Today, Senior Sister will analyze this product in detail, and analyze its guarantee contents in detail. Do you recommend buying it? Friends who are interested in learning about this product must cherish the opportunity.
Friends who don't know much about annuity insurance may wish to take a look at this popular science article first:
"Annuity insurance? Is there anything to pay attention to? Do you have any good products? 》
1. How about Ping An Royal Wealth (2023) annuity insurance?
According to the old rules, senior sister has compiled the protection map of this product for everyone. You can have a look first:
1, insurance rules
According to the protection map, it is not difficult to see that the age range of Ping An Royal Wealth (2023) annuity insurance is very wide. The minimum insurance opportunity is for babies born 28 days, and the maximum insurance age is relaxed to 75 years old.
However, the warranty period of this product is relatively simple and can only be guaranteed for 8 years. We also found that the payment period of Ping An Royal Wealth (2023) annuity insurance can only be three years and five years, and there are not many options.
If some people with higher income want to choose wholesale payment, that is, pay the premium in one lump sum, it is a pity that this product does not allow wholesale payment and cannot meet the needs of those who want to choose wholesale payment.
In addition, Ping An Royal Wealth (2023) Annuity Insurance has seven exemption clauses. Exemption clause means that when an insurance company signs an insurance contract with you, it specifically States what responsibilities it does not need to bear according to the contract.
If the conditions are the same, the restriction is positively related to the number of exemption clauses. Therefore, compared with similar products with only three exemption clauses on the market, Ping An Royal Wealth (2023) annuity insurance has no advantage here.
2. Guarantee content
Looking at the protection map, we can see that Ping An Royal Wealth (2023) annuity insurance provides three kinds of protection contents: survival insurance, survival insurance at maturity and death insurance.
Among them, from the fifth policy anniversary to the seventh policy anniversary (inclusive), if the insured person still lives normally and meets the conditions on each policy anniversary, the insurance company will pay according to the annual premium and the comparative survival insurance payment ratio.
However, it should be noted that the payment ratio of survival insurance is inseparable from the payment period chosen when insuring. If you choose to pay in three years, the corresponding payment ratio of survival insurance will reach 60%. If it is decided to pay in five years, the proportion will be 100%.
Generally speaking, if the insured does not die at the expiration of the guarantee period, the insurance company will pay compensation according to the basic insurance amount agreed in the contract when the conditions are met.
If the insured dies unfortunately during the insurance period, the insurance company will provide the larger value of the premium paid at the time of the insured's death and the contract cash value as the death insurance.
In addition to the above analysis, Ping An Royal Wealth (2023) Annuity Insurance also has rich policy rights and interests, such as policy loans, automatic premium payment, and reduced payment, which are all included in the policy rights and interests.
Among them, policy loan is a very practical and important right. If there is a problem with the policyholder's capital turnover, and it meets the requirements, you can apply for a loan from the insurance company through the rights and interests of this policy loan to carry out capital turnover and ease the economic pressure. As long as the loan and interest are repaid on time, the policy has no effect and is still valid.
If you want to know more about Ping An Royal Wealth (2023) annuity insurance, you can read the following:
"Enjoy wealth safely (2023) The secret of annuity insurance protection! Friends who want to start watching. "
Second, is Ping An Royal Enjoy Wealth (2023) annuity insurance worth starting with?
In a word, Ping An Royal Wealth (2023) annuity insurance has a very loose age, allowing people under 75 to take out insurance, which is beneficial to the elderly in need, but there are not many options for the guarantee period and payment period.
Through the guarantee content, we can know that this product includes not only survival guarantee and expiration survival guarantee, but also death guarantee. Moreover, this product has also set up some practical policy rights, including policy loans, automatic premium payment, settlement reduction and so on.
To sum up, the guarantee period of this product is 8 years, which is suitable for people who invest in the short and medium term. As for whether it is worth buying, you can decide whether to configure this product according to your actual needs and budget.
Finally, the seniors also sorted out the excellent annuity insurance rankings on the market. Interested parties can take a look at this article:
"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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