What is the specific performance of this product? Will it hurt to buy it for your own children? Let's get to know it with the seniors!
Before we get to know this new product formally, let's get to know its underwriting company:
"Is Huaxia Insurance reliable? You should know these pits and routines! 》
1. How about Huaxia Fulinmen (children's version 2.0) annuity insurance?
Then the senior will show you the product form diagram first. Let's have a look:
Huaxia Fulinmen (children's version 2.0) annuity insurance is life-long annuity insurance, covering people aged 0-25.
Next, senior students mainly analyze from two aspects: safety responsibility and insurance rules.
1. Analysis of guarantee responsibility
& gt& gt survival insurance
The survival guarantee provided by this Huaxia Fulinmen (Children's Edition 2.0) annuity insurance covers two parts: annuity and birthday bonus.
Starting from the 10 policy anniversary, if the insured is alive, he can get an annuity with a basic insurance amount, and he will be offered an opportunity to receive it once a year. When the insured survives to the first policy anniversary after reaching the age of 60, he can apply for a birthday bonus of 1 10% of the paid premium.
& gt& gt Death/Disability Insurance
If the insured dies unfortunately or is totally disabled during the insurance period, he can get the corresponding compensation of death/disability insurance money. The specific amount is the cash value of the contract or the premium paid after deducting the living allowance, whichever is the greater.
& gt& gt Insurance Exemption Liability
In addition, the coverage of this Huaxia Fulinmen (Children's Edition 2.0) annuity insurance also provides an exemption clause for the insured. Assuming that the applicant and the insured are not the same person, and the applicant unfortunately dies or is completely disabled when he is under 60 years old, there is no need to pay the unpaid premium when the contract is terminated. The guarantee is still valid.
2. Analysis of insurance rules
After showing you the guarantee content of this product, let's take a look at the insurance rules of this product.
This product is essentially a life annuity insurance, which supports people aged 5 days from birth to 5 days from discharge to 25 years old.
And there are many types of premium payment schemes, including wholesale payment, 3-year payment, 5-year payment, 10-year payment, 15-year payment and 20-year payment. Friends can choose a payment scheme according to their own wishes according to the actual situation of their families (of course, the premise is that the selected payment scheme will not bring too much premium pressure to themselves).
In addition, this Huaxia Fulinmen (children's version 2.0) annuity insurance also pays an extra universal account and recommends it to friends in need. After attaching this responsibility, you can enjoy the secondary income brought by the universal account.
Due to the limited space of the article, if you are interested in this Huaxia Fulinmen (children's version 2.0) annuity insurance, you can move to this article:
"Huaxia Fulinmen (children's version 2.0) universal account guaranteed interest rate as high as 3%? Is the income really reliable? 》
2. Is Huaxia Fulinmen (children's version 2.0) annuity insurance suitable for children?
To sum up the full text, the coverage of this Huaxia Fulinmen (children's version 2.0) annuity insurance is still quite high-quality, at least with the exemption clause for the insured, which is still very friendly to the insured. And provide six kinds of premium payment schemes, which are also flexible and worth buying.
However, senior sister wants to remind everyone that it is of course the wish of parents to buy annuity insurance for their children. However, we should know that annuity insurance products cover the nature of financial management, and everyone still puts such products after the security products.
Therefore, if you don't buy basic protection for your child, it is not recommended to insure such products.
Also, parents and friends must protect themselves before buying insurance for their children. This is because parents are the greatest protection for their children.
Of course, if parents and friends have already done the basic protection for their children and have some spare funds to insure a product to plan their children's future education or other expenses, you can also look at this product:
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Write it at the end
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