What is the performance of its products? Today, Senior Sister will talk about its Royal Cube No.6 Caring Edition to see if this product is worth buying by friends!
If you want to get the evaluation results quickly, you can click on this article to see:
ICBC AXA Life Royal Cube No.6 Caring Edition Old-age Security Promotion! Look before you buy it! 》
1. How about the double insurance protection of Caring Edition of Royal Rubik's Cube 6?
Use the gap before evaluation to learn more about the essence of the product:
According to the protection map, it can be seen that the protection content of Royal Cube 6 Caring Edition is relatively uncomplicated, such as expiration insurance and death insurance. Today, I would like to take this opportunity to explore with my senior sister and see how its specific protection is!
1, with various payment periods.
The payment period of Yu Cube No.6 Caring Edition is set to 5 years, 10 years, 20 years and 30 years. The payment period is well set, allowing different people to choose according to their own conditions. Some friends who have known endowment assurance may know that endowment assurance is also known as the old-age security for life and death. To put it bluntly, it can protect both survival and death, so its insurance coverage is quite amazing.
If you are a small partner with a relatively small budget, you can choose a longer payment period, such as 30 years, so that there are not so many premiums to be paid each year, and the pressure on payment will not be great.
2. Support premium payment in advance.
Generally speaking, paying the premium in advance means that if the insured fails to pay the renewal premium after the grace period, he can choose to pay the premium in advance, that is, if the cash value of the contract at that time is enough to pay the premium owed in the current period after deducting the loan, the premium paid in advance and other interest payable, the remaining money will be used as the guarantee fee owed by the user to ensure that the contract can continue to be effective and the contract will take effect later.
If the balance is not enough to pay the unpaid premium in the current period, the insurance company will convert the balance into the number of insured days and pay part of the premium first. As long as the insured days are not exceeded, the contract is still valid. Royal Cube 6 Caring Edition endowment assurance covers the rights and interests of paying premiums in advance, which can not only relieve the pressure of the insured's financial shortage to a certain extent, but also enable the insured to enjoy the corresponding protection, which is a more thoughtful protection of rights and interests.
In addition, if you want to know more about endowment assurance's partners, I suggest reading this article:
"The salesman won't tell you about these two insurances! 》
Second, you need to pay special attention to these points before buying the care edition of Royal Cube 6.
1, with a narrow age range.
The insurance age range of Royal Cube 6 Caring Edition is as follows: 28 days after birth to 55 years old, which means that the upper limit of insurance age is 55 years old. Dear friends, you should know that the highest insurance age in most endowment assurance is 70 or 75. In contrast, the insurance age range of this product is a little small, which is not considered by the elderly.
2. The guarantee content is not comprehensive enough.
The Caring Edition of the Royal Rubik's Cube No.6 does not guarantee total disability, and it is not very thoughtful in the content of protection. I believe that no one is not afraid of death, but the influence of total disability is not inferior to death. If the breadwinner in a family is completely disabled, the whole family may have no source of income, and all the treatment expenses, nursing expenses and so on will be spent later.
If the total disability protection is increased, the insurance company will compensate and transfer some economic risks in case of death or total disability. Unfortunately, however, endowment assurance, the caring version of Imperial Cube 6, does not provide total disability protection, but only death protection.
3. There are many exemption clauses.
The contents or situations in which an insurance company does not undertake insurance liability are also called exemption clauses, such as intentional injury by the applicant to the insured, suicide by the insured, drug injection, drunk driving, etc.
This product provides seven exemption clauses for the insured. Compared with some products of the same type with only three exemption clauses, this product provides quite a few exemption clauses, and the claim threshold is higher, which is not considered by the insured.
If you don't know how to read the disclaimer, don't miss this article:
What is the exemption clause of insurance? what do you think? If you don't understand, you will suffer a big loss! 》
On the whole, Royal Cube 6 Caring Edition endowment assurance covers the rights and interests of prepaid premiums, although there are various payment periods. However, there are also some shortcomings such as narrow age range, incomplete coverage and many exemption clauses.
If you want to start with this product, it is recommended to make a comprehensive decision according to your own needs and financial situation. Of course, senior sister also suggests that you look at other products with better security settings on the market, and then choose the one that suits you.
Write it at the end
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