Space is limited, if you want to see more angle analysis, you can poke another article by Senior Sister Xue:
"Want to buy a century-old golden jade life pension annuity insurance? Let's talk about it after reading the evaluation! 》
1. What about the centennial golden jade life pension insurance? OK or not?
According to the product form diagram of the centennial Jinyu life pension annuity insurance:
As for the insurance conditions, the centennial golden jade life pension annuity insurance is relatively simple, and it is clear at a glance whether it is the insurance age, the guarantee period, or the time and method of collection. For the guarantee responsibility, the product includes pension annuity and death insurance; In addition, the insured can also enjoy other rights and interests, as well as policy loan rights and interests.
After introducing the basic information of golden jade life pension annuity insurance for a hundred years, I will analyze its advantages and disadvantages with you now.
1, advantages
(1) Pension annuity is guaranteed for 20 years.
Everyone must have thought about it. If there is a case of death shortly after receiving the pension, will the part of the annuity that has not been received in time be completely lost?
Fortunately, the centennial golden jade lifelong pension insurance thought of this.
According to the terms of centennial Jinyu Life Pension Insurance, 20 policy years from the first pension annuity collection date (inclusive) are the guaranteed pension annuity collection period. To put it bluntly, the pension annuity of this product is guaranteed for 20 years.
This fully shows that the insurance company will definitely pay the total amount of the pension annuity from the time it receives it to the expiration of the promised guarantee.
In order to let friends know more deeply, here is an example.
For example, Mr. Wang has set up a century-old golden jade lifelong pension annuity insurance for himself and chose to receive the pension annuity from the age of 60; If Mr. Wang dies at the age of 70, the insurance company will refer to the contract and give the beneficiary the annuity he has not yet received between the ages of 70 and 80.
If you want to compare other products of pension annuity protection, you may wish to know about the pension annuity insurance of Guangming Yisheng Huixuan, and the income is very considerable. For details, please see the following article:
"Bright Life (Hui Xuan Edition)" Pension annuity insurance must be read before buying! Absolutely shocking you! 》
(2) Support policy loans
I believe that friends are interested in buying pension annuity insurance in order to share the pressure of old-age care through insurance money, and the financial management function is definitely the most concerned.
Policy loan rights and interests have a lot to do with the flexibility of financial management. Next, Senior Sister will probably explain it.
After a period of time, the policy will have cash value. With the policy loan right, consumers can apply to the insurance company to lend cash value, which is similar to borrowing money. The amount and repayment period of each loan must comply with the corresponding regulations.
Therefore, this right makes the financial management of pension annuity insurance more flexible and can solve our urgent needs when we need money urgently.
2. Disadvantages: the insurance age range is narrow.
From the age of insurance, we can find that the centennial golden jade lifelong pension annuity insurance supports the following age groups: 28 days after birth to 59 years old.
To be honest, this insurance age range will be relatively small. After all, there are some more humanized products on the market that will be bought for people who are allowed to be 60 or even 64 years old.
With this arrangement, even the elderly who have just retired or retired for a few years have the opportunity to distribute, thus promoting the improvement of their quality of life.
Compared with these products, the centennial golden jade life-long pension insurance does not take into account the needs of this group of people and is not very friendly.
Second, is the centennial golden jade lifelong pension annuity insurance worth insuring?
In a word, the advantage of a century-old golden jade life-long pension insurance is that the pension annuity can guarantee 20 years and support policy loans. Unfortunately, the insurance age range is narrow and the market competitiveness is good, but there are more powerful products on the market. You'd better compare other products before making a decision.
Sister Xue also specially counted ten products for your reference:
"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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