you want to know how to choose the payment period, you can look at the following article:
"How to choose the payment period so as not to lose money? 》
After analyzing these, I believe everyone is familiar with the Pacific pillar income loss insurance product plan.
Just, what are the characteristics of this product? Let's have an in-depth study with our senior sister!
Second, what aspects should be paid attention to in the Pacific pillar income loss insurance product plan!
1, providing insurance for loss of disability income.
It is not difficult to see that the protection content of the Pacific Pillar Income Loss Insurance Product Plan mainly increases the disability income loss insurance premium and disability income loss care premium.
If the insured is diagnosed with the contracted disease for the first time due to accidental injury or after the contract comes into effect 180 days or after the last rehabilitation (whichever is later), and then reaches the contracted disability status, then he can receive a sum of money every year before his death.
This amount is closely related to the age of the insured. If the insured is under 60 years old at the time of the accident, he can apply for 100% of the basic insurance amount, and if the insured is over 60 years old at the time of the accident, he can pay 30% of the basic insurance amount.
2. Provide care for people who have lost their disabled income.
Let's take a look at the Disability Income Loss Care Fund. If the insured suffers accidental injury for the first time or is diagnosed with the contracted disease after the contract comes into effect/0/80 days after kloc-or the last reinstatement date (whichever is later) and reaches the contracted disability status, if the insured survives, the insurance company can also get the disability income loss care fund in addition to paying the disability income loss insurance premium according to the contract every year.
However, the number of payments for loss of disability income is limited to five times a year.
Moreover, it is worth mentioning that the waiting period of this product adds up to 180 days, which is still relatively long in the same type of products.
From this point of view, the performance of the Pacific pillar income loss insurance product plan is still not very good. Although additional insurance can be added and the payment period is satisfactory, it is not good enough in terms of guarantee period and insurance age and is not worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. In addition, before buying insurance, you must understand these insurance knowledge:
Before buying insurance, you must first understand these key knowledge points! 》
Write it at the end
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