The senior who specializes in insurance will go out and seriously introduce the China Life Pension Insurance to everyone!
Senior prepared an introduction article about China Life Insurance. Friends who want to know about this insurance company may wish to have a look:
How about China Life? What products are there? 》
1. What does life-long pension insurance protect?
First of all, I will bring you a product protection map:
1. Insurance rules
China Life Zunyi Life Pension Annuity Insurance gives people over 35 years old and under 65 years old the opportunity to apply for insurance, and the age setting for insurance is stricter than other insurance products on the market.
In terms of guarantee period, China Life Zunyi Life Pension Insurance provides guarantee period until the insured reaches the age of 85, and takes effect on the corresponding day of that year.
Let's look at the payment period. China Life Zunyi Life Pension Insurance has set various payment periods, including wholesale payment, 3-year payment, 5-year payment and 10-year payment. A variety of payment years can meet the insurance needs of different insured groups!
At present, the hesitation period of China Life Zunyi Life Pension Insurance is 15 days, which is slightly different from similar pension insurance products on the market.
We need to be cautious that the starting date of receiving the pension insurance included in China Life Zunyi Lifelong Pension Annuity Insurance is closely related to the gender of the insured and the age at the time of insurance. You can know the detailed requirements through the protection diagram.
However, senior sister heard that the starting age of pension annuity for many pension insurances on the market is optional. There are many choices of insurance products, and the insured can choose according to the actual situation of the individual.
In contrast, there are not many options for the starting age of China life Zunyi life pension insurance, only one option is provided, and there is no pension insurance that can choose the starting age of the pension.
2. Guarantee content
China life Zunyi life endowment insurance * * * includes three guarantees, namely, pension, birthday bonus and death insurance.
The dividing line is the date when the pension annuity agreed in the contract begins to be collected, and it ends before the expiration of the contract insurance period and the effective corresponding date of the collection method agreed in the previous contract. If the insured is alive and eligible, the insurance company will choose to pay the pension annuity on the effective date of the agreed collection method.
What we should observe carefully is that there are two ways to receive pension annuity: annual and monthly. The annual amount is set as the contract basic insurance amount, and the monthly amount is 8.4% of the contract basic insurance amount.
However, if the insured is still alive on the corresponding day when the contract insurance period expires and the conditions are consistent, the insurance company will pay 200% of the basic insurance amount of the contract for birthday payment. On the other hand, if the insured unfortunately leaves this world during the insurance period and meets the requirements, the insurance company will compensate the insurance beneficiary according to the greater of the premium paid (excluding interest) and the cash value of the contract, which is a kind of death insurance.
Life-long pension insurance is relatively good among many pension products, which basically stipulates the basic guarantee.
What's more, China Life Zunyi Life Pension Insurance allows additional nursing insurance, which is relatively friendly from the perspective of people with relevant insurance needs. Moreover, China Life Zunyi's life-long pension annuity insurance is still relatively general.
Senior prepared this in-depth evaluation of China Life Zunyi Lifelong Pension Insurance. Friends who want to know more about this product may wish to have a look:
"Is the value of China Life Zunyi Life Pension Annuity Additional Care Insurance worth insuring? Explain in detail! 》
Second, is life-long pension insurance worth buying?
On the whole, the life-long pension annuity insurance in Zunyi, China Life, has a general performance and is quite satisfactory in the market.
If everyone wants to start with old-age insurance, then Senior Sister suggests that you learn more about other old-age insurance on the market, and make a choice according to your own security needs, so you may meet better products that meet your own needs!
Senior sister has arranged excellent commercial endowment insurance, don't miss it:
The top ten commercial endowment insurance market with cost performance! 》
Finally, the senior also wants to tell you. China life Zunyi life pension annuity insurance belongs to annuity insurance. Although this product can be attached with nursing insurance, even so, the health protection that the insured can get is far from enough!
Therefore, Senior Sister suggested that you should remember to give yourself enough protection before you start buying annuity insurance products like China Life Zunyi Life Pension Insurance!
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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