Next, the senior sister will introduce you to the safe golden life annuity insurance. For those who don't know much about China Ping An Life Insurance Company of China Insurance Company, you can read this introductory article first: What is China Ping An Life Insurance Company of China Insurance Company like? What products are there? Which ones are good? What problems are worthy of in-depth analysis?
Let's take a look at the protection map of this product first:
Ping An enjoys Jinsheng Annuity Insurance, and supports people born between 28 days and 60 years old. The guarantee period can be 25 years or the 65th anniversary of the policy. There are seven exemption clauses.
In terms of payment method, this product does not support wholesale payment, and the future payment option is 5/112/15. If a friend doesn't know how to choose the appropriate payment period, you can read this article: How to choose the payment period so as not to lose money?
In terms of protection content, Ping An's exclusive Jinsheng annuity insurance includes survival insurance, special survival insurance, expiration survival insurance and death insurance, as well as the policy interest of the policy loan and the premium paid automatically.
From the fifth policy anniversary of the contract to the previous policy anniversary (inclusive), if the insured is still alive and eligible on the annual policy anniversary, the insurance company will pay 50% of the basic insurance amount as survival insurance money.
The payment of special survival insurance is related to the selected payment period. See the picture above for details.
If the insured survives until the expiration of the insurance period and meets the conditions, he can get the premium compensation paid as the expired survival insurance money.
If the insured dies unfortunately within the guarantee period and meets the requirements, the greater value of the two will be paid: the premium paid minus the generated survival insurance premium and special survival insurance premium, and the contract cash value at the time of death.
Generally speaking, Ping An's performance in enjoying Jinsheng annuity insurance is not bad, with rich coverage and practical policy rights. But it has a large number of exemption clauses, which protect the dead rather than the disabled.
Due to the limited space, I want to know more about the evaluation content of Ping An exclusive Jinsheng annuity insurance, so I can read this article: Is Ping An exclusive Jinsheng annuity insurance worth buying? Tell you in one article!
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