Senior sister will take you to find out.
Before starting the assessment, Senior Sister suggests that you read the basic knowledge of insurance to better understand the following contents:
Before buying insurance, you must first understand these key knowledge points! 》
First, the content of Dongwu Youjinsheng security has gone up and down!
As usual, let's take a look at the security map of Dongwu outstanding Jinsheng:
Just now, we also saw the safety map, and the following senior's evaluation began:
As we know, Soochow's protection for outstanding students includes not only special annuities, ordinary annuity, birthday payments, but also education payments, death insurance benefits, policy loans and other rights and interests.
Wu Dong Zhuoyue Jinsheng's annuity mainly comes from special annuity, ordinary annuity, birthday bonus and education bonus. Education fund refers to the unique annuity of the insured with the insured age of 12 and below. Those who survive on the first policy anniversary after reaching the age of 18, 19, 20, 2 1 meet the compensation requirements of insurance companies.
Seeing this, if there are any friends who want to know more about Soochow's outstanding Jinsheng, then the following article must be read:
How about Dongwu Zhuoyue Jinsheng Annuity Insurance? Can I buy it? The key depends on these points! 》
Second, the rich protection content of Taiping Tian Yue has been revealed!
Let's take a look at the product map of Tianfu in Taiping years directly:
After reading the product drawing, let's evaluate another wave:
Judging from the content of protection, Tianfu's protection content is not much. It arranges the insurance benefits of death or total disability, and also provides other rights and interests such as policy loans, reduction settlement, annuity conversion rights and insurance reduction.
When it comes to annuity conversion rights, most small partners may not understand the role of this right. Senior sister is here to give you a detailed introduction.
What does the annuity conversion right mean? In plain language, the beneficiary of the policy can convert the policy into an annuity insurance contract after consultation with the insurance company.
There are two ways to add wealth to Taiping. One way is to convert all or part of the insurance money into an annuity; The second way is that on the 20th anniversary after the policy takes effect, friends need to apply for cancellation or surrender, or they can convert all or part of the returned cash value into an annuity.
3. What's the difference between the excellent Jinsheng of Soochow and the Taiping Tian Yue rich?
Seeing this, everyone should have a basic understanding of Soochow's excellent Jinsheng and Taiping Tianfu. Next, the senior sister will compare the gap between them.
1. Insurance age
Soochow Excellence Jinsheng Design was born from 28 days to 60 years old. Taiping Yuetianfu only allows people born between 28 days and 70 years old to be insured. In contrast, Soochow Zhuoyue Jinsheng has a slightly narrower range of insurance age.
2. Term of payment
Soochow Zhuo Yue Jinshenghan covers four payment cycles: wholesale payment, 3-year payment, 5-year payment and 10-year payment, while Taiping Years Tianfu supports five options: wholesale payment, 3-year payment, 5-year payment, 10-year payment and 20-year payment.
From the choice of payment period, we can draw the conclusion that the excellent Jinsheng in Dongwu is almost the same as Tianfu in Taiping years.
3. Increase the ratio of the insured amount to the policy bonus.
There is another inconsistency between Soochow Excellence Jinsheng and Taiping Tian Yue House, that is, Soochow Excellence Jinsheng has its own policy bonus; However, the insurance coverage of Taiping Tianyuefu will increase by 3.5% every year, and the longer the life span of the insured, the insurance coverage will increase by 3.5% every year.
However, the insurance coverage in whole life insurance generally increased by 3.5%-3.8%. Therefore, Taiping Tianyuefu's performance in increasing the insured amount is flat.
To sum up, Wu Dong Zhuo Yue Jinsheng and Taiping Tianfu have their own characteristics. When applying for insurance, if you haven't bought affordable insurance, it's no harm to give priority to buying whole life insurance. Conversely, you can also choose annuity insurance first. Generally speaking, everyone will deal with it according to their actual needs.
If you want to insure whole life insurance for your friends, you can refer to this list compiled by your sister:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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