If you don't know much about Guohua Life Insurance, you can first have a brief understanding through this article:
How about Guohua Life Insurance? Is it reliable? Tell you in one article! 》
First, the secret of Guohua Leshan Fu pension annuity insurance protection!
First of all, let everyone know about the product protection map of Guohua Leshanfu Pension Insurance:
1. Guarantee content
Guohua Leshan Fu endowment insurance has three guarantees, namely endowment insurance, expiration insurance and death insurance.
Maturity insurance and death insurance are easier to understand. If the insured dies unfortunately within the guarantee period and meets the requirements, the insurance company will pay the death insurance money as agreed. However, if the insured still exists after the expiration of the insurance liability period, and the conditions are consistent, the insurance company will also pay the basic insurance amount as the maturity insurance money as agreed.
Speaking of old-age insurance, seniors let everyone learn briefly. This product includes two ways to receive pension insurance, namely, annual payment and monthly payment. The insured must agree with the insurance company to choose one of the insurance methods and write it in black and white on the insurance policy, which shall not be changed during the insurance period of the contract!
If the insured's insurance age is lower than the starting age of receiving pension insurance benefits, the insurance company will pay the corresponding pension insurance benefits with reference to the agreement, starting from the first policy anniversary date after the starting age of receiving pension insurance benefits, and the insured has not died on each policy anniversary date or policy week, month and day and is eligible.
However, if the insured's insurance age is not lower than the starting age (inclusive) and the insured exists the day after the end of the hesitation period, the insurance company shall provide the old-age insurance money as agreed. Then, the insured is alive on the anniversary of each policy or the week, month and day of the policy. In line with the conditions, the insurance company will also pay the corresponding pension insurance in accordance with the agreement.
It can be understood that if the insured reaches the age of receiving pension insurance and meets the requirements when applying for insurance, he can often receive pension insurance directly after the hesitation period without setting a long waiting time.
From this point of view, the setting of Guohua Leshanfu pension annuity insurance is still quite sincere!
2. Policy interests
Guohua Leshanfu Pension Annuity Insurance also provides practical policy rights such as automatic payment and policy loan.
Let's take a look at an example of policy loan equity. Once the insured suddenly encounters an economic turnover crisis after insurance, and the conditions are consistent, the insured can apply for a loan from the insurance company through the policy rights of the policy loan to obtain funds to alleviate the pressure of economic turnover.
In particular, the loan amount of the policy loan does not agree to exceed 80% of the net policy value of this contract and its attached contracts. I have to say that the longest loan period is no more than 6 months!
Generally speaking, the policy loan set up by Guohua Leshanfu Pension Insurance is really practical and can play an important role in most cases!
So is there a pit in this product? Is it worth buying? Senior sister reveals Guohua Leshan Fu pension annuity insurance for you, so that you can buy suitable insurance without stepping on the pit:
"Deep analysis! Is the insurance value of Guohua Leshanfu Pension Annuity worth insuring? 》
2. Is Guohua Leshanfu Pension Annuity Insurance recommended?
Sister Xue will give you a brief explanation of the insurance rules of Guohua Leshan Fu Pension Annuity Insurance.
Guohua Leshanfu Pension Annuity Insurance supports the birth age from 28 days to 85 years old, with a wide range of insured ages and more care for the elderly.
In other words, the coverage period of Guohua Leshan Fu Pension Annuity Insurance starts from the first policy anniversary after the insured 105, and the coverage period is still relatively long.
In terms of payment period, Guohua Leshanfu pension annuity insurance has three options, and provides wholesale payment, 3-year payment and 5-year payment. You can choose the appropriate payment period according to your actual situation.
It means that Guohua Leshan Fu pension insurance has two exemption clauses, which are very rare in the pension insurance market! And its 15-day hesitation period is basically not much different from the same type of products on the market.
It should be noted that if this product is insured, the starting age for male insured to receive pension insurance is 60 years old, and the age for female insured to enjoy pension insurance for the first time is 55 years old.
Generally speaking, Guohua Leshanfu pension annuity insurance is not cost-effective and has insufficient protection, so it is not worth starting.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister arranged a lot of value-for-money and solid annuity insurance. You can choose the best one here:
The top ten commercial endowment insurance market with cost performance! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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