Friends who don't understand these two risks can read this article first:
"About the two insurance, the salesman won't tell you! 》
1. What are the guarantees for the worry-free old-age security of China Life Insurance?
As usual, let's take a look at the protection content map of this product first:
1, insurance rules
According to the above picture, the insurance age range of this product must be more than 28 days after birth-50 years old, which is really too small.
For the guarantee period, this product has only one guarantee period to choose from, which is actually the effective date of the year when the insured reaches the age of 70.
As far as exemption clauses are concerned, this product provides seven exemption clauses. To be clear, there are many products of the same type on the market with only three or five exemption clauses.
Relatively speaking, the old-age security, the love of national life and worry-free, are ordinary in terms of exemption clauses.
China Life Insurance has a short payment period and only supports delivery. Among them, futures exchanges are divided into two types, namely 10-year exchanges and 20-year exchanges.
There are not many options for this payment period. When choosing the payment period, you should refer to your own situation.
Friends who don't know how to choose the payment period can look at this dry goods:
"How to choose the payment period so as not to lose money? 》
2. Guarantee content
As can be seen from the above security map, the old-age security, a country with life and love, has two kinds of security: death insurance and expiration insurance.
If the insured is still alive on the effective date of the year when the insurance period expires, the insurance company will let the insured get the due insurance money as agreed.
The payment of this maturity insurance premium is linked to our insurance age and payment period.
It means that our age is different when we were established, and the payment period is also different, so the proportion of payment in the due insurance money is also different.
From the table, it can be found that whether you choose 10 or 20 years of payment period, the corresponding proportion is increasing with the increase of insurance age.
Once we suddenly die during the guarantee period, in this case, the insurance company will compensate the corresponding death insurance money as agreed.
The payment of death insurance benefits also stipulates several situations, which should be clearly understood when insuring.
3. Conversion of annuity rights and interests
Simply speaking, the meaning of annuity equity conversion is that beneficiaries can choose to receive death insurance or maturity insurance in one lump sum according to their own needs, and they can also convert all or part of death insurance or maturity insurance into annuities according to their own conditions.
If it is converted into an annuity, the annuity conversion amount shall be determined according to the annuity collection standard paid by the insurance company at that time, and the converted death insurance premium or maturity insurance premium shall not be lower than the minimum amount stipulated by the insurance company at that time.
If you want to know more about this product, you can look at the evaluation article of the expert version:
"Do you want to start from China Life Insurance, and have a carefree old-age security for love? After reading these, decide! 》
2. Does endowment insurance recommend China Life Insurance?
After discussing the above contents, senior sister believes that everyone is very familiar with this double insurance product.
Generally speaking, the age range of old-age insurance is not wide, the choice of payment period is limited, there are many exemption clauses, and the protection provided is not very rich.
Furthermore, when we start with the old-age security, we can choose to pay special disease insurance in advance by adding China Life Insurance.
Generally speaking, the performance of endowment insurance is not very good and needs to be strengthened. If you want to buy two copies of all risks recently, Senior Sister suggests that you compare other popular products of the same type on the market.
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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