How about Bohai Life Insurance? Is the product worth buying? The answers are all in this article!
Seniors tell everyone that it is basically reliable to buy the excellent old-age security (dividend-paying) through palm interest or other legal channels!
Bohai Life Premium endowment assurance (dividend type) mainly provides death protection, including death protection and expiration protection. You can take a look at its protection map first:
Through the protection map, I believe you can also find that the protection of this product is relatively simple, which is the common protection of two all-insurance products.
And as far as Senior Sister knows, some endowment assurance products on the market will provide total disability protection on this basis, which shows that the protection of this product needs to be improved.
In addition, it should be noted that endowment assurance products, such as the new worry-free old-age security (dividend-sharing), do not guarantee the health of the insured. Simply put, if the insured is unfortunately suffering from a major illness, this product does not assume the responsibility of paying insurance money!
Therefore, if you want to insure this product, Senior Sister suggests that you should provide yourself with sufficient insurance coverage first.
I don't know what insurance is available. Senior sister has prepared relevant popular science texts for everyone:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims?
In fact, Xin Worry-Free Old-age Security (dividend-paying) is a dividend-paying endowment assurance. If you insure this product, you will have the opportunity to participate in the dividend insurance business of insurance companies. But whether the policy dividend is guaranteed or not, we need to consider this clearly.
Moreover, the warranty period of this product is 5 years and the warranty period is short. Compared with endowment assurance products with a longer guarantee period, the insured has a higher probability of getting full insurance premium.
To sum up, the function of Xin's worry-free old-age security (dividend-sharing type) is more inclined to financial management and savings, so you should see it clearly before taking out insurance!
Finally, Senior Sister has prepared two full-insurance popular science articles for everyone. Interested friends may wish to have a look:
The salesman won't tell you about the double insurance policy!
Hope to adopt
The same number on the whole network: Xueba said insurance, welcome to search.