If the insured white people don't know much about these two risks, it is suggested to move to this article:
"About the two insurance, the salesman won't tell you! 》
1. What is the performance of Fuduoduo Ruyi Edition?
In order to promote everyone's understanding of the content of product guarantee, senior sister stayed up all night to sort out a guarantee map.
Senior and you say more, directly above:
The security responsibility of Fuduoduo Ruyi version of the old-age security is still relatively simple. Sister Xue specially picked a few key points to take a closer look with friends ~
1, death guarantee responsibility
The setting of the death protection responsibility of the old-age insurance is relatively simple. If the insured dies in the process of protection, the amount of compensation is equal to the premium paid × the proportion of death compensation, or the cash value shall prevail.
The specific choice of which item to pay depends on which item is more valuable when you die.
Senior, let's analyze its death compensation ratio.
The proportion of death compensation provided by Fuduoduo Ruyi version of old-age security is still relatively humanized.
Under the age of 18, pay 100% of the insured amount; The proportion of people who are over 18 years old but under 4 1 year old is160%;
4 1 over one year old 6 1 under one year old140%; 6 1 year-old and above, the compensation ratio is 120%.
The stage when the proportion of death compensation is relatively high is between 18 and 60 years old. As we all know, it is necessary to have a good guarantee at this age when you have to bear the pressure of family responsibilities.
Old-age security, the best version of Fuduoduo, pays at the age of 18-60 with a high proportion of death compensation, and performs well in this respect.
2. Payment of survival insurance money
If the insured has been alive, he can enjoy the survival insurance money paid by the insurance company and the survival insurance money due.
Let's take a look at survival insurance first:
From the fifth year of the insurance contract to the end of the first year before the expiration of the contract, if the insured has been alive, then there can be a corresponding annual premium × the payment ratio of the selected payment period every year.
If the three-year payment ratio is 60%, the five-year/ten-year payment ratio is 100%.
About the expiration of survival insurance:
This guarantee is actually very simple. If the insured is still alive at the expiration of the contract, the basic insurance amount can be regarded as the expired survival insurance money.
In a word, the security responsibility of Fuduoduo Ruyi version of old-age security is still relatively easy to understand ~
It mainly includes the responsibility of death guarantee, survival guarantee and expiration survival guarantee.
If you are interested in this product, you can click this article to learn more:
What is the charm of "Fu Duo Duo Yi Ru Edition Old-age Security"? 》
Second, is the Fuduoduo Ruyi version of the old-age security worth starting with?
Based on the above factors, the performance of Fuduoduo Ruyi version of old-age security is average and the cost performance is not high. However, the proportion of death payment of Fuduoduo Ruyi version of old-age security is relatively close to the people, and the proportion of payment provided in important age groups is quite high.
However, senior sister still has one thing to remind everyone that such double insurance products are more suitable for people with ample economy to buy.
Friends who are looking for more comprehensive, practical and cost-effective insurance, senior sister still suggests comparing other products. Senior sister sorted out a lot of value for money, to ensure a solid whole life insurance. You can choose the best one here:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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