Today, Senior Sister will evaluate this product for parents to see if it is suitable for purchase!
If you want to know the evaluation results quickly, don't miss this article:
Want to insure Hengan Standard Zhiying Future Education Pension Insurance? I feel after reading the article! 》
First, Hengan Standard Zhiying Future Education Gold Annuity Insurance Guarantee is open!
Before the evaluation, Senior Sister will take you to have a preliminary understanding of the protection map of this product:
From the above figure, we can easily find that the coverage of Zhiying future education annuity insurance is relatively insufficient, including university education funds and so on. The maximum is only for the insured aged 25 or 30. The above is just the protection map roughly described by senior sister. Let's take a closer look:
1, flexible payment method
Zhiying Future Education Annuity Insurance provides four payment methods: wholesale payment, 3-year payment, 5-year payment and 10-year payment. Compared with similar products, which only provide three or five years of payment, the payment methods of this product are quite rich. If you have good financial conditions, you'd better pay the premium once, and then you don't have to pay the premium. If the budget is relatively general in the short term, but the income is relatively stable, then you can also choose to extend the payment period or pay in the form of annual payment to ease the pressure of annual payment. The payment method of this product is particularly convenient. You can choose the payment method according to your actual needs.
2. The education fund and maturity fund are special.
Through the analysis of the security map, we can know that consumers can get college education, further studies and expiration insurance from this product. University education grants and continuing education grants can provide the best financial support when children receive higher education; After the children leave the campus, when the children have needs, the maturity insurance money can be used for venture capital, living allowance, wedding money or down payment for buying a car or a house. Adopting the method of earmarking funds can not only provide basic guarantee for children to complete their studies, but also ensure children to enter a brand-new curriculum after entering the society.
If you want to know what you need to pay attention to before buying annuity insurance, please read this article:
"Annuity insurance? Is there anything to pay attention to? Do you have any good products? 》
Second, do experts suggest buying Hengan standard Zhiying future education annuity insurance?
1, the insurance age is narrow.
Zhiying Future Education Annuity Insurance gives 0 to 12 minors the opportunity to insure. Compared with the education annuity insurance, the age 17 is set as the highest insurance age. The upper limit of the insurance age of this product is relatively small, and this product is not so good in the insurance age range.
2, don't save the disabled
Senior sister read the contents of the guarantee and found that this product can not enjoy total disability insurance. For example, Xiao Liu bought this product and had a car accident, resulting in a level 10 disability. If he is not old enough to receive insurance money, then all the expenses incurred by treatment and rehabilitation will be borne by Xiao Liu alone, and the insurance company will not make any compensation for the total disability. There are many annuity insurance on the market that can guarantee total disability. Generally speaking, this product is not perfect in coverage.
3. Article 7 of the exemption clause
In fact, the meaning of exemption clause refers to the content of insurance company's exclusion protection. In fact, the insurance company will not bear this responsibility if the circumstances stipulated in the exemption clause appear. Generally speaking, the fewer exemption clauses, the better for us. However, the number of exemption clauses of Zhiying Future Education Annuity Insurance covers a series of situations such as nuclear pollution, drunk driving and suicide. But there are also about three exemption clauses for education annuity insurance. In contrast, this product has many exemptions.
In short, Zhiying Future Education Annuity Insurance is worth mentioning. Although it has the characteristics of flexible payment methods, it needs everyone's attention, that is, the age span is small, it does not provide total disability protection, and there are many exemption clauses. From a professional point of view, Senior Sister advises friends to compare several education annuity insurances before insuring products suitable for their children.
If parents don't know what annuity insurance is worth buying for their children, you can look at these 10:
"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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