Today, Senior Sister will take a look at Hengying Zhencheng Annuity Insurance with everyone to see if it is really so excellent.
Before entering the evaluation, please accept this annuity insurance pit avoidance guide:
Learn this trick and stay away from the 99% pit of annuity insurance.
First of all, unveil the mystery of winning the annuity insurance.
As before, the seniors will first show you the protection map of Hengying's annuity insurance:
As can be seen from the figure, if a person is born from 30 days to 65 years old (inclusive), he can enjoy annuity insurance from the beginning of Heng Win. When purchasing, consumers can choose to guarantee 15 or 20 years according to their own needs, and they can choose to pay for 3 or 5 years.
During the insurance period, Hengying Xiangzhen Annuity Insurance will provide survival guarantee for the insured according to the agreed conditions, and also include death/permanent total disability protection. If the insured is always alive at the expiration of the insurance period, the insured can apply to Hengying for full-term insurance.
Finally, in terms of other rights and interests, permanent win-win annuity insurance includes policy loans, insurance deductions and other rights and interests.
Xue Jie would like to introduce the product form of Hengying Annuity Insurance to you first.
Due to space reasons, Senior Sister has put more detailed information about permanent win annuity insurance here, so you can take it away by yourself:
"Win-win enjoy annuity insurance protection? You must pay attention to these small details! 》
Second, what is the performance of the annuity insurance of Hengying?
After multi-angle analysis, senior sister found out the advantages and disadvantages of enjoying annuity insurance.
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One of the highlights of Hengying's annuity insurance is the provision of total disability protection.
From the perspective of annuity insurance products, the focus of protection is different from pure protection insurance. The former is mainly inclined to pay annuity, but the current personal security setting may not be comprehensive.
This is why the personal protection of most annuity insurance products on the market is not comprehensive enough, and most of them only provide death protection.
In addition to death protection, Hengying Zhencheng Annuity Insurance can also provide protection for permanent total disability. If the insured is out of danger due to the corresponding situation and meets the claim conditions, then he can get the corresponding compensation, which is quite commendable.
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1, survival money starts late.
Hengyingzhen enjoys the survival money of annuity insurance, and only after 1 1 the effective date of the policy contract year can she be eligible to receive the survival money, that is to say, it will take almost 10 years to receive the survival money after successful insurance.
To put it bluntly, the starting time of Hengyingzhen's annuity insurance and survival fund is not so satisfactory. If consumers plan to choose the version of Bao 15, they can only get a five-year survival fund.
Many products of the same type on the market have a good starting time for receiving the annuity, and basically they can get the annuity from the fifth or seventh year of the policy.
In contrast, the advantages of Heng Win in enjoying annuity insurance are not obvious.
2. Batch delivery is not supported.
Hengyingzhen's annuity insurance has only two payment periods: three years and five years, and there are no other payment periods.
The emphasis is on wholesale payment. Hengying xiangzhen annuity insurance does not cover the payment method of wholesale payment, so it cannot meet the payment needs of specific groups, such as those who have considerable income but have certain fluctuations and want to plan their cash flow through wholesale payment.
3. The probability of receiving due payment may not be high.
Why is it a small probability event to receive the full insurance premium and enjoy annuity insurance? This is because, compared with many similar products, the guarantee period of permanent win annuity insurance is a bit long.
According to the insurance analysis of the due return guarantee, the probability that the insured will get the due insurance money is lower than that of the products with short guarantee period.
The biggest reason is that the prerequisite for the settlement of the expired insurance premium is that the insured survives until the insurance expires. If the guarantee period is too long, the probability of the insured getting the full-time insurance money is estimated to be low.
Third, the summary of the senior sister
According to the above analysis, do you have a deeper understanding of the annuity insurance of Heng Win?
The outstanding feature of Hengying's annuity insurance is that it has total disability protection. However, there are also some shortcomings, such as the late start of survival payment, no wholesale payment, and low probability of receiving full payment.
On the whole, Heng Ying Zhen enjoys annuity insurance with average cost performance and insufficient protection, which is not worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister arranged a lot of value-for-money and solid annuity insurance. You can choose the best one here:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
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