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If some friends don't know much about the two risks, let's take a look at this popular science article first:
"The salesman won't tell you about these two insurances! 》
First, everyone's Hongfeng old-age security (dividend-sharing) content is great!
As usual, let's take a look at the product protection map first:
Combined with the security map, it is not difficult to know that everyone's Hongfeng old-age security (dividend-based) can be regarded as dividend-based old-age security, and the guarantee period is 5 years. Senior immediately analyzed the content of this product from the following aspects.
1, insurance conditions
For the insured age, people born between 28 and 70 can get old-age security (dividend-sharing type). In other words, babies who have just been born for 28 days to the elderly who are over 70 years old are eligible to choose this product. Based on the above factors, the insurance age range of this product is still relatively wide.
Regarding the payment period, everyone's Hongfeng old-age security (dividend-sharing type) has only one payment, which actually pays off all premiums at one time. Compared with those in the market that provide wholesale delivery, the other is the same type of products that provide timely delivery. There are not many payment methods for this product, and the space you can choose is not too wide.
Friends who want to know the benefits of wholesale trading can read this article:
What do you mean by wholesale? What are the benefits? 》
2. Guarantee content
Combined with the security map, it is not difficult to see that everyone's Hongfeng old-age security (dividend-sharing type) provides two security contents, namely death insurance and expiration insurance.
Moreover, the death insurance premium stipulates in detail that it shall not exceed the validity period of the contract. If the insured leaves this world and meets the requirements, the insurance company will pay according to the higher of the cash value at the time of death and the accumulated insurance premium paid at the time of death multiplied by the corresponding payment ratio at the time of death.
Among them, the proportion of death insurance payment is divided according to the arrival age of the insured at the time of death:
The proportion of death insurance for people aged 0- 17 reached 100%, 18-40 years old was 160%, 4 1-60 years old was 140%, and 665433.
It can be understood that if after adulthood, with the increase of the age of the insured at the time of death, it is stipulated that the proportion of death insurance payment for this product is lower.
Maturity insurance money means that when the later insurance period expires, if the insured is still alive and eligible, the insurance company will pay a maturity insurance money according to the basic insurance amount.
3. Other rights and interests
This product has other rights and interests in setting up policy loans. Combined with the actual cash value of the contract, after deducting all kinds of arrears, the maximum loanable balance is 80%. And the longest loan period is not allowed to exceed 6 months. This right can help everyone get rid of the difficulty of capital turnover during the guarantee period and meet the temporary capital demand.
At the same time, everyone's Hongfeng old-age security (dividend type) is simply dividend type, and there are two risks. During the validity period of the contract, the insurance company will determine the dividend distribution plan according to the actual operation of the dividend insurance business in the previous fiscal year.
In other words, if the conditions are consistent, students have the right to participate in the profit distribution of the dividend insurance business of insurance companies. But students should pay attention to the fact that the policy dividend of this product is not guaranteed.
Second, is everyone Hongfeng's old-age security (dividend-sharing) worth starting with?
Generally speaking, the insurance age range of this product is friendly. In addition, there is policy interest, which covers policy loans and is more practical.
However, its payment method only supports wholesale payment, and the choice space is limited. There are seven exemption clauses, slightly more. Moreover, there is no total disability protection, and the content of protection is not ideal compared with those similar products on the market that include total disability protection.
Therefore, senior sister suggested that before choosing this product, look at other products on the market, and it is best to shop around and then configure it according to your own conditions.
Finally, if you want to know more about this product, take a look at this expert evaluation article:
How about "everyone's Hongfeng old-age security"? Tell you in one article! 》
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