The following sister will give you an in-depth evaluation! The following article can help you get familiar with insurance knowledge in advance. Friends who don't know, come and see:
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1. How about the old-age security, China Life Trust Libao?
Not much to say, let's take a look at the content map of China Life Xinlibao's old-age security:
After roughly reading the product content map, let's carefully sort out the whole content:
(1) The insurance age range is narrow.
At present, from the age range of insurance, the age of the insured group of this product is 18 to 65 years old.
At present, most of the same type of high-quality endowment assurance on the market will be extended to 70 and 75 years old.
This makes many consumers over the age of 65 who have asset allocation needs have the opportunity to take out insurance, so that their asset allocation wishes are no longer empty.
However, the age range of China Life Insurance Xinlibao Old-age Security is narrow, and the existing restrictions are very large. Consumers over 65 can only make another choice.
(2) The payment method is relatively simple.
China Life Xinlibao Old-age Security only has an option of wholesale payment, and there is no annual payment at all.
Batch payment refers to paying all the insurance premiums at the time of insurance. The advantage is that the procedures are simple, and the trouble of renewing insurance premiums every year and the risk of policy invalidation are greatly simplified, which is more suitable for people with high income but unstable.
Annual payment (periodical payment) refers to the annual/periodical payment of insurance premiums. The advantages of regular payment over batch payment are mainly reflected in flexibility. The insured can choose the payment period that is most suitable for his own situation according to his own premium budget and subsequent changes in economic strength.
At present, many excellent endowment assurance clubs in the market have two payment methods, wholesale and annual fee, which can also meet the payment needs of most consumers. Regrettably, however, China Life's Xinlibao Pension Insurance did not offer an annual exchange.
(3) Support policy loans
In addition to some basic guarantees, China Life's Xinlibao Pension Security and China Life's Xinlibao Pension Security can also obtain loans through insurance policies.
At the beginning, there may be many small partners who have concerns about capital turnover, but once they have the policy loan function.
This means that in the future, when we need to turn around due to unexpected circumstances, we will get relevant operation methods, and the policy can still take effect normally without any influence.
Products supporting policy loans can meet our asset management needs at different stages, which is very practical!
(4) Long waiting period.
China Life's Xinlibao old-age security has reached 180 days, which is twice as high as that of other endowment assurance with a waiting period of 90 days.
The waiting period is also called the observation period in the whole insurance industry. While waiting for the old-age security, China Life Insurance Xinlibao unfortunately suffered an accident due to illness. China Life is not liable for compensation, and can only return the premium paid by the policy. This is precisely because some people know that they are in danger, and in order to get protection, they immediately take out insurance.
For the insured, the shorter the waiting period, the better, and we can get comprehensive protection more quickly.
Space is limited. If you want to know more about China Life's Xinlibao old-age security, you can click the following link:
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Second, is the old-age security value of China Life Xinlibao worth buying?
Generally speaking, the cost-effectiveness ratio of China Life Trust Libao's old-age security is not too high, and the total disability security is not comprehensive enough. In addition, its insurance age range is relatively narrow, the payment method is relatively simple and the waiting period is relatively long. In the same type of endowment assurance products in the market, its competitiveness is very small. Therefore, it is better for everyone to choose two comprehensive and cost-effective all-insurance policies in the market.
Now many friends will choose online insurance. So, how can I buy reliable insurance online? Click on the following article to tell you:
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Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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