Heng'an Standard Life Hengyingbao annuity insurance is very popular online, and I heard it is very cost-effective.

Many friends are also asking, is the cost-effectiveness of Hengan Standard Life Hengyingbao annuity insurance really that high? Is it really worth buying?

The senior sister will give you an in-depth review below! This article can help you familiarize yourself with Heng'an Standard Life Insurance Company in advance. If you don't know, come and take a look:

"How is Heng'an Standard Life, is it reliable, and what are the pitfalls and routines"

1. What is the protection content of Hengan Standard Life Hengyingbao annuity insurance?

Before evaluating Hengyingbao annuity insurance, let’s first take a look at its product protection chart:

After understanding the protection chart, we can see that Hengyingbao includes survival Includes insurance premiums, maturity benefits and death benefits, as well as equity including policy loans. With this product, you can receive survival insurance benefits from the fifth policy effective date, and you can receive the survival insurance benefit from the 11th policy effective date. The death insurance benefit can be collected from the premiums paid - the amount of life insurance received or the cash value, whichever is greater. If the contract expires and the insured survives, the basic insured amount can be received back. In addition, this product can also be used for policy loans. On the whole, the protection content of this product is average. It only includes survival insurance, maturity insurance, death insurance and policy loans, and does not provide other policy rights.

2. What are the highlights of Hengan Standard Life Hengyingbao annuity insurance?

1. Wide insurance age range

Hengyingbao supports people aged 0-70 to apply for insurance. Among annuity insurance products, the insurance age range set is very advantageous. The insurance age range is quite wide, and the settings are very good for the elderly. Compared with many annuity insurance products of the same type that have an upper limit of insurance age of only 60 years old, this product is also very good.

2. The survival benefit is received earlier

Hengyingbao’s survival benefit can be received starting from the 5th contract effective date and will continue to be received until the 11th contract effective date , this is relatively good compared to other products that can only receive survival benefits from the 10th contract effective date. The earlier the time for receiving the survival insurance benefits is stipulated, the faster the return of funds will be.

3. Policy loans are available

When the Hengyingbao product is within the validity period stipulated in the contract and has a cash value, you can apply for a loan in writing. If the fund budget is insufficient, This can realize the turnover of funds and maintain the original standard of living. The policy loan of annuity insurance can be extremely effective to alleviate the problem of insufficient funds of the insured or policyholder to a certain extent, and the protection will not expire.

The senior sister has talked about the highlights of this product at such a long length. Everyone should know how to choose a good annuity insurance. If you still don’t know about annuity insurance or don’t know what good annuity insurance options are available, you can read this article:

You can click on the link below to learn about the annuity insurance content that everyone is most concerned about:

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"Is annuity insurance good?" Are there any pitfalls? What are some good products? 》

3. Is Hengan Standard Life Hengyingbao annuity insurance worth buying?

Generally speaking, Hengan Standard Life Hengyingbao annuity insurance has low cost performance and lack of protection, so it is not worth buying.

For those who are looking for insurance with more comprehensive protection and greater practicality, I recommend comparing it with other products.

The senior student has sorted out a lot of annuity insurances that are great value for money and have solid protection. You can choose and buy them here:

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Written at the end

I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not been resolved yet For your questions, you can also consult me ??on the official account Xueba Talk Insurance;

I will give you the most professional advice based on my years of experience in configuring insurance for 10W families.

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