The following sister will give you an in-depth evaluation! This article can help you get familiar with happiness, wealth and happiness (dividends) in advance. If you don't know, let's take a look:
"Happiness and wealth, Xin Xi old-age security (dividend-sharing) comprehensive evaluation, the original income reached this number ..."
1. What is the performance of happiness, wealth and New Year insurance (dividend-sharing type)?
Next, senior three students need not say more. As usual, let's take a look at the protection map of happiness, wealth and happiness (dividends):
From the information in the above figure, it can be analyzed that the protection of Fucai Xinxi Total Insurance (dividend type) is expiration insurance and death insurance, and other rights include policy loans.
To sum up, senior feels that these places are doing well:
1. The initial investment threshold is low.
The minimum initial investment allowed for Happiness, Wealth and Xinxi All Insurance (dividend type) is 1 1,000 yuan, and the insured amount is an integer multiple of 1 1,000 yuan. The set initial investment has taken care of the needs of many people!
Compared with other similar products on the market, the initial investment of 1 1,000 yuan is relatively low, which can take care of many people with tight funds and reduce the payment pressure.
2. The insurance age range is wide.
The insurance age for happiness, wealth and happiness (dividend type) is limited to 30 days to 70 years after birth, which is not so harsh and can better meet the investment needs of different groups of people.
It is very feasible whether parents consider buying short-term savings for their children or the elderly consider making short-term investments in their pensions.
However, it should be noted that although there are advantages in happiness, wealth and happiness (dividend type), friends who want to insure must be clear about this before buying:
No guarantee of policy bonus
However, senior sister wants to remind everyone that happiness, wealth and happiness (dividend-paying) as dividend-paying insurance do not guarantee policy dividends!
That is to say, whether there was a policy dividend at that time, how much was variable: maybe in this case, the insurance company will give you a considerable dividend, but the amount given to consumers by the corresponding insurance company is zero, which is very possible.
To tell the truth, it is really not easy to buy a good dividend insurance! To know what needs our time and attention, please refer to the following:
"Why is the complaint about dividend insurance so high? Unveil the mystery of dividend insurance. "
Second, is the value of happiness, wealth and happiness (dividend type) worth insuring?
After the above detailed analysis, it can be seen that I believe everyone has a general understanding of the basic situation of happiness, wealth and happiness (dividend-sharing type). As for whether the product purchase is cost-effective, it is still judged according to your real needs.
If you plan to buy a product that can get a higher return in a short time, then you should see whether the benefits of happiness, wealth and happiness (dividend-sharing type) can meet your requirements.
For example, when a 30-year-old male considers purchasing this happiness wealth Xinxi All-insurance (dividend-sharing type), the amount of premium to be paid is 654.38+10,000 yuan, and the corresponding institutional insurance amount is 1 12490 yuan. Its specific income is as follows:
As can be seen from the figure, after five years, the guarantee expires. If the man is still alive, he can get the due insurance money 1 12490 yuan, and the profit after deducting the premium is 12490 yuan. At this time, the internal rate of return is 2.98%.
For some similar insurance products on the market, the internal rate of return of normal products is generally around 3.0%, and even the internal rate of return of good products is above 3.5%.
On the whole, the cost performance ratio of Happiness, Wealth and Xinxi All Insurance (dividend-sharing type) is not very high, and the benefits and guarantees are relatively average, so it is not worth buying.
For friends who are looking for insurance with more comprehensive protection, more objective income and more practicality, 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! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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