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The following senior gives you a brief analysis of He Zhong Jinyu No.5 old-age security (universal), and the security map is as follows:
He Zhong Jinyu No.5 Old-age Security (universal) is a universal endowment assurance with a guarantee period of five years, and the premium is paid in one lump sum to support people born between 28 days and 65 years old.
In terms of waiting period, the waiting period set by He Zhong Jinyu No.5 pension security (universal) is 180 days, while the waiting period of some similar products on the market is only 90 days.
During the waiting period, the insurance company will not pay for accidents caused by non-accidental injuries, so the shorter the waiting period, the better.
Want to know more about the waiting period and see if the insurance company will lose money during the waiting period? If you don't understand, you will suffer a big loss!
Its coverage includes expiration insurance and death insurance, and it also provides policy loan rights.
It is worth noting that the guaranteed interest rate of the policy account of He Zhong Jinyu No.5 old-age security (universal) is only 1.75%.
At present, the guaranteed interest rate of some universal insurance policy accounts on the market is as high as 3%. In contrast, He Zhong Jinyu No.5 old-age security (universal) still has room for improvement.
However, apart from the guaranteed interest rate, the settlement interest rate of its policy account is uncertain.
Because the settlement interest rate will change according to the changes of the insurance company's operation, the insurance company will make a public announcement in official website on schedule every month, so you can pay attention to it.
In addition, I also want to know the specific benefits of universal insurance. You can see: how much can you earn by buying universal insurance? Don't be sold. Have fun. ......
The above is all my answers to this question, I hope it will help you!
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