Is it true about the description of old-age security, who lives a comfortable life?
Next, senior sister will take you to have a look ~
If you want to look at the evaluation of seniors from another angle, you can poke the following:
The full comment of "Old-age security, prosperous life of the country" is coming! Please code these points before buying! 》
1. How about old-age security and enjoy all the splendor?
As usual, let's get familiar with the security map of old-age security, a country with a long life and prosperity:
1, analysis of insurance conditions
The guarantee period of old-age insurance is 80 years old, so that people aged 65,438+08-65 can take out insurance.
There are three payment periods: wholesale payment, 10 payment and 20 payment.
It should be noted that the payment period is closely related to the compensation ratio coefficient of death insurance and expiration insurance.
To this end, usually when choosing the payment period, you should consider your own economic conditions, and you can also calculate its "income" to see if the money you finally get meets your own security needs.
In addition, there is room for improvement in the setting of exemption clauses and waiting period in old-age security.
There are seven exemption clauses, among which there are specific agreements on drunk driving and illegal driving, and the waiting period is also set at 180 days.
However, some similar products on the market only have three exemption clauses, and the exemption clauses are very loose.
Even some of them only have a waiting period of 90 days.
If you have an unfortunate accident (not an accident) while waiting, the insurance company will not be responsible for claims at that time.
Therefore, the shorter the waiting time, the better.
However, from the perspective of insurance conditions, it is more in line with the rules to enjoy the old-age security of an affluent life.
2. Security content analysis
Old-age security includes two responsibility: expiration insurance and death insurance.
However, some products on the market also have total disability protection.
What needs to be understood is that if the main undertaker of the family economy is unfortunately completely disabled, it will face a serious blow. ...
Not only will the family lose its main source of income, but it may also have to bear the cost of nursing and nutrition for a long time.
If this is guaranteed, it will help to transfer the economic risks brought by partial total disability.
In addition, some endowment assurance products with aviation and public transport accident death/total disability protection. These products are also very practical for people who travel frequently.
Just for the content of protection, we still have to consider it with our own protection needs.
3. Analysis of other rights and interests
Old-age security, the prosperity of national life, set up the right to convert annuities and policy loans.
The so-called conversion annuity means that the beneficiary can choose to receive death insurance or maturity insurance in one lump sum.
And you can also choose to convert some or all of them into annuities.
For example, when the security expires, you can change the due insurance money into an annuity, which is similar to becoming pension annuity insurance.
Therefore, we can get more protection.
The topic of providing for the aged is also a hot topic in recent years. For this reason, some pension insurance on the market is also quite popular. For example, Xintai Ruyi has enjoyed pension annuity insurance for 25 years, and the income is still excellent. If you are interested, you can have a look:
"At the beginning of the article, Xintai Ruyi enjoys pension annuity insurance forever! 》
In addition, with the rights and interests of policy loans, the flexibility of policy funds will also become higher.
After all, it is difficult to withdraw money freely at other times except when it expires, escapes or surrenders.
And a large sum of money equivalent to your own is fixed. ...
But with a policy loan, if you need money urgently, you can borrow some money according to your needs in case of emergency, and you can repay the principal and interest at maturity.
Second, is it worth buying old-age security in prosperous times?
Generally speaking, there are many options for the payment period of old-age security in the year of raising the country and enriching the people, and other rights and interests are also very practical and very commendable.
However, before buying, you can also study its performance from the aspects of exemption clause, waiting period and guarantee content, and you may know that there are other similar products that better meet your needs.
In addition, when insuring against two risks, you should pay attention to the following points:
"About the two insurance, the salesman won't tell you! 》
Write it at the end
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