Today, Senior Sister will take you to analyze this China Small Head Children's Annuity Insurance to see if you have heard such a good one!
Before the beginning, Senior Sister has prepared a popular science article about annuity insurance. You may want to open it first:
"Annuity insurance? Is there any pit? Do you have any good products? 》
First, the content of Huaxia Xiaodangjia Children's Annuity Insurance has been made public!
Not much to say, senior sister first presents the product protection map of Huaxia Xiaodangjia Children's Annuity Insurance:
1, flexible payment method
On the one hand, the payment method of Huaxia Xiaodangjia Children's Annuity Insurance is relatively flexible. On the one hand, you can choose to pay the premium in installments: 3 years, 5 years or 10 years. Assuming that parents don't want to bear too much premium pressure every year, they might as well choose the longest payment period.
Some friends who are new to insurance may not know what wholesale means. You can click below to learn more:
What do you mean by wholesale? What are the benefits? 》
However, many children's annuity insurance in the market can pay premiums within 15 or up to 20 years, and they can bring higher insurance leverage to consumers and share more premiums every year.
2. The number of years paid for education and nursing is many.
When the insured reaches the age of 65,438+08-24, Huaxia Small Family Pension Insurance can pay 65,438+00% of the education fund every year. If he is safe during this period, he can get seven years' insurance premium.
There are many children's annuity insurance with education annuity, but generally speaking, it will only be paid from 18 to the age of 22. After comparison, Huaxia Xiaodangjia's children's annuity insurance has been insured for two years.
According to the normal situation, children aged 65438 +08-22 are the golden age to receive college education. Most ordinary children's annuity insurance can only reduce the burden at this stage, while the education care fund of Huaxia small family pension insurance is allowed to receive it until the age of 24.
To put it bluntly, even if a child chooses to go to graduate school or go abroad for further study after graduating from college, parents don't have to worry about his education funds. Even if children go to work directly after graduation, support them to continue to receive the education care fund before the age of 25 (excluding), which can just ease their initial expenses.
3. The policy holder is exempted from liability.
Simply put, the applicant exemption means that if the insured has an agreed insurance accident and meets the contract requirements, the insurance company will no longer charge the remaining premium of the policy, and the insurance will not expire.
Huaxia Xiaodangjia Children's Annuity Insurance has just set up this insurance liability, and the scope of exemption includes accidental death or total disability.
Generally speaking, even if parents suddenly encounter misfortune, Huaxia small family pension insurance can continue to protect their children's growth, at least their future college expenses are guaranteed.
Second, isn't the insurance value of Huaxia Xiaodangjia children's annuity worth starting with?
1, single warranty period
Huaxia Xiaodangjia Children's Annuity Insurance is actually a life-long product. Compared with regular annuity insurance, the price will be higher, which has certain requirements for consumers' economic conditions, and some working-class people may find it difficult to afford this kind of insurance.
In order to meet the market demand, some insurance companies have introduced annuity insurance products that can guarantee fixed-term and life-long. People with different income levels can use them to provide protection. This product is more flexible.
2. Less policy rights and interests.
Speaking of policy rights and interests, to put it bluntly, in addition to the protection given by products, consumers can also obtain certain rights and interests by virtue of policies. Although Huaxia Xiaodangjia Children's Annuity Insurance has also set up policy rights and interests, there are only two kinds of policy pledge loans and automatic early payment, which are somewhat insufficient.
Some children's annuities also set up policy rights such as reducing or increasing insurance. The former can deduct the residual premium from the cash value of the policy when the funds in the hands of friends are insufficient, while the latter can change the insured amount of the product within the agreed scope according to their own economic situation.
Generally speaking, Huaxia Xiaodangjia Children's Annuity Insurance is still excellent in terms of children's protection, but the disadvantage is that this product does not give regular protection, which has a high threshold for consumers' economic conditions and a low cost performance. Therefore, if you don't come from a high-income family, you'd better look for a suitable product again.
Space is limited. If you want to know a more detailed evaluation of Huaxia Xiaodangjia Children's Annuity Insurance, you can click here to view it:
"Huaxia little take charge of children's annuity insurance, ok? You will know after reading this article! 》
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