So is there a pit in this product? Is it worth buying? The following sister will give you an in-depth evaluation!
Click the link below to see the real face of Super Baby Education Annuity Insurance:
"Taiping Life Super Baby Education Annuity Insurance Protection? Is the income high? 》
1. How about Taiping Life Super Baby Education Annuity Insurance?
Before it is too late, let's take a look at the protection map of Taiping Life Super Baby Education Annuity Insurance:
As can be seen from the figure, the insurance age, guarantee period, payment period and payment method of Taiping Life Super Baby Education Annuity Insurance, as well as survival insurance, guarantee payment insurance, expiration insurance and death insurance. After browsing the above contents, Senior Sister will continue to explain the details to you.
1, analysis of insurance conditions
The insurance age of Taiping Life Super Baby Education Annuity Insurance is 0- 13 years old, and the upper limit of insurance age is a little low. After all, the upper age limit of some good education annuity insurance products on the market can reach 15, or even 17.
Secondly, the longest guarantee period is 25 years old, covering all the years of children's college, including postgraduate entrance examination or initial work after college. This guarantee period of Taiping Life Super Baby Education Annuity Insurance is quite reasonable.
Next, let's talk about the payment period and payment method of Taiping Life Super Baby Education Annuity Insurance. Batch payment and monthly payment are set, and the payment period is set to be optional for batch payment, 3 years, 5 years, 10 year. In other words, the more payment terms are added, the more people can be covered.
If you don't know how to choose your own payment period, you can read this article:
"How to choose the payment period so as not to lose money? 》
2. Discuss the content of guarantee.
Compare the survival insurance first. It still exists at the 7th, 6th, 5th and 4th anniversary before the expiration of the contract, and it can pay 8% of the basic insurance amount every year. It can be guaranteed until the age of 25, that is to say, the child can receive this survival fund when he 18-2 1. In fact, 18-2 1 this age is almost the end of senior three and officially entered the university, so this time is also the time to need money. The collection time of this survival fund is also better.
Moreover, if the penultimate policy anniversary date still exists before the expiration of the contract, it belongs to the guarantee payment period from that date (inclusive) to the expiration of the contract. This guarantee is quite satisfactory, and most education annuity insurance in the market has no guarantee period.
Let's analyze the expiration insurance. As long as the insured is still alive at the expiration of the insurance period, the fund can be obtained.
In fact, the sum of the whole survival fund and maturity fund is the basic insurance amount of 100%.
The last thing to understand is death insurance, assuming that the insured dies before 18 years old, so that the insured can get higher premium and cash value; If the insured dies after 18 years old, the amount provided is 0.
Second, is Taiping Life Super Baby Education Annuity Insurance worth starting with?
On the whole, Super Baby Education Annuity Insurance is not worth buying because of its average cost performance and comprehensive protection.
For friends who are looking for more comprehensive and practical insurance, 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
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