The following sisters will give you an in-depth evaluation! This article can help you get familiar with the precautions of annuity insurance in advance. If you don't know, come and have a look:
Learn this trick and stay away from the 99% pit of annuity insurance.
First, the product form of Fuxin Mantang Annuity Insurance (dividend type) was announced!
Like the previous rules, let's take a look at the protection essence of Fuxin Mantang Annuity Insurance (dividend-sharing type):
First of all, let's learn about the setting of insurance conditions. Fuxin Mantang Annuity Insurance (dividend-paying type) can cover people aged 28 days to 60 years. The guarantee period is 10 year or 15 year, and the premium can be paid annually, which is 3/5/ 10 year respectively.
Now, let's take a look at the protection content of Fuxin Mantang Annuity Insurance (dividend type). Fuxin Mantang Annuity Insurance (dividend-paying type) can not only pay special survival fund and survival insurance money as agreed during the insurance period, but also protect death.
If the insured survives until the insurance period expires, at this time, Fuxin Mantang Annuity Insurance (dividend-paying type) will pay the due insurance money to the insured.
In terms of other rights and interests, Fuxin Mantang Annuity Insurance (dividend type) supports the following two rights and interests: policy loan and insurance reduction.
The above is the product form analysis of Fuxin Mantang Annuity Insurance (dividend type).
Due to the space problem, if you want to know more about Fuxin Mantang Annuity Insurance (dividend-paying), you may wish to go here:
How about Ying Da Fuxin Mantang Annuity Insurance (dividend-sharing type)? Can I really pay dividends to the insured? 》
2. What are the noteworthy performances of Fuxin Mantang Annuity Insurance (dividend type)?
After a detailed study by my senior, I found the highlights and shortcomings of Fuxin Mantang Annuity Insurance (dividend-sharing type).
& gt& gt Highlights of Fuxin Mantang Annuity Insurance (Dividend Type)
1, the probability of receiving the due insurance premium is high.
Basically, for all products with the guarantee of return at maturity, the payment condition must be that the insured needs to live until the insurance period expires, so if the guarantee period is shorter, the probability of the insured living until the insurance period expires will be more gratifying.
The guarantee period of Fuxin Mantang Annuity Insurance (dividend type) is 10 or 15. It belongs to short-term investment annuity insurance, and the guarantee period is not long, so it is more likely that the insured will survive until the expiration of the insurance period, so the probability of applying for full insurance premium will be higher.
2. Support insurance relief
Some consumers may want to choose annuity insurance to get income when there is no problem in the initial budget, but they may interrupt or reduce their income for some reasons during the protection period, which makes the payment pressure more obvious and has a greater chance to choose to surrender because they cannot afford the premium.
If the annuity insurance can have a reduction item, it will greatly help to reduce the premium pressure of consumers. The significance of insurance reduction is to reduce the insured amount, so that the total premium is also reduced, which can make consumers pay less premiums every year.
However, not all annuity insurance provides this right. Compared with most similar products, there is a saying that Fuxin Mantang Annuity Insurance (dividend type) is more satisfying to consumers.
& gt& gt Deficiencies of Fuxin Mantang Annuity Insurance (Dividend-sharing)
1. Bulk transfer is not supported.
It can be found that Fuxin Mantang Annuity Insurance (dividend type) only covers the phased premium, but does not cover the payment method of wholesale payment.
In this way, for groups with good but unstable income, there is a lack of methods to plan cash flow, which is not friendly enough.
Fuxin Mantang Annuity Insurance (dividend-paying type) is indeed inferior to the same type of products with wholesale premium and installment premium in the setting of payment period.
2. Dividends are uncertain.
Fuxin Mantang Annuity Insurance (dividend type) is actually a dividend type annuity insurance. After successful purchase, consumers can not only have the guaranteed content, but also participate in the dividends of insurance companies, but their dividends are uncertain.
To put it simply, you may get a dividend last year, but not this year. How much bonus you can get depends on how much distributable surplus the insurance company had last year.
The problem is that insurance companies will not fully disclose the profitability of dividend business, so how much money they can get and whether they can get it are closely related to insurance companies.
Third, the summary of the senior sister
To sum up, I think everyone's understanding of Fuxin Mantang Annuity Insurance (dividend type) will be further improved.
The advantage of Fuxin Mantang Annuity Insurance (dividend-sharing type) is that it has a high probability of obtaining full insurance premium and can reduce the insurance premium. However, it does not support wholesale payment, and the dividend is uncertain. Generally speaking, it is not very good, the cost performance is average, and it is not particularly worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister arranged a lot of value-for-money and solid annuity insurance. You can choose the best one here:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
I am a scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to Xueba, the official account of WeChat, to talk about insurance consultation with me.
I will give you the most professional advice based on years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!