Next, the senior sister will take you to see whether this dividend-paying old-age security is good or not and whether it is suitable for our configuration.
Before starting the text, you can read this article and learn about the dividend-paying endowment assurance system in the market:
"Old-age security dividend ranking" is freshly released! Is there anything you like? 》
1. Overview of Sheng Yuan endowment insurance (dividend-sharing) products
First, I will show you the product evaluation chart:
1.
Sheng Yuan endowment insurance (dividend type) has maturity insurance and death insurance. This guarantee content is actually relatively basic, and there are not many bright spots.
The reason is that some endowment assurance products in the market not only have expiration insurance and death insurance, but also have various protections such as total disability insurance, survival insurance or accidental death/total disability insurance.
In this case, if there are other safety requirements, I don't think this product can satisfy everyone.
2. Only barge can be selected.
In some insurance evaluations before, my senior asked everyone to choose a longer payment period as far as possible, because the longer the payment period is chosen, the lower the temporary economic pressure will be.
Moreover, if the product has exemption protection, it is more likely that a longer payment period will trigger exemption.
But unfortunately, this kind of old-age security only allows wholesale payment. In other words, consumers can only pay all the premiums when they are insured, which makes consumers' choices very narrow.
3. The insurance age is quite satisfactory.
In terms of insurance age, Sheng Yuan endowment insurance (dividend type) supports people born between 28 days and 70 years old. This age range is not very narrow, but it does not mean that all two types of insurance are the widest.
According to the survey of senior sisters, the upper limit of the underwriting age of the two all-insurance products on sale today is mostly 65 years old. There are also some products with an upper age limit of 75, which can cover a particularly wide range of people.
Therefore, comparatively speaking, the insurance age of Sheng Yuan endowment insurance (dividend-sharing type) is very common.
The above are the guarantee contents and insurance conditions of Sheng Yuan endowment insurance (dividend-sharing type). Friends who are interested in this endowment assurance product can also read this article to learn more:
Is Ying Da Life Insurance, Sheng Yuan and endowment assurance (dividend type) worth insuring? Look before you buy it! 》
2 Sheng Yuan old-age insurance (dividend) matters needing attention.
1. There are seven exemption clauses.
As we all know, the exemption clause is actually an explanation for insurance companies not to pay claims.
Therefore, in addition to understanding the contents of insurance, we should also analyze the exemption clauses of the contract in detail to avoid unpleasant disputes in the later settlement due to negligence in the early stage.
In addition, if there are not many exemption clauses for a product, it is more intimate for consumers. After all, the less exemption clauses are required, the greater the probability of getting claims ~
Sheng Yuan's old-age security (dividend-sharing) has seven exemption clauses, which is actually a relatively large number, because some endowment assurance products on the market only have three exemption clauses.
2. The policy dividend is not guaranteed.
From the product name, we can know that Sheng Yuan endowment insurance is actually a kind of dividend insurance.
The so-called dividend insurance is actually an insurance that the insurance company gives the distributable surplus of this kind of dividend insurance in the previous fiscal year to customers in the form of dividends according to a certain proportion after the end of each fiscal year.
However, the dividend of dividend insurance requires the insurance company to determine the actual operation of dividend insurance business in each fiscal year, which can also be understood as the policy dividend may be 0 in some years.
This is actually one of the characteristics of dividend insurance, so the general insurance company will not write the guaranteed interest rate of dividend insurance into the contract, and the dividend income is not so certain. Everyone must know this ~
In a word, the content of Sheng Yuan's old-age security (dividend-paying) is relatively basic, and there are not many payment years to choose, so the insurance age is up to standard. In addition, it contains a large number of exemption clauses, and the nature of dividend insurance also determines the uncertainty of its policy dividend.
Therefore, if you have other security needs, or need to pay the premium in installments, Senior Sister suggests that you look at other endowment assurance products on the market. If you want to insure this product, be sure to read the disclaimer carefully and be prepared not to get dividends in some years ~ If you want to know more about dividend insurance, you can read this article:
Dividend insurance that the salesperson won't tell you.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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