Today, I would like to take this opportunity to introduce this product to you and see if it is worth buying.
Before entering the text, I will send you an annuity insurance purchase guide, which you need to take yourself:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. How about Taikang Lekang Life Pension Insurance? OK or not?
Sister showed the product form of Taikang Lekang Life Insurance as usual:
As can be seen from the figure, Taikang Lekang Life Pension Insurance is not complicated. I believe that friends have a deep understanding of this product after reading the above picture.
Then the seniors stopped nagging and began to analyze!
1, the insurance conditions are relaxed.
The insurance conditions of Taikang Lekang lifelong pension annuity insurance mainly refer to three aspects: insurance age, insurable period and payment period. Senior sister will explain them one by one.
In terms of insurance age, this product allows consumers to be insured from 30 days to 64 years old.
I have to mention that this range is quite wide. Whether it is a baby who has just been born for a long time or an older person, there is an opportunity to protect their old age through this product.
Now let's look at the warranty period. Although there is only one choice, it can be directly guaranteed to be 105 years old, which is extremely friendly to people with long-term financial planning.
Finally, in terms of payment period, Taikang Lekang Life Pension Insurance has also done a good job, with wholesale payment of 5/ 10/ 15/20 years, which is convenient for consumers to choose according to their actual situation.
2. General account can be attached.
When consumers apply for Taikang Lekang life pension annuity insurance, they can completely attach whole life insurance (universal type) to Taikang Xin account, and the additional insurance includes universal account.
Some friends should not know much about universal accounts. Actually, this is an investment account.
When the survival fund can be withdrawn, if you are not in a hurry to withdraw it, you might as well deposit the money in your account, and then the money will automatically increase in value at a certain interest rate.
Moreover, it is worth mentioning that if certain conditions are met, the money in the universal account can be accessed at any time, which is very humanized.
If you want to compare other similar products, you can look at Yangduoduo No.3 pension annuity insurance, and the income is also considerable ~
"Everyone has a lot of No.3 pension annuity insurance, and it is a heavy attack. An analysis! 》
3. Cash value equity is practical.
According to the terms of Taikang Lekang Life Pension Insurance, its cash value interest covers policy loans and insurance deductions, which is very practical.
After the insurance company approves the policy loan, the insured can lend a part of the cash value, and the maximum loan amount cannot exceed 80% of the cash value. In addition, the second loan needs to be repaid within 6 months.
Reducing insurance can be said that the insured can apply for reducing the basic insurance amount and withdraw the cash value corresponding to the reduced basic insurance amount.
When we encounter some urgent need for money, such as traveling and organizing children's weddings. We can make full use of the policy loan or insurance deduction function to alleviate the economic pressure.
Having told you so much, you should still want to know more about the specific benefits of Taikang Lekang Life Pension Insurance.
Due to the limited space, Senior Sister demonstrated the benefits of this product below:
Is the income of Taikang Lekang life pension annuity insurance high? Look before you buy it! 》
Second, is Taikang Lekang Life Pension Insurance worth starting with?
From the above, Taikang Lekang Life Pension Insurance has performed very well in terms of insurance conditions, universal accounts and cash value rights and interests. At present, the market competitiveness is strong and it is worth buying.
After all, many friends want to buy old-age insurance, so I suggest starting with this product.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!