Today, senior sister will take a look at Xinxiang's future children's annuity insurance B with everyone to see if it is really so excellent.
Before preparing to start, please hand in an annuity insurance pit prevention strategy, so that you can step on the thunder less:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. What is the guarantee for the new children's annuity insurance in the future?
As usual, let Xin enjoy the product protection chart of future children's annuity insurance B:
Through the analysis of the above figure, the coverage of the future children's annuity insurance B is very simple, including only university education funds, further education funds and death insurance funds. However, even if it looks so simple and clear, this product still has many unknown tricks. Next, senior sister will give you one.
1. The age limit for insurance is very strict.
The insured age of Xinxiang Future Children's Annuity Insurance B is 28 days after birth-13 years old. Seriously, this age range is really narrow.
In the market, the maximum age of some children's annuity insurance can reach 17 years old. In contrast, Xinxiang's future children's annuity insurance B is obviously a bit backward, and many people are rejected from the insurance age range.
2. Less funds are paid for university education.
In terms of the related content of university education guarantee, the payment ratio of the future children's annuity insurance B is different according to the payment period.
If the insured chooses to pay in one lump sum, he will pay 20% of the premium every year within the age range of 18-2 1; If the policy holder is configured to pay in 3/5/ 10 years, the insurance company will pay 60%, 100% and 200% of the first premium.
Don't just look at this ratio. It's still quite high. In fact, this is paid in proportion to the insurance premium. In the final analysis, the wool is on the sheep, and the amount obtained by the insured is the money paid by himself. Then it's meaningless. It is more reasonable to deposit money in the bank, and at least you can get some interest.
Therefore, from the perspective of university education fund, Xinxiang's future performance of children's annuity insurance B is very general.
3. Lack of distinctive rights and interests
In the future, the rights and interests of children's annuity insurance B are not well enjoyed, excluding special rights and interests such as policy loans, addition and subtraction insurance.
For example, if the insured has difficulties in cash flow, he can use the rights and interests of the policy loan to apply for borrowing some funds from the insurance company to solve his temporary cash flow problem.
Unfortunately, Xinxiang's future children's annuity insurance section B did not consider this aspect.
4. There is no universal account
Universal account is similar to "Yu 'ebao". Assuming that the insured feels temporarily unnecessary after receiving the annuity, he can use the universal account to compound interest and increase value.
However, Qian Shengqian is not covered by the universal account of Xinxiang Future Children's Annuity Insurance B, and people will be disappointed.
Xinxiang Future Children's Annuity Insurance B ends here. If you want to see some other contents, you can move the article here for consultation:
"China life enjoy the future children's annuity insurance (B)? 》
Second, is it the best choice to give children the future children's annuity insurance B?
After the above analysis of Xinxiang Future Children's Annuity Insurance B, I believe everyone has already scored this product.
Xinxiang future children's annuity insurance B has many shortcomings, not only the age limit for insurance, but also the poor payment of university education funds, and there is no special rights and universal account, which is not very good.
On the whole, Xinxiang Future Children's Annuity Insurance B is not worth buying because of its low cost performance and insufficient protection.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister arranged a lot of value-for-money and solid annuity insurance. You can choose the best one here:
Top Ten Outstanding Annuity Insurance Rankings! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!