It is said that this product has many advantages. Senior sister will arrange evaluation for everyone!
Dear friends, you should know that annuity insurance is different from simple insurance. If you are afraid of buying the wrong one, let's take a look:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. What is the coverage of Jin Yanbao's annuity insurance?
Still the same rules as before, let's first study the outline drawing of the product:
From the morphological diagram, we can find that Jin Yanbao's annuity insurance is quite detailed in the protection content. Now, senior sister, let's choose a few key points to explain to you ~
1, early annuity collection
Jin Yanbao annuity insurance can receive the annuity from the fifth policy date, and the collection time is relatively early.
For example, products that receive annuities earlier, such as Jin Yanbao Annuity Insurance, can be preferred by people with short-term capital needs.
For example, children who are ready to study can be insured. If the insured receives a fixed annuity every year from the fifth year, the annuity obtained can be used as the educational expenses of the children or the daily living expenses of the children.
Moreover, Jin Yanbao Annuity Insurance is a lifelong product. After the collection date, you can receive an annuity every year, and you can provide financial help to your child at all stages of his life.
After the age of 2.60, the annuity doubled.
Jinyanbao annuity insurance can not only receive the annuity earlier, but also has high fund flexibility. This product also covers the role of pension savings.
With our living conditions getting better and better, medical technology is also improving day by day, and our life expectancy will gradually increase in the future.
Jin Yanbao's annuity insurance shows that if the insured reaches the age of 60, the annual annuity accounts for 60% of the basic insurance amount, almost twice the annual insurance amount of 30% before the age of 60.
Doubled annuities are generally used to supplement pensions and improve the quality of old-age care.
3. Consider total disability protection.
Jin Yanbao annuity insurance covers not only the death protection of the insured, but also the total disability protection, and the compensation ratio of the two is the same.
What needs to be understood is that most annuity insurance products sold in the market now only include death protection, but do not cover total disability protection.
You know, sometimes the loss caused by total disability is greater than the loss caused by death. ...
If the insured is unfortunately completely disabled, it not only means losing the ability to work, but also means losing economic income. He also needs a nurse to take care of him. These expenses are so big that he may have to pay them all his life. ...
Therefore, if Jin Yanbao's annuity insurance includes total disability protection, it is not only more comprehensive, but also more humanized.
Of course, it is more important to know the income of this annuity insurance called Jin Yanbao.
Because of the limited space, the following is a detailed introduction to the income calculation of Jin Yanbao annuity insurance. If you are interested, you can read this article:
"National treasure life Jin Yanbao annuity insurance is attractive? Get out of here! /Really? 》
Second, is Jin Yanbao annuity insurance worth starting with?
For Jin Yanbao's annuity insurance, its protection content is still very good. Different stages lead to different proportions of annuities, which can be used for planning education, marriage and pension, with high flexibility ~
However, the income of this product is not very good. Senior sister thinks we can learn more about other insurance products on the market and make more comparisons.
Here, senior sister has brought some high-yield products to everyone. You can click here to find out:
"Top Ten Financial Insurance Rankings ▏ Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
Write it at the end
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