Today, Senior Sister will take a look at the old-age security (adult version) with you to see if it is really that good. Click on the link below to learn the true face of loving and enjoying Jinsheng's old-age security (adult version):
What about the "Pacific Love Golden Life (Adult Edition)" old-age security? Pay attention to such people! 》
First, the content analysis of Ai Xiang Jinsheng (adult version) old-age insurance!
You can take a look at the protection map of this product first:
1, insurance conditions
As can be seen from the above figure, the old-age security Ai Xiang Jinsheng (adult version) supports people aged over 65,438+08 to under 60, which belongs to a less prominent range. After all, there are many products of the same type on the market, and even 70-year-olds can be insured, which can give more people the opportunity to be insured.
Secondly, the old-age security, Ai Xiang Jinsheng (adult version), has two kinds of security periods of 20 years and 30 years, which can meet the needs of people who pursue medium-and long-term security.
As for the payment period, this product only provides the payment period of 20/30 years, excluding the wholesale payment.
For many people whose income is not very stable, wholesale payment is obviously more suitable. After all, once you pay the premium, you don't have to worry about having no money to pay the premium in the future.
If you still have questions about the wholesale content, you can read this article again:
What do you mean by wholesale? What are the benefits? 》
2, additional malignant tumor (severe) medical insurance.
This product can also provide malignant tumor (severe) medical insurance for the insured by attaching "Aiwei Jinsheng Malignant Tumor (Severe) Medical Insurance".
This guarantee covers high-end medical resources such as cancer special drugs and CAR-T therapy, which can provide better treatment for the insured. Take CAR-T therapy as an example. CAR-T therapy can be said to be the most effective means to treat cancer, but it costs a lot of money, at least millions of yuan.
If you have a medical insurance that loves to enjoy malignant tumors (severe), you can solve this problem.
When you see this place, do you think this product is not bad in an instant? But is it really worth buying? You won't know until you read the following.
Second, is it worth buying the old-age security for Jinsheng (adult version)?
1, the guarantee content is single.
The coverage of the old-age security of Ai Xiang Jinsheng (adult version) includes death/disability insurance and expiration insurance. Looking at the above picture, you can see that the protection provided by this product is not so diverse.
However, in order to highlight their competitive advantages, some products of the same type will also include additional compensation for accidents, accidental death of vehicles/total disability insurance, etc., which can give consumers more adequate protection and cost performance is more commendable.
2. Less policy rights and interests.
Ai Xiang Jin Sheng (adult version) pension insurance also provides the rights and interests of policy loans.
Policy loan refers to a way for consumers to mortgage their policies to insurance companies and get a sum of money according to a certain proportion of the cash value of the policies. If the funds are temporarily unable to turn around, the policy loan right will help consumers solve their urgent needs.
Although this right is very beneficial to everyone, endowment assurance, which has been well implemented, has other rights, such as reducing payment and automatic premium payment. Compared with other insurances, it is no wonder that senior students are not satisfied with this product.
Generally speaking, the old-age security (adult version) is not very cost-effective. Its guarantee content is relatively simple. There are also fewer rights and interests. Moreover, the age range of insurance is not very wide and the payment method is not flexible enough. So, on the whole, it is not worth buying.
In addition, there are many places to pay attention to when insuring against two risks. In order to avoid stepping on the pit, I suggest you read this two-insurance insurance strategy before you apply for insurance:
"About the two insurance, the salesman won't tell you! 》
Write it at the end
I am an insurance top student, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to top student, the official account of WeChat, and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: top student said that the insurance cost is low, so buy the right insurance!