The topic should be about He Zhongxinxi Life Annuity Insurance under He Zhong Life Insurance. Next, the senior sister will give a good evaluation of this product. Before we start, Senior Sister will give you a guide to prevent the annuity insurance pit: Learn this trick and stay away from the 99% pit of annuity insurance.

Before the evaluation, let's take a look at the protection map of this product:

Below, the senior chooses a few points to evaluate the content of this product for everyone.

1, insurance age

The insured age of this product ranges from 28 days after birth to 65 years old. In other words, the maximum insurance age is 65. Compared with similar products with the highest insured amount of 70 years on the market, the upper limit of insured age is not very high, and it is not very friendly to some elderly people.

2. In terms of exemption clauses

Generally speaking, under the same conditions, the fewer exemption clauses, the better for everyone. There are seven exemption clauses. Compared with those products of the same type with only three exemption clauses on the market, the number of exemption clauses is a bit large, which undoubtedly raises the threshold for the insured to claim compensation.

So, what should we pay attention to when reading the exemption clause? Let's see what the experts say: what is the exemption clause of insurance and what do you think? If you don't understand, you will suffer a big loss!

3. Safety content.

The protection of this product includes special survival insurance, survival insurance, expiration insurance and death insurance. It can be seen that its guarantee content is still quite rich.

However, it does not include total disability protection. You know, total disability is also a very unfortunate thing, and it will also cause serious family financial burden.

Therefore, compared with similar products on the market that also contain total disability protection, its protection content is not comprehensive enough.

On the whole, although its guarantee content is rich. However, the upper age limit for insurance is not very high, and there are many exemption clauses. Moreover, it does not include total disability protection, and the content of protection is not very comprehensive.

Therefore, senior sister suggested that you can look at other products more, and it would be better to insure according to your own protection needs after purchasing the goods.

Finally, seniors compiled a list of high-yield annuity insurance for everyone. Friends in need can have a look: Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again!

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