Before we begin, you can also take a look at this evaluation article to understand this product from another angle:
You should pay attention to the following points before buying Sino-Dutch good time pension insurance (dividend type) …
1. What is the good time for China-Netherlands old-age security?
Combined with the security map, it is not difficult to see that the Sino-Dutch good time pension security (dividend-sharing type) gives people aged 0-60 the opportunity to insure. There are many products of the same type on the market, and the maximum age of 65 is allowed to be insured. Comparatively speaking, the insurance age range of this product is relatively small.
Next, let's analyze the responsibility of old-age security (dividend-sharing) and the good times between China and the Netherlands.
1, insurance rules
Compared with the two all-insurance products that only provide one guarantee period, the performance of the old-age security (dividend-paying) in the good times of China and the Netherlands is still remarkable. This product has five optional warranty periods, including 15/20/25 years and 65/88 years.
What needs to be reminded is that the longer the guarantee period is required, the more money will be spent on the premium when other insurance conditions are exactly the same.
The Sino-Dutch Happy Time Pension Security (dividend-sharing type) also provides a variety of payment years, and the insured can freely choose to pay in 5/ 10/ 15/20 years. With so many payment periods to choose from, most policyholders can choose a good payment period according to their actual situation.
2. Guarantee responsibility
Sino-Dutch good old-age security (dividend-sharing type) only provides two kinds of security responsibilities: expiration security and death security, and does not provide total disability security.
In fact, if you are unfortunately completely disabled, it will also bring great pressure to the whole family. After all, long-term nursing expenses, rehabilitation expenses, nutrition expenses and so on. It is also very expensive to accumulate. ...
The advantage of covering total disability protection is that when the insured is physically disabled and reaches the standard of claim settlement, he can also apply for a sum of money for living expenses after total disability.
However, some "double insurance" policies in the market cover both death and total disability protection. Unfortunately, this product is not fully considered in this respect.
Speaking of which, if some friends don't understand these two risks, this article is worth reading:
"About the two insurance, the salesman won't tell you! 》
Second, is the value of old-age security (dividends) worth buying in the good times of China and the Netherlands? These two points are very important!
1, practical policy benefits
Sino-Dutch Good Time Old-age Security (dividend type) has set up two actual rights and interests: insurance deduction and policy loan.
To put it simply, the reduction of insurance is to apply to the insurance company to reduce the basic insurance amount, and the insurance company will return part of the cash value to consumers; Policy loan refers to a loan method in which the insured mortgages the policy he holds to the insurance company and obtains funds according to a certain proportion of the cash value of the policy.
These two rights and interests will undoubtedly make everyone more flexible in using funds during the guarantee period and can match the needs of temporary funds.
2. Enjoy the policy dividend
Sino-Dutch Good Time Old-age Security (dividend type) can not only increase the basic security, but also allow consumers to enjoy the rights and interests of policy dividends.
However, it is worth noting that the dividend of the policy is mainly based on the actual distributable surplus corresponding to the dividend insurance business of the insurance company. This kind of dividend is not completely certain, whether it is more or less, and everyone will not see it in the contract.
Therefore, if you want to buy the bonus of old-age security (dividend-sharing type), you can still seriously consider the good times between China and the Netherlands.
Generally speaking, the overall performance of Sino-Dutch Good Time Old-age Security (dividend-paying) is relatively average, and there is no total disability liability in the security responsibility, which is not excellent compared with some excellent dividend-paying endowment assurance in the market.
If you want to start, it is recommended to shop around and then choose the one that suits you according to your own situation.
Finally, Senior Sister compiled several excellent dividend-paying endowment assurance for your reference:
"Old-age security dividend ranking" is freshly released! Is there anything you like? 》
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