So, Senior Sister will give you a professional test today.
Then, friends who have been particularly interested in this insurance product, remember to have a good look.
Before we start, let's sort out an article about lightning protection of annuity insurance:
Learn this trick and stay away from the 99% pit of annuity insurance.
1. What is the performance of Ping An Fu Ying Jinsheng Annuity Insurance?
Before it's too late, let's take a look at the product protection map:
After a brief understanding of the above figure, we find that the protection responsibility of Ping An Fu Ying Jinsheng Annuity Insurance is relatively simple.
Specifically, there are survival money, maturity money, special survival money and death insurance money.
Then, let's take a look at several major aspects and analyze them carefully ~
1, special living allowance
Senior sister is here, and the plan is to focus on raising special survival funds for everyone. The collection of the special survival fund of Ping An Fu Ying Jinsheng Annuity Insurance is inseparable from the payment period selected by the insured.
Ping An Fuying Jinsheng Annuity Insurance has three payment periods, and consumers can choose five, ten and fifteen years.
If the insured chooses a five-year payment period, pay 50% of the annual premium on the fifth and sixth policy anniversaries, and pay attention to getting half of the annual premium every year.
If the payment period chosen by the insured is 10 year, then the insured will survive on the 5th, 6th, 7th and 8th anniversary of the policy and get 50% of the paid premium every year.
If the insured chooses the payment period of 15 years, they can get more special survival funds.
As long as the insured is alive from the 5th to the 10 anniversary, the insurance company will pay 50% of the annual premium every year.
2. Rich rights and interests
Ping An Fuying Jinsheng Annuity Insurance supports automatic prepayment and policy loan rights.
These two rights and interests are very common in daily life, and they are also two practical rights and interests.
Some friends may not know much about the use of these two permissions.
Give your friends a good look ~
& gt& gt Auto-fill
The purpose of this right is mainly when the insured's premium can't be paid for the time being, but he doesn't want the effectiveness of the policy to disappear.
Just as the insured is suddenly short of money and can't pay the subsequent premium, then you can choose to pay in cash.
Generally, if the premium has not been paid after the grace period, it means that "automatic payment" has been chosen.
The unpaid premium will be deducted by the insurance company with the cash value of the policy, and the contract is still valid.
It is worth noting that the grace period of Ping An Fu Ying Jinsheng Annuity Insurance has reached 60 days.
& gt& gt insurance policy loan
Policy loans are suitable for a variety of scenarios. If there is a problem in the economic turnover during the guarantee process, a sum of money is urgently needed.
Then you can use the policy loan function.
If we want to use this right, we have to apply to the insurance company. After the insurance company agrees, we can apply for a policy loan.
When lending according to the policy, the amount that can be loaned is the cash value of the policy.
The maximum loan amount should be less than the cash value minus 80% of all arrears.
Moreover, the loan has a term, and the longest loan term cannot exceed 6 months.
Aside from these contents, perhaps many small partners are actually looking forward to the income part of Ping An Fu Ying Jinsheng Annuity Insurance.
However, the chapters are limited, and the seniors arranged the income content of Ping An Fu Ying Jinsheng Annuity Insurance in this article.
If you want to know, you can come here:
What is the income of Ping An Fu Ying Jinsheng Annuity Insurance? Tell you in one article! 》
Second, is Ping An Fu Ying Jinsheng Annuity Insurance worth starting with?
After reading the above comments, I believe everyone knows.
In fact, in a word, the performance of Ping An Fu Ying Jinsheng Annuity Insurance did not make people shine, and there was no advantage. The overall performance is relatively unremarkable and not worth buying.
Here, Senior Sister has prepared an excellent evaluation of similar products for everyone. You can compare:
"Guangming Huixuan pension annuity has a high income? The answer is in the text ... "
Write it at the end
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