So what is its guarantee? Is it worth buying?
Senior, let me take you to know.
However, before that, senior sister suggests that you first know about the related contents of the two-insurance policy:
"About the two insurance, the salesman won't tell you! 》
First, Haiyiying old-age security (dividend-sharing) has a great responsibility!
As usual, let's take a look at the essence of Haiyiying's old-age security (dividend-sharing):
As shown in the figure, the security content of Haiyiying old-age security (dividend-sharing type) is the same as that of many endowment assurance in the market, and it will not be very complicated:
1, death insurance
The death insurance premium insured by Haiyiying Old-age Security (dividend type) shall be paid according to the greater of the following two: the paid premium multiplied by the corresponding payment ratio and cash value.
Death insurance benefits provide different payment ratios according to different ages. In fact, during the period of 465,438+0-60 years old, most people are still the pillars of their families.
Generally speaking, excellent insurance products can often provide greater protection for this group of people.
The age set by Haiyiying Old-age Security (dividend-sharing type) is 18-40 years old. Looking at this product again, the protection at the critical stage of 4 1-60 years old is obviously weakened. This payment ratio setting is not very reasonable.
2. Overdue insurance premium
Haiyiying old-age security (dividend-sharing type) has not made much innovation in the design of expiration insurance. Even if the insured is still alive after the expiration of the guarantee period, the insurance company will only pay the basic insurance amount. Relatively speaking, Haiyiying old-age security (dividend-sharing type) has no advantage in this respect.
3. Exemption clause
The biggest advantage of Haiyiying old-age security (dividend-sharing type) is that there are only three exemption clauses, which are simply too few.
Little friends need to know that the fewer exemption clauses, the better. If there are fewer exemption clauses, the scope of protection will be larger and it will be easier to get claims.
The main reason is that if the accident happens in the same way as the exemption clause, the insurance company will not settle the claim.
However, there are usually five or seven exemption clauses for two kinds of all risks in the market. After comparison, you will find that this product is very intimate in this respect.
Although the performance of Haiyiying old-age security (dividend-sharing type) is not very outstanding, there are other aspects of this product that deserve more attention. Anxious friends can collect this article first:
These details of Haibao Life Insurance Haiyiying Old-age Security (dividend type) should be known before insurance! 》
2. Is Haiyiying old-age security (dividend-sharing type) worth buying? The answer is here!
As for whether this product is worth our insurance, you can continue reading and make your own decision!
1, long waiting period
The shorter the waiting period, the sooner the insured can enjoy the product guarantee. Haiyiying old-age security (dividend-sharing type) has reached 180 days, which is not the best level in the market.
Many products with a waiting period of 90 days on the market are slightly inferior to the old-age security (dividend-paying).
2. Lack of comprehensive disability protection
Most endowment assurance products on the market have death insurance, total disability insurance and expiration insurance.
However, Haiyiying old-age security (dividend-sharing type) only provides us with two kinds of security: expiration insurance and death insurance. The insured has no complete disability protection. Assuming that the insured is totally disabled due to some accident, the insurance company will not compensate, which means that the insured needs to spend the treatment expenses during this period.
Other similar total disability protection products can pay insurance money to the insured and reduce the economic burden of the insured.
On the whole, the coverage of Haiyiying old-age security (dividend-sharing type) is not very comprehensive, and there is no total disability protection. Moreover, the setting of the compensation intensity of death insurance is not particularly reasonable. Generally speaking, the cost performance is not very high, and it is not an excellent double insurance product.
Senior sister suggests that you make a number of comparisons before taking out insurance, and then choose according to your actual needs! You may wish to refer to this list compiled by your senior sister:
"Old-age security dividend ranking" is freshly released! Is there anything you like? 》
Write it at the end
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