Before the beginning of the text, Senior Sister presented a guide to annuity insurance, please remember to collect it ~
Learn this trick and stay away from the 99% pit of annuity insurance.
1. What are the contents of Taikang Win Yue Life Annuity Insurance Product Plan (Exclusive Edition)?
In order to help you understand this Taikang Win-Win Lifetime Annuity Insurance Product Plan (exclusive version), Senior Sister has specially prepared the safeguard map of this product plan.
You can have a look first:
Give everyone a detailed introduction ~
1. The main insurance is annuity insurance-providing survival money and death protection.
The core product of this Taikang Win-Win Lifetime Annuity Insurance Product Plan (exclusive edition) is Taikang Win-Win Lifetime Annuity Insurance, which enables the insured to enjoy survival money and death protection.
Senior here mainly talks about survival money. This product provides a variety of survival benefits, covering the following categories: special insurance benefits, survival insurance benefits, birthday insurance benefits and education care insurance benefits.
& gt& gt Special insurance premium
If the insured is still alive on the corresponding dates when the sixth, seventh and eighth policy years of the contract come into effect, he can receive a special insurance premium every year-a certain percentage of the annual premium.
Choosing different payment years will lead to great differences in the proportion of special survival funds. The proportion of special survival fund for wholesale users is 5%, that for users who have paid for more than five years is 25%, and that for users who have paid more than 10 and 10 is 50%.
& gt& gt survival insurance
From the ninth policy year of the contract to the effective date of the first contract year after the insured reaches the age of 105, it is the stage of receiving survival insurance money. If the insured is still alive on the effective date of each contract year during this period, he can get a survival insurance money.
After reaching the age of 60, the survival insurance premium before the effective date of the first contract year is 20% of the basic insurance premium, and then 40% of the basic insurance premium can be obtained.
& gt& gt Birthday Insurance and Education Care Fund
If the insured is still alive on the effective date of the first contract year after reaching the age of 70-79, he can receive a birthday insurance premium every year-65438+00% of the total premium paid.
When the insured purchases the product, the age of the insured is less than or equal to 10, and he can get the education care fund.
After reaching the age of 18, 19, 20, 2 1 1, you can receive 20% of the basic insurance amount of the Education Care Fund on the effective date of the first contract year. At this time, children who are studying in universities can use this money as tuition or living allowance, which can be said to be very good.
2. Additional insurance is universal insurance-providing income.
The additional risk of this Taikang Win Yue life annuity insurance product plan (exclusive version) is a universal insurance-Taikang Xin account whole life insurance (universal type), and its universal account can bring more benefits to the insured.
Universal insurance, everyone must look at its guaranteed interest rate, which is related to everyone's income.
This product has a guaranteed yield of 2.5%, which means that everyone's yield will not be lower than this value.
To tell you quietly, the guaranteed income of 2.5% is already an excellent level in the universal account! It can be seen that if this product is insured, the income is still particularly guaranteed.
3. Optional protection-the insured is exempted from liability.
In addition, this product plan also supports additional policyholders' exemption.
If the insured is unfortunately diagnosed with any kind of mild illness (50 kinds) or severe illness (90 kinds) stipulated in the contract during the insurance period (and after the waiting period), or dies unfortunately, the insurance company will waive the subsequent unpaid premium under the insurance contract. During the waiting period, you can also enjoy the insurance premium exemption guarantee.
This guarantee can be said to be very thoughtful. It is especially suitable for insuring children or parents. After all, the premiums of the elderly and children mainly depend on the family's economic support. Once you fall, it will also affect the protection of the elderly and children.
Due to the limited space of the article, please click the following link to learn more about this product:
"Taikang Win Yue Lifetime Annuity Insurance Product Plan (Exclusive Edition)" is coming, but it's really a surprise! 》
2. Is Taikang Win Yue Life Annuity Insurance Product Plan (Premium Edition) worth starting with?
To sum up, this Taikang Win Yue life annuity insurance product plan (exclusive version) is still excellent. Its main insurance includes a variety of survival interests, and the income provided by its universal insurance has strong stability and is worthy of everyone's trust.
In addition, this product plan can also increase the exemption of the insured and provide more humanized protection. The key is that insurance flexibility is also relatively high.
If you have the idea of insurance, it is especially worth a try ~
In fact, there are many excellent annuity insurance in the market. For example, the Yang Duo No.3 old-age insurance, which is insured by everyone, has a good guarantee and income. You can also compare them:
"Everyone has a lot of No.3 pension annuity insurance, and it is a heavy attack. An analysis! 》
Write it at the end
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