The main insurance for Ping 'an freshmen is dividend-paying whole life insurance, which is paid to the critical illness insurance in advance. Tell a joke, is it very similar to the shampoo products introduced in earlier years, so many people confuse the knowledge about shampoo and hair care. Shampoo is alkaline and conditioner is acidic, so they are lucky to combine the two to meet the needs of ordinary people for convenient washing and care.
Get to the point! Is Ping An Xinsheng a good product? Let me tell you, look at the picture below to quickly understand the shape of this product:
After thinking for a long time, I think the advantages are probably like this:
1. Strong brand exposure: China Ping An is, after all, a mobile phone in the insurance industry with high popularity.
But it also has these shortcomings:
1. Incomplete coverage: even mild and moderate diseases are not covered, only serious diseases are covered.
2.*** Coverage: The death and serious illness insurance of this product is covered by * * * *, that is to say, if you get compensation after suffering from a serious illness, then the death protection does not exist.
3. Dividends are uncertain. Dividend? The cash value and dividend value are not fixed, but calculated according to the performance of the insurance company in that year. That is to say, dividends can be paid without dividends, or without dividends, or more or less. No one can say for sure.
4. the premium is expensive. The 30-year-old male is insured for 500,000 yuan, and the annual premium is about 1.4 million yuan. The income is uncertain, so he can buy the protection of heel height with less money.
I won't elaborate on this product one by one. Click on the blue word to view the full version of the analysis: The following is a thoroughly analyzed article, which is recommended for everyone to see:
So the next time you see a similar product, just try to make a detour. Why? After reading this article, you will understand: