Although the income of endowment insurance is not as fast as that of stocks and funds, the victory lies in stability!

Annuity insurance has high security, and the collection of annuity is written in the contract and is not affected by changes in market interest rates.

After taking out the endowment insurance, the insured pays the insurance premium to the insurance company at one time or on schedule, and the insurance company pays it at the agreed time, annually or monthly. This money can be used for providing for the aged and realizing earmarking.

Fosun Prudential Life Insurance Company launched a pension annuity insurance, the full name of which is Fosun Prudential Xinghai Winner (Celebration Edition), which attracted the attention of netizens. Many people have asked senior sister about this product. Is it worth buying?

Then below, the senior sister will lead everyone to make a detailed analysis of this product!

Before starting, friends who are not familiar with annuity insurance can learn about annuity insurance first and judge whether they are really suitable for buying: is annuity insurance good? Is there any pit? Do you have any good products?

The focus of this paper is:

How about Fosun Xinghai Winner (Celebration Edition) Pension Insurance?

What should I pay attention to when buying Fosun Xinghai Winner (Celebration Edition) pension insurance?

1. What about Fosun Xinghai Winner (Celebration Edition) Pension Insurance?

The guarantee content of Fosun Xinghai Winner (Celebration Edition) pension annuity insurance was compiled into a picture by seniors and sisters. Let's see:

As can be seen from the protection chart above, this product can be insured for people born between 30 days and 65 years old. It is a life-long guarantee product, and its guarantee responsibilities are mainly endowment insurance and death insurance. As long as the insured survives, the insured can always receive old-age insurance.

If the insured dies, the insurance company will pay the death insurance money as agreed.

Senior also found that this product has many bright spots, so let's go on:

1, flexible payment period.

Fosun Xinghai Winner (Celebration Edition) pension annuity insurance has set up multiple payment periods for policyholders to choose flexibly. It can not only choose to pay in batches, but also pay in one lump sum, which is suitable for those who have sufficient economic budget but don't want to consider paying later. There are also futures payment options, such as 3-year payment, 5-year payment, 10-year payment, 15-year payment, 20-year payment and 30-year payment. If the economic conditions are not sufficient, but you can save a small sum of money every year, you can consider choosing futures payment.

So what kind of payment period is appropriate? Maybe some friends still don't understand, so after reading this article, you will know how to choose: how to choose the payment term so as not to lose money?

2. Endowment insurance provides two schemes.

The flexibility of Fosun Xinghai Winner (Celebration Edition) pension annuity insurance also lies in that it provides two kinds of pension insurance protection plans, both of which can be guaranteed, but the guarantee period is different.

If the guarantee period of general pension annuity insurance is life, you can receive an annuity as long as you are alive. In this case, it is naturally beneficial for people who live long. However, in case of unfortunate death during the collection period, the pension annuity is not received, even if there is death protection, it is not a small loss.

With the guaranteed payment, the rights and interests of the insured can be better protected, and the policy beneficiaries can get a stable pension income.

The first plan of old-age insurance is to ensure that the collection period is 20 years.

The guaranteed collection period of Plan II depends on the selected starting age. For example, the starting age of the pension annuity is 55 years old (applicable when the insured is a woman), 60 years old and 65 years old, and the guaranteed collection time is 15 years; If the initial age of receiving the old-age pension is 70, it is guaranteed that the collection time will be 15 years.

In this way, the insured can flexibly choose the appropriate protection plan according to their own pension needs.

3. There are almost no exemption clauses.

Fosun Xinghai Winner (Celebration Edition) pension annuity insurance has few exemption clauses, which is also very beneficial to policyholders.

The exemption clause means that the insurance company is not liable for compensation. Under normal circumstances, no exemption clause means that the product can be insured in many areas.

There are about 3, 5 or 7 exemption clauses in general annuity insurance, but there are only 3 exemption clauses in Fosun Xinghai Winner (Celebration Edition) pension annuity insurance, which belongs to a rare category and can cover a wide range, so it is beneficial to the insured.

Many people may ignore the exemption clause when taking out insurance. I suggest you know more about it to avoid unnecessary disputes in subsequent claims: what is the exemption clause of insurance, and what do you think? If you don't understand, you will suffer a big loss!

4. Policy benefits are practical.

Fosun Prudential Xinghai Winner (Celebration Edition) Pension Annuity Insurance also provides policy loans, automatic premium payment and equity conversion. These rights and interests are very practical for consumers, take policy loans as an example.

Policy loans usually only require consumers to bring their valid identification, policy and the insured's written consent statement to the insurance company. Generally speaking, as long as the two sides reach a loan consensus, the loan speed of the insurance company is relatively fast, generally the longest loan period is 6 months, and the guarantee function of the policy will not be affected during the loan period.

Therefore, if the insured suddenly needs a sum of money to use, then the problem of urgently needed funds can be quickly solved through policy loans, and the insured still enjoys protection.

2. What should I pay attention to when purchasing Fosun Xinghai Winner (Celebration Edition) pension insurance?

From the above analysis, we know that Fosun Xinghai Winner (Celebration Edition) pension annuity insurance is really good. However, before applying for insurance, everyone should know this:

& gt& gt has no complete disability protection.

At present, many annuity insurance products provide not only death protection, but also total disability protection. This is because the consequences of total disability are also very serious, which will not only make people lose their ability to work, but also deprive people of their basic ability to live, and they need to be taken care of all the time, which will lead to more economic burden.

With the total disability protection, if the insured is unfortunately completely disabled, he can also get the corresponding insurance money to reduce the financial burden of the family.

Unfortunately, Fosun Xinghai Winner (Celebration Edition) pension annuity insurance has only death protection, but no total disability protection.

If you pay more attention to protection, you may wish to look at other annuity insurance products and find out the products that meet your protection needs: Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again!

Generally speaking, Fosun Xinghai Winner (Celebration Edition) pension annuity insurance has a small flaw, but it can meet the needs of the general public in pension planning as a whole. In particular, the endowment insurance fund has set up two protection plans, which allow the insured to choose flexibly and ensure the collection and income, and it is still worth choosing.

Of course, before you apply for insurance, you can learn more about this product and then decide whether to apply for insurance: if you want to apply for Xinghai Winner (Celebration Edition) pension insurance, you must pay attention to these points!