Huaxia Xiaodangjia Children’s Annuity Insurance can be said to be very popular on the Internet. I heard that the price/performance ratio is very high. Many friends are also asking whether the price/performance ratio of Huaxia Xiaodangjia Children’s Annuity Insurance is really that high. ? Is it really worth buying?
Senior sister is here to take you to analyze this Huaxia Xiaodangjia children’s annuity insurance today to see if it is as good as I heard!
Before we begin, my senior has prepared a popular science article about annuity insurance. You may wish to open it and read it first:
"Is annuity insurance good?" Are there any pitfalls? What are some good products? 》
1. The contents of Huaxia Xiaodangjia Children’s Annuity Insurance are disclosed!
Without further ado, I would like to present the product protection chart of Huaxia Xiaodangjia Children’s Annuity Insurance:
1. Flexible payment methods
Huaxia Xiaodangjia The payment method of children's annuity insurance is relatively flexible. On the one hand, you can choose to pay the premium in lump sum, or you can pay the premium in installments: 3 years, 5 years or 10 years. If parents do not want to bear too much premium pressure every year, they may wish to choose the longest payment period.
Some friends who are new to insurance may not know what single payment means. You can click below to find out more:
"What does single payment mean?" What are the benefits? 》
However, many children’s annuity insurance on the market can pay premiums in up to 15 or 20 years. Compared with Huaxia Xiaodangjia children’s annuity insurance, they can bring higher insurance leverage to consumers. Every year You can also spread more premiums.
2. Educational care benefits are paid for many years
Huaxia Xiaodangjia Children’s Annuity Insurance can pay 10% of the premiums paid every year when the insured reaches the age of 18-24. If he is safe and sound during this period, he will be able to receive insurance benefits for 7 years.
There are many children's annuity insurances with educational annuities, but generally they only pay from 18 to 22 years old. After comparison, Huaxia Xiaodangjia children's annuity insurance has two more benefits. Year.
According to normal circumstances, children aged 18-22 are the golden age for receiving college education. Most ordinary children’s annuity insurance can only reduce the burden at this stage, and Huaxia Xiaodangjia children’s annuity insurance The education and care allowance is allowed until the age of 24.
To put it bluntly, even if their children choose to go to graduate school or study abroad after graduating from college, parents do not have to worry about their education funds. Even if children directly join the workforce after graduation, they are supported in continuing to receive education and care subsidies before the age of 25 (not included). This money can just relieve their initial expenses in work.
3. Provides exemption of liability for the policy holder
Put simply, the policy holder’s exemption means that if the policy holder encounters an insured accident and complies with the provisions of the contract, the insurance company will no longer collect the policy of the remaining premium and the policy will not lapse.
Huaxia Xiaodangjia Children’s Annuity Insurance just has this insurance liability, and the exemption scope includes accidental death or total disability.
In general, even if parents suddenly encounter misfortune, Huaxia Xiaodangjiajia Annuity Insurance can continue to protect the growth of their children, at least their future college expenses are guaranteed.
2. Is Huaxia Xiaodangjia Children’s Annuity Insurance worth buying?
1. Single guarantee period
Huaxia Xiaodangjia children’s annuity insurance is actually a lifetime product. Compared with regular annuity insurance, the price will be higher, which will have a greater economic impact on consumers. There are certain requirements, and some working-class people may not be able to afford this insurance.
In order to cater to market needs, some insurance companies have launched annuity insurance products that can provide term and lifetime protection. People with different income levels can use them to provide protection. In comparison, they are more flexible.
2. Few policy benefits
The policy benefits, to put it bluntly, mean that in addition to the protection provided by the product, consumers can also obtain certain rights through the policy. Although Huaxia Xiaodangjia Children's Annuity Insurance also has policy rights, it only has two types: policy pledge loan and automatic advance payment, which is somewhat insufficient.
Some children's annuity insurance also has policy benefits such as reduced payment or additional insurance. The former can use the cash value of the policy to offset the remaining premiums when friends don't have enough money. , the latter can change the insured amount of the product within the agreed range according to its own economic situation.
Generally speaking, Huaxia Xiaodangjia Children’s Annuity Insurance is relatively good in terms of protecting children. However, the shortcoming is that this product does not provide regular protection and has high financial requirements for consumers. High, not cost-effective. Therefore, if you are not from a high-income family, it is best to look for suitable products again.
The space is limited. If you want to know a more detailed evaluation of Huaxia Xiaodangjia Children's Annuity Insurance, you can click below to view:
"Is Huaxia Xiaodangjia Children's Annuity Insurance good?" You will know after reading this article! 》
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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