Everyone wants to know about the stable win xinsheng annuity insurance underwritten by Shanghai Life Insurance, and I hope my senior sister will further evaluate it. How can a senior who is familiar with insurance miss it? Then, I will carefully analyze the stable win of Xinsheng annuity insurance for everyone.
Friends who don't know about annuity insurance may wish to learn about it through this popular science:
"Annuity insurance? Is there anything to pay attention to? Do you have any good products? 》
First, content analysis wins Xinsheng Annuity Insurance!
Senior sister first presents the product protection map for everyone:
1. Insurance rules
Wenying Xinsheng Annuity Insurance supports people aged 28 days (discharged from hospital healthily) to 75 years old. Senior sister learned that many annuity insurance products on the market can only be insured by people under 65 or 70. It has been compared that the age range of winning Xinsheng annuity insurance is not small, which is more intimate for the elderly. In addition, in terms of hesitation period, the hesitation period of the stable win Xinsheng annuity insurance is 15 days, which can guarantee life.
In terms of payment period, there are four options for the stable win Xinsheng annuity insurance-wholesale payment, 3-year payment, 5-year payment and 10-year payment, which are rich and humanized. The insured can choose different payment periods according to their own needs, which is suitable for more people.
In this senior's view, if you are worried that paying premiums in a short time will cause too much economic pressure on yourself, you can choose a longer payment period. Because, other things being equal, if you choose a longer payment period, the annual premium will be lower and the economic pressure will be less. If you have a large budget and are afraid of forgetting to pay the premium in the future, senior sister recommends that you choose to pay the premium, which is simply a sexual intercourse premium.
2. Guarantee content
The guarantee content of the stable win Xinsheng annuity insurance is easy to understand. There are three items in total, including special survival insurance, survival insurance and death insurance.
If it is qualified to start the stable-win Xinsheng annuity insurance, the insurance company will pay the special survival insurance premium according to the accumulated premium of 10% from the10 policy anniversary to the 19 policy anniversary (inclusive); As for the 20th policy anniversary and any subsequent policy anniversary, if it meets the requirements, the insurance company will compensate 100% of the basic insurance amount as the survival insurance.
In case the insured dies, the beneficiary can also get a death insurance if the conditions are met.
If you are interested in winning Xinsheng Annuity Insurance and want to know more, this in-depth evaluation should not be missed:
In-depth evaluation of Shanghai Life Insurance's winning new-born annuity insurance! Read it before buying! 》
Second, is it worthwhile to start winning new-born annuity insurance?
In a word, Steady Win Xinsheng Annuity Insurance is a relatively basic annuity insurance product in the setting of protection content. It is extremely loose in setting the age range of insurance, very caring for the elderly, and flexible in setting the payment period.
Let's take a look at the protection content. Protection is not difficult to understand. Special survival insurance, survival insurance and death insurance are provided by most annuity insurance companies in the market, and their protection can be said to be relatively basic. In addition, the benefits provided by Steady Win Xinsheng Annuity Insurance also include policy loans.
It is precisely because of the insufficient protection of the new annuity insurance that the protection is not very advanced compared with some better annuity insurance on the market. Dear friends, you should know that some excellent annuity insurance products on the market, on the one hand, have these basic guarantees, and even provide total disability protection, birthday allowance and education allowance. This will be more comprehensive.
If the guarantee of the stable win Xinsheng annuity insurance meets your own needs, it also proves that this product is an ideal product for the insured and worth buying.
However, in the view of senior sister, you can look at other annuity insurance products of the same type on the market and compare them, so you may find products that better meet your needs! But we need to pay attention to one thing, remember when choosing, and judge and choose according to your actual needs.
Finally, if you want to know what annuity insurance is worth buying in the market, take a look at this list of annuity insurance compiled by senior sister:
"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 an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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