As for whether the pension insurance with enjoyment is reliable, it can be analyzed from the protection content of the pension insurance with enjoyment:
1, insurance rules
The coverage age of pension annuity insurance with enjoyment is between 0 and 59 years old, and people who are close to retirement can also apply.
The payment period is relatively rich, and you can pay in batches or in advance. The maximum payment period can be divided into 20 years, but there are certain restrictions.
For example, the insurance threshold for wholesale distribution is 6,543,800 yuan, and the minimum distribution cost is 2,000 yuan.
It is worth reminding that the pension annuity insurance that you enjoy can be guaranteed for 20 years, which is considered to lock in some income in advance. Part of the loss can be recovered after the unfortunate death of the insured after receiving part of the annuity.
2. Guarantee content
In addition to the basic annuity collection responsibility, the pension annuity insurance with enjoyment has two responsibilities: death insurance and birthday insurance.
As the name implies, after the death of the insured, the insurance company claims a certain amount of insurance money according to the terms.
If the insured dies before receiving the annuity, he will choose the greater of the current policy price and the premium paid for compensation.
The death during the guarantee period is not described above, and the insured will not pay for the death after the guarantee period.
Because annuity insurance is based on people's life span, insurance companies naturally have no corresponding responsibility to ensure the end of the collection period.
As for birthday insurance, it is similar to birthday gift, when the insured reaches a certain age, such as 80 or 90 years old.
It is a blessing to the insured that the insurance company pays the birthday bonus of the corresponding insurance amount according to a certain proportion.
From another perspective, it can be said that it has increased the policy income in disguise and enhanced the protection.
3. Other responsibilities
The other responsibilities of the pension annuity insurance that you enjoy are relatively rich, except the exemption of the insured.
It also supports addition and subtraction insurance, policy loans, and reduced liability, which greatly enhances the protection of policies.
Needless to say, before two responsibility, Dad's previous articles have been introduced.
It is still good for the group with this demand to pay off the back deduction.
On the whole, all the responsibilities of the pension annuity insurance that you enjoy are quite eye-catching, which is an excellent annuity insurance product and more reliable.
That's dad's answer. If you don't know anything, please write privately.