Then, the senior sister will give a detailed evaluation of this pension insurance product. Friends who are interested in learning about this product, come and have a look with your sister!
Before we start, senior sister will give you a pit prevention guide for annuity insurance:
Learn this trick and stay away from the 99% pit of annuity insurance.
First, Everbright Yongming enjoys the content of pension annuity insurance!
As usual, let's take a look at the protection map of this product first:
As can be seen from the protection map, this is an old-age annuity insurance product, and the hesitation period is 15 days. And the payment period is agreed with the insurance company. Today, Senior Sister will analyze the content of this product from the following aspects.
1, insurance conditions
On the age of insurance, Everbright Yongming enjoys pension annuity insurance, which gives people who have been born for 30 days (and have been discharged from hospital healthily) to 64 years old the opportunity to apply for insurance. In other words, if the insured reaches the above-mentioned age range, there is a chance to successfully insure this product.
In terms of warranty, this product comes with a lifetime warranty. In other words, this product can bring long-term and stable lifelong protection to the insured.
Among the exemption clauses, the product has three exemption clauses. Compared with similar products with five or even seven exemption clauses on the market, there are not many exemption clauses.
So, what should we pay attention to when reading the exemption clause? Let's see what the experts say:
What is the exemption clause of insurance? what do you think? If you don't understand, you will suffer a big loss! 》
2. Guarantee content
As can be seen from the protection map, the coverage of Everbright Yongming pension insurance includes pension, death insurance and high disability insurance.
Among them, there are two ways to receive pension annuity: monthly payment and annual payment. If the pension annuity is received monthly, the monthly pension amount is 8.5% of the basic insurance amount. And if you choose to pay an annual pension, the annual payment is actually x100% of the basic insurance amount.
In addition, the starting age of receiving pension is divided by gender. Accurately speaking, the starting age of male pension is 60 and 65. There are three starting ages for women to receive pension annuity-55 years old, 60 years old and 65 years old.
Moreover, Everbright Yongming enjoys the death insurance benefits of pension annuity insurance products. If the insured dies unfortunately and fully meets the requirements, the insurance company shall pay the death insurance premium according to the greater of the insurance premium paid at the time of death and the cash value at the time of death.
High disability insurance requires that if the insured is confirmed as high disability as defined in the contract and meets the conditions, the insurance company will pay high disability insurance with reference to the greater of the premium paid at the time of high disability and the cash value at the time of high disability.
3. Other rights and interests
As can be seen from the protection map, other rights and interests of Everbright Yongming pension annuity insurance products provide policy loans and reduced contributions.
Among them, the meaning of deduction settlement refers to the one-time payment of insurance premium with the cash value corresponding to part of the basic insurance amount. Once the contract is changed to reduced insurance, the subsequent insurance premium does not need to be paid, and the annual insurance amount of the next policy year is calculated with reference to the reduced basic insurance amount.
Second, Everbright Yongming enjoys pension annuity insurance. Is it worth starting with?
Comprehensive analysis, Everbright Yongming enjoys pension annuity insurance, providing fewer exemption clauses, followed by an increase in high disability insurance, with a very rich coverage. But also covers two other practical rights and interests, namely, policy loans and reduced payments, and the overall performance is still good. You can choose whether to start the product according to your own protection needs.
If you want to know more about this product, you can supplement this evaluation article:
"How does Everbright Yongming enjoy pension annuity insurance? One article will know! 》
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!