The following sister will give you an in-depth evaluation! The following article can help you get familiar with annuity insurance in advance. If you don't know, let's take a look:
Learn this trick and stay away from the 99% pit of annuity insurance.
First, the contents of Zhihui Cai Ying Children's Education Annuity Insurance (dividend-sharing) are revealed!
Firstly, the protection essence diagram is presented:
According to the picture, it is not difficult to know that the coverage of Zhihui Cai Ying Children's Education Annuity Insurance (dividend-sharing type) can be said to be relatively comprehensive. Another thing is that this product contains many places worth talking about. Today, Senior Sister carefully analyzed the insurance rules and contents.
1, analysis of insurance rules
The insured age range of Zhihui Cai Ying Children's Education Annuity Insurance (dividend type) is 28 days after birth-10 year old. As a special education annuity insurance product for children, this insurance age range can be said to be relatively wide.
With regard to the guarantee period, Zhihui Cai Ying Children's Education Annuity Insurance (dividend-sharing type) also embodies the characteristics of Children's Education Annuity Insurance, which only guarantees the insured to be 25 years old.
Moreover, during the insurance period of Zhihui Cai Ying Children's Education Annuity Insurance (dividend type), the optional payment period is also relatively rich, not only in the form of wholesale payment, but also in 3/5/ 10 years.
2. Security content analysis
The main function of Zhihui Cai Ying Children's Education Annuity Insurance (dividend type) is to provide financial support for children's future studies, which can also be seen from the content of protection.
The protection content of this product includes: high school education fund, university education fund, further education fund, maturity insurance fund and death/disability insurance fund.
From the first policy anniversary after the insured reaches the age of 15, if he has not died at 0: 00 on each policy anniversary, he can get a certain annuity every year until the protection period expires or he dies/is completely disabled.
If the insured survives until the expiration of the guarantee period, the insurance company will also pay 200% of the basic insurance amount as the expiration insurance money. If death/disability occurs during the protection period, the insurance company will pay the death/disability insurance premium according to the higher of the premium paid and the cash value.
Generally speaking, the coverage of Zhihui Cai Ying Children's Education Annuity Insurance (dividend-sharing type) is relatively perfect, which can increase certain economic security for children at all stages of learning.
Let's stop here for the basic situation of Zhihui Cai Ying Children's Education Annuity Insurance (dividend type). If you want to know more about this product, you can click the link below.
"Look before you buy! Pay attention to the details of Ying Da Zhihui Cai Ying Children's Education Annuity Insurance (dividend type)
2. What should I pay attention to when I apply for Zhihui Cai Ying Education Annuity Insurance (dividend-sharing type)?
Zhihui Cai Ying Children's Education Annuity Insurance (dividend type) also allows the insured to get dividends from the policy. However, it is important to note that the amount of this dividend is uncertain.
Policy dividend can be said to be distributable surplus, which is closely related to the operating conditions of the company's dividend insurance business. If the business situation is relatively good, then the insured can naturally get the corresponding dividends. However, if the operating conditions fail to meet expectations, the insured may not receive dividends.
On the whole, Zhihui Cai Ying Children's Education Annuity Insurance (dividend-paying) has a relatively high cost performance. Not only is the coverage comprehensive, but the age range of insurance is also wide, and the payment period is also rich. Therefore, if it meets the needs of the insured, it is worth buying.
Of course, in addition to the cost-effective Zhihui Cai Ying Children's Education Annuity Insurance (dividend-paying), here is an education annuity insurance for everyone, which is worth buying. Friends in need can refer to:
"The latest! The eight education funds with the highest rate of return in 2022 have been selected ~ "
Write it at the end
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