If you have friends who are concerned about China Life Insurance products, you will know that China Life Insurance's Credit Suisse Annuity Insurance series products have attracted everyone's attention. Among them, there are many people who ask about the 2022 version of Credit Suisse Annuity Insurance, and many small partners are asking seniors whether this product is worth insuring ~
In order to help you answer, the seniors decided to evaluate this product for everyone!
If you want to understand the evaluation of seniors from another angle, you can also look at the following:
Is the value of China Life Credit Suisse Annuity Insurance 2022 worth starting with? You will know after reading it! 》
1. How about China Life Credit Suisse Annuity Insurance 2022?
Not much to say, let's look directly at the protection map of China Life Credit Suisse Annuity Insurance 2022:
1, guarantee period
China Life Credit Suisse Annuity Insurance 2022 sets the protection period until the insured reaches the age of 80, so it cannot provide lifelong protection.
If you have made up your mind and really want to take out China Life Credit Suisse Annuity Insurance 2022, as a pension plan, it does not meet the demand.
After all, most old-age insurance provides lifelong protection, which will be more adequate when you live to the old age.
If you plan to buy annuity insurance as a pension plan, it is recommended to consider the best-selling rich family pension.
This product can provide lifelong protection and ensure that the insured can get a 20-year annuity, which is more suitable for providing protection for the elderly.
In contrast, China Life Credit Suisse Annuity Insurance 2022 cannot guarantee the life of the insured, so it is not suitable as a pension plan.
If you want to know more about everyone's rich house pension, you can have a look:
"Everyone is the big secret of the income surprise of the richest man's house pension annuity insurance! Look before you buy it! 》
2. Providing policy loans
China Life Credit Suisse Annuity Insurance 2022 has the interest of policy loan.
It should be understood that annuity insurance provides the function of compulsory savings.
Because as long as you buy annuity insurance, it is equivalent to putting money in the product. If you want to get the money, you must wait until the agreed time limit.
Therefore, there are many tangled problems in the allocation of annuity insurance. What should I do if I need money urgently after insurance?
However, if there is policy loan interest, this problem is particularly easy to solve.
If you need money urgently, you can directly apply for a certain proportion of the current net value with the policy, and you can repay it directly within the specified time.
It should be pointed out that with the policy loan function, the flexibility of the policy is improved!
3. There is no complete disability protection.
China Life Credit Suisse Annuity Insurance 2022 only guarantees death protection, but there is no provision for total disability protection.
In fact, death and total disability are two kinds of protection that will appear from time to time in life insurance products. Some life insurance products can cover death and total disability protection.
Although total disability does not seem to be as serious as death, it is easy to know that if total disability occurs, the whole family will not only lose some financial resources, but also have to pay for their long-term care and nutrition.
These expenses accumulate over time, and an ordinary family is likely to be crushed.
Therefore, as long as the annuity insurance can provide such protection content as total disability, it can provide some help to this family in this case, thus helping them tide over the crisis.
However, China Life Credit Suisse Annuity Insurance 2022 does not provide total disability protection.
Looking at this point alone, China Life Insurance Credit Suisse Annuity Insurance 2022 is still not good enough.
2. Is China Life Credit Suisse Annuity Insurance worth insuring in 2022?
It can be seen from the above that China Life Credit Suisse Annuity Insurance 2022 cannot guarantee the life of the insured. If it is used as a pension plan, there is a risk gap and it is not worth buying by people who want to do pension planning.
However, China Life Credit Suisse Annuity Insurance 2022 has set up policy loan rights, and the flexibility of policy funds is still relatively excellent.
In terms of protection content, China Life Credit Suisse Annuity Insurance 2022 does not provide total disability protection.
On the whole, assuming that some small partners want more comprehensive protection, China Life Credit Suisse Annuity Insurance 2022 is not worth buying, so it is recommended to study more similar products.
Finally, the senior sister sorted out several high-yield annuity insurances for everyone. If you are interested, you can have a look at the following list:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
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