There are also many small partners asking, is it really so cost-effective to enjoy Jinsheng annuity insurance? Is it really worth buying?
Let's introduce it to you by senior sister.
1. What is the coverage of exclusive gold life annuity insurance?
Before it's too late, let's take a look at the protection map of enjoying Jinsheng annuity insurance:
It is not difficult to see from the protection chart of exclusive Jinsheng annuity insurance that the insurance liability of this product includes special survival insurance, survival insurance, expiration survival insurance and death insurance; In addition, rights and interests such as policy loan, automatic prepayment, insurance reduction and exemption have been set up.
In terms of insurance liability, enjoying the golden life annuity insurance is quite satisfactory. As for the insurance conditions and the proportion of compensation, Senior Sister will answer these questions.
1. Analysis of insurance conditions
Enjoy jinsheng annuity insurance and support people born between 28 and 60 years old. The guarantee period can be chosen between 25 and 65 years. There are also four optional payment years, which support 5 years, 10 years, 12 years and 15 years respectively. Seven exemption clauses are stipulated.
Among them, this product is still sufficient in the setting of payment cycle. For the insured with a large budget, you can choose to pay for 5 years; Or the insured with a relatively small budget can choose 10 or 12 and 15 to pay according to their own economic situation.
If your partner doesn't know how to choose the payment term, I believe the following article will definitely help you:
"How to choose the payment period so as not to lose money? 》
2. Analysis of annuity payment ratio
To sum up, there are three kinds of annuities that enjoy Jinsheng annuity insurance, such as special survival insurance, so different annuity configurations have different payment conditions. Next, take the special survival insurance as an example to explain it to you.
The division of special survival insurance money is mainly carried out through the payment period. In addition, the insured must be in a state of survival. The main contents are as follows:
(1) If you choose to pay in five years, you need to meet the requirements of the insurance company to pay 50% of the basic insurance amount from the fifth policy anniversary to the sixth policy anniversary (inclusive).
(2) If the payment period is ten years, the insurance company will pay 50% of the basic insurance amount from the fifth policy anniversary to the 10 policy anniversary (inclusive).
(3) If the payment date is 12, the insurance company will pay 50% of the basic insurance amount from the fifth policy anniversary to 12 policy anniversary (inclusive).
(4) If 15 is selected, 50% of the basic insurance amount paid by the insurance company from the fifth policy anniversary to 15 policy anniversary (inclusive) must be fully met.
So is there a pit in this product? Is it worth buying? Senior sister reveals the secret of enjoying Jinsheng annuity insurance for you, so that you can buy suitable insurance without stepping on the pit:
"Ping An's golden life annuity insurance is worth buying? Tell you in one article! 》
Second, is the premium of Jinsheng Annuity worth buying? Suggest the following two points!
After understanding the guarantee responsibility of enjoying Jinsheng annuity insurance, let's analyze whether this product is worth buying!
1. There are many disclaimers.
Speaking of exemption clauses, some people may not know what it is at all. Let's give you a popular science first.
In fact, the exemption clause refers to the situation that some insurance companies do not need to bear insurance liability; In this case, the fewer exemption clauses, the better.
The exclusive Jinsheng annuity insurance covers seven exemption clauses. Compared with similar annuity insurance products on the market, the corresponding exemption clauses are all three or five, and the number of exemption clauses for this product is also set.
Therefore, from the exemption clause, we can know that you can enjoy the golden life annuity insurance in the next level.
2. Other rights and interests are practical.
When it comes to other rights and interests, some people will think that as long as there are security responsibilities and conditions for compensation, it will be fine, but senior sister would like to mention that if there are other practical rights and interests under the conditions of good basic conditions such as security responsibilities, it will be like adding wings to the tiger! It's like policy loan interest.
Policy loans are mainly suitable for special situations such as urgent need for liquidity. If the insured suddenly encounters an emergency and needs to borrow money, support him to apply for a policy loan from the insurance company by virtue of the policy. You should know that the interest on online loans or loans to banks will be higher.
Generally speaking, premium life insurance is not worth buying because of its low cost performance and insufficient protection.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products.
Finally, the senior prepared a cheat sheet of annuity insurance for everyone:
Learn this trick and stay away from the 99% pit of annuity insurance.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!