Evergrande's old-age security is very popular on the Internet. It is said that the cost performance is very high, and many friends are asking, is it really that high? Is it really worth buying? Let's make a detailed evaluation next!

Because there are many technical terms in the following contents, I suggest you know the basic insurance knowledge first, which is good for the following understanding:

Before buying insurance, you must first understand these key knowledge points! 》

1. How about Evergrande's 10th Anniversary Pension Insurance?

Without saying much, let's take a look at the content map of Evergrande's old-age security:

After reading the product content map, let's sort out its specific content:

(1) wide bowling

Judging from the age of insurance, this product of Evergrande Pension Insurance supports people born between 0 and 70 years old.

But at present, more than half of the same type of whole life insurance on the market are insured at the age of 60 and 65.

A considerable number of insured people over the age limit can't buy it. The desire of asset allocation is difficult to realize.

In this way, Evergrande's two-year insurance is broader and more humanized in age setting, which can meet the needs of more people.

(2) Flexible payment methods

The old-age security also sets several options for the payment period of Evergrande's 10th anniversary, namely, wholesale payment, 3-year payment, 5-year payment and 10-year payment.

Wholesale payment refers to the one-time payment of all insurance premiums when purchasing insurance. What is commendable is that the procedures are simple, which saves the trouble of continuing to pay premiums every year and the risk of policy failure. It is quite suitable for people with high income but relatively unstable.

Annual payment (installment payment) refers to the annual/periodic payment of insurance premiums. Compared with wholesale payment, regular payment will be more flexible. According to our own premium budget and subsequent changes in economic strength, the appropriate payment period is our correct choice.

At the same time, it has a wholesale/annual fee method, which can meet the needs of more people.

(3) Support policy loans

Besides the basic guarantee of whole life insurance, Evergrande Pension also supports policy loans.

At the beginning, there may be more small partners who have concerns about capital turnover, but once they have the policy loan function.

This shows that in case of turnover due to unexpected circumstances in the future, relevant operation methods can be used, and the policy can still take effect normally, completely unaffected.

But also supports policy loans, which can meet our asset management needs in different stages in the future, which is very practical!

(4) Excellent value-added services

Evergrande's old-age security is different from the conventional endowment assurance, and its coverage also provides rich value-added services, including medical green link, premium first service, Evergrande Health Valley and so on. Among them, Evergrande Health Valley, a high-end retirement community, can further meet the needs of many high-net-worth people in their later years and enjoy a higher quality retirement life, which is really excellent! In terms of medical treatment, there is also a premium-first service with limited content. Interested friends can read related popular science articles:

What is the "value-added service" in insurance? The more value-added services the better? 》

Second, is Evergrande's old-age security worth buying?

On the whole, Evergrande Pension Insurance is excellent in terms of insurance rules and security contents, and it is also one of the best products of its kind in whole life insurance.

For example, for a 30-year-old male, the annual insurance is 6,543,800 yuan, the payment is 5 years, and the total premium is 500,000 yuan:

By the sixth year of insurance, the accumulated cash value at the end of the year can add up to 494 thousand, which is almost equal to the total premium paid, and the speed of withdrawing funds is super fast. When the statutory retirement age in China is 60 years old, the accumulated cash value at the end of the year reaches 654.38+0.299 million, which is about 2.6 times of the total premium, and the internal rate of return is close to 3.59%.

It can be used as pension reserve, as well as children's education fund reserve, which can be met by Evergrande's tenth anniversary pension security.

On the whole, Evergrande's old-age security is cost-effective, with comprehensive infrastructure and good income, which is worth buying.

Friends who are interested in this product suggest that you learn more about it during this time. Presumably, some friends want to refer to other whole life insurance products with high cost performance. Let's take a look at this big summary, which may be helpful:

"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》

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.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!