The following sisters will give you an in-depth evaluation! This article can help you get familiar with Huading's worry-free old-age security in advance. Let's take a look at friends who don't know:
"Ding Cheng Huading worry-free pension insurance is worth buying? You will know after reading this article! 》
First, Dingcheng Huading worry-free old-age insurance protection content revealed!
I don't say much, and the seniors directly put a safety map on everyone:
As can be seen from the above figure, the protection of this product is relatively rich, mainly including expiration insurance, non-accidental death/total disability insurance, accidental death/total disability insurance, aviation/high-speed rail/network car/taxi/public transportation/private car accidental death or total disability insurance, etc., and some other rights and interests are also set up, such as policy pledge loan and automatic premium payment.
Next, the senior began to analyze Dingcheng Huading's worry-free old-age security!
1, comprehensive guarantee content
Presumably, it is not difficult to see from the product diagram that the protection content of Dingcheng Huading's worry-free old-age security includes not only the due survival insurance, non-accidental death/high disability insurance and accidental death/high disability insurance.
The other is to cover other insurance liabilities arising from accidents, such as vehicle accidental death/high disability insurance, which greatly increases the protection.
In contrast, Dingcheng Huading's worry-free old-age security has a wider scope of protection and is worthy of praise.
2. Excellent policy loans.
Dingcheng Huading Worry-Free Old-age Security includes policy loan rights.
To sum up, after we configure this product, if our policy has accumulated cash value within the validity period of the contract, we can apply for a loan from the insurance company, and the insurance company needs to charge a certain percentage of interest.
The accumulated loan amount shall not exceed 80% of the current cash value of this contract after deducting all outstanding amounts.
And it should be understood that the loan period cannot exceed 6 months. If it is overdue, when the policy anniversary date is reached, the unpaid interest will be incorporated into the original loan amount to calculate the interest.
However, old-age security is not suitable for everyone to buy. This paper explains the reasons in detail. You'd better know whether you are suitable to buy this kind of products first:
"About these two insurances, the salesman will never tell you! 》
Two, Dingcheng Huading worry-free old-age security these two fatal defects must be understood. ..
1, with a narrow age range
Dingcheng Huading's worry-free old-age security has a very strict age range, and only people aged 18-55 can apply for it.
Once you are over 55, it is impossible to buy this product again.
In many old-age insurances, the restrictions on the age range are very loose, and the maximum age of many excellent products is set at 65 or 70.
For Dingcheng Huading's worry-free old-age security, the maximum insurable age is 55, which is very unfriendly to those over 55.
2. Non-accidental death/high disability insurance payment ratio is unfriendly.
At present, there are three ways to pay for the non-accidental death/high disability protection of Dingcheng Hua Ding Worry-Free Pension Insurance.
If the insured dies unfortunately or is highly disabled due to reasons other than accidental injury, the insurance company will also set different compensation ratios according to different age stages.
If the insured is in danger at the age of 18-40, the insurance company will pay160%; 4 1-60 years old, then it is140%; At present, the payment ratio of 120% is provided for people aged 6/kloc-0 and above.
Under the background that China's policy tends to delay the retirement age, most people still have to bear the heavy responsibility of family economy for a long time after 4 1 year old.
Therefore, Dingcheng Huading's worry-free old-age security does not focus on protecting people aged 4 1~60, which is really harsh!
When buying insurance, you should read the insurance clauses carefully and be aware of them. Senior also compiled an insurance knowledge manual here to help you buy the right insurance:
"Super complete! Everything you want to know about insurance is here.
Generally speaking, Dingcheng Huading Worry-free Old-age Security is not cost-effective, and the coverage content is comprehensive, but the age of insurance is demanding, and the ratio of non-accidental death/high disability protection is inhuman, so it is not worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products.
Write it at the end
I am a scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to Xueba, the official account of WeChat, to talk about insurance consultation with me.
I will give you the most professional advice based on years of experience in configuring insurance for 10W+ families.
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