What about this product guarantee? Is it worth buying? If you want to know the evaluation results quickly, please click the link below to view them:
"In-depth evaluation! Is the national good life pension annuity insurance worth starting with? 》
1. What is the coverage of national endowment insurance for a better life?
As usual, let's take a look at the protection map of this product before we formally understand:
Looking at the protection map above, we can know that there are still many protection contents of the good life pension insurance, including pension, birthday bonus and death insurance, as well as policy loans and other rights and interests. Let's study how to guarantee:
1, with a wide age range.
The guarantee age range of good life pension insurance is set at 28 days after birth to 69 years old, and people up to 69 years old can buy it. Compared with other similar products on the market, people aged 60 or 65 can be insured at most. This product has a wide age range and can meet the requirements of more insured people.
2. The payment method and collection time are flexible and diverse.
The payment methods provided by this product are: one-time payment, three-year payment, five-year payment and 10-year payment. Compared with the pension annuity insurance that only provides wholesale payment, three-year payment or five-year payment, it provides more payment methods and is more flexible. Under normal circumstances, if the payment period is long, there is no need to face such a big payment pressure every year.
At the age of receiving the pension, men can choose to start receiving the pension at the age of 60, 65 and 70, and women will generally receive it earlier, as soon as they are 55. Regardless of men and women, the time for receiving the pension is very flexible, and they can freely choose the time according to their personal needs.
3. Guarantee to receive it for 20 years.
The guarantee payment period provided by Good Life Pension Insurance is 20 policy years from the first pension annuity collection date agreed in the contract. That is to say, in the 20th policy year, no matter what happens to the insured, generally speaking, the insured or the insurance beneficiary can get the old-age insurance money.
If you don't understand the characteristics of annuity insurance and what you need to pay attention to when buying annuity insurance, please read this article:
"Annuity insurance? Is there anything to pay attention to? Do you have any good products? 》
Second, we must pay attention to these points before buying the national good life pension insurance!
1, without total disability protection
Observing the protection map, we can know that the protection content of this product includes pension annuity, birthday bonus and death insurance, and there is no total disability insurance. If there is no total disability insurance, the insured will be lucky enough to get back his life in case of an accident. Unfortunately, the insurance company will not pay for the total disability, so all medical expenses and rehabilitation expenses during the treatment period will be borne by the insurer. Therefore, compared with the old-age pension insurance product with total disability protection, the protection content of this product still has room for improvement.
2. Article 7 of the exemption clause
Good life pension insurance has seven exemption clauses. Exemption clause means that the insured meets the conditions stipulated in these clauses, such as injecting drugs, suicide, intentional crime, drunk driving, etc. The insurance company is not responsible for paying insurance money. In this way, the fewer exemption clauses, the more benefits the insured can get.
In short, the good life pension annuity insurance has many bright spots-a wide age range, flexible payment methods and a guarantee of 20 years. However, there are two aspects that need special attention: one is that this product does not protect the disabled; The other is that there are too many exemption clauses. If you value these two friends, this product may not be suitable for purchase. However, you can compare other high-quality pension insurance on the market, and then choose the product that suits you. After comparing most annuity insurance in the market, senior sister found that this 10 product is the most worth buying, so don't miss it:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
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