Before we begin, if you are not familiar with Taikang Life Insurance Company, please read this article carefully: Is Taikang Life Insurance Reliable? What about these products?
Not much to say, senior sister first presents the product map of Taikang Win Yue Life Annuity Insurance (dividend-sharing type):
According to the product map, Taikang Win Yue Lifetime Annuity Insurance (dividend-sharing type) is suitable for people born more than 30 days to 62 years old. If everyone's age is not within the above range, then you can't buy this product.
Secondly, Taikang Win Yue Lifetime Annuity Insurance (dividend-paying type) covers the period from 24: 00 on the day when the insured reaches the age of 105, which is also suitable for friends who pursue long-term protection. In addition, when you buy this product, you also have a wealth of payment years to choose from, including wholesale payment (that is, all premiums are paid in one lump sum), 5-year payment, 10 payment, 15 payment and 20-year payment.
If your budget is limited, then seniors suggest that the longer the payment period, the better, such as 20 years. Due to space reasons, there are many tips on how to choose the payment period. Friends in need can poke into this article: How to choose the payment period without losing money?
In terms of security responsibility, Taikang Win Yue Lifetime Annuity Insurance (dividend-paying type) provides a variety of annuity payment sources, including special survival insurance, survival insurance and birthday insurance. In addition, if the insured dies during the insurance period, he can also enjoy the death protection brought by him.
Seeing this, do you think this product is very good? Actually, it is not. Taikang Win Yue Lifetime Annuity Insurance (dividend-paying type) itself also has the right of policy dividend, but the terms clearly stipulate that the policy dividend is uncertain, which means that we may receive dividend every year, or we may not get any dividend. You need to pay attention to this
If you don't believe that the dividend income of Taikang Win-Win Lifetime Annuity Insurance (dividend type) is uncertain, you can open this related evaluation article to see clearly: I heard that Win-Win Lifetime Annuity Insurance (dividend type) has high income? Is that really the case?
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