The following sisters will give you an in-depth evaluation! This article can help you get familiar with annuity insurance in advance. If you don't know, let's take a look:
"Annuity insurance? Is there anything to pay attention to? Do you have any good products? 》
1. What is the performance of Huatai Jinding Annuity Insurance (dividend type)?
Not much to say, let's look at the picture directly:
1 insurance section
Huatai Jinding Annuity Insurance (dividend type) assumes that the insured has not died, and the insurance company can issue survival insurance and maturity insurance.
Survival insurance money is collected from the agreed time every year, from the fifth policy anniversary to the first policy anniversary before the policy expiration date. As long as the insured is still alive, he can get the basic insurance amount every year.
Huatai Jinding Annuity Insurance (dividend type) can enable the insured to obtain the annuity more quickly, and the protection period provided by Huatai Jinding Annuity Insurance (dividend type) belongs to the short-term and medium-term.
If you have short-term and medium-term investment needs, you'd better consider insuring this product.
Let's talk about expiration insurance. If the insured has not died at the expiration of the contract, you can receive the accumulated premium in one lump sum.
If the insured dies unfortunately within the warranty period stipulated in the contract. There are two ways for insurance companies to settle claims, that is, to pay accumulated premiums or cash value.
Depending on the items paid, you need to see more items paid when you die.
2. The policy has rich rights and interests.
The policy interests of Huatai Jinding Annuity Insurance (dividend-paying type) are still diversified, which can be examined and approved by means of insurance reduction and policy loan.
What are the key points of reducing and retaining people? Here, senior sister leads us to study.
As the name implies, reducing insurance is to reduce the amount of insurance. During the validity period of the contract, we can submit a written application to the insurance company, asking the insurance company to reduce the basic insurance amount, but the reduced basic insurance amount cannot be lower than the minimum amount specified when applying for reduction.
Just like some friends in the process of safety, the economic turnover suddenly failed, and they need a sum of money to deal with it.
At this time, you can apply for "insurance relief". After the insurance is reduced, the insurance company will refund the cash value corresponding to the reduced insurance amount to the insured.
We can use this money to get rid of the current predicament.
Dividends are uncertain.
Dividend insurance means that after the end of each year, the insurance company will start to summarize this year's profits and distribute 70% of the distributable surplus to consumers who choose this product for insurance.
My senior also analyzed before that many friends pursue "dividend insurance", that is, they think that if they have dividends, they may enjoy higher income.
But in fact, the "dividend" in dividend insurance is not fixed.
The insurance company determines the dividend distribution of this year according to the operation of dividend insurance in the previous year.
The scheme, that is to say, whether dividend insurance has dividends, is closely related to the operation of insurance companies.
Sometimes the dividend that may be distributed will be considerable, and sometimes it will be small or even zero. ...
Moreover, as consumers, we have no right to interfere in the operation of insurance companies, so the key to the final dividend is the decision of insurance companies.
Huatai Jinding Annuity Insurance (dividend-paying type) has set up three ways to receive dividends, corresponding to cash collection, accumulated interest and insurance premium payment respectively.
If you don't choose the form of dividend collection when you apply for insurance, most of them are handled by accumulating interest.
Seeing this, if you want to know more about this Huatai Jinding annuity insurance (dividend-paying), you can click here:
"Huatai Jinding Annuity Insurance (dividend type) needs to pay attention to these points before buying"
2. Is Huatai Jinding Annuity Insurance (dividend type) worth starting with?
Generally speaking, Huatai Jinding Annuity Insurance (dividend type) is cost-effective and comprehensive, and this product is still worth buying.
Of course, there are other cost-effective products on the market, and Senior Sister has compiled a list of annuity insurance. Friends in need may wish to have a look:
"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.
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