After all, it is a product of China Renshou. After the analysis, we can't reach an agreement. Want to know the specific situation, this article can look at:
How about China Life? What products are there and which one is good? 》
Can this endowment insurance (202 1 version) reverse word-of-mouth and achieve word-of-mouth counterattack? Let's announce the results for everyone!
1. Revealing the guarantee of old-age security (202 1 version)!
Endowment insurance (version 202 1) covers the following contents:
The combination of "Two All Risks+Additional Critical Illness Insurance * * * constitutes a combined product-China Life Pension Security (202 1 Edition), which reflects the simplicity of the coverage.
The above does not reflect the advantages of this kind of insurance, but it clearly shows its disadvantages:
1, the payment period is not flexible.
Payment years can only be selected from 10 years and 20 years. On the one hand, there are few choices, which cannot meet the short-term capital demand and wholesale demand.
Comparing it with the critical illness insurance in the market with the payment period of 30 years, the China Life Insurance (version 202 1) with the payment period of 20 years at most can feel its irrationality.
Because the longer the payment period, the better for the insured.
The annual premium will be relatively less, in contrast, the pressure to pay is not so great. If the exemption of the insured is attached, if the insured is in danger during the payment period, the premium exemption can be triggered if it is deleted.
In this way, you can avoid the subsequent premium, and the income of the policy remains unchanged.
2. Poor financial returns
For many people, it is best to have two insurances, that is, not only can you pay for your death, but you can also refund your money if you don't get out of danger at the expiration of the protection period. Can such a business lose money?
But is this really the case?
Senior to calculate an account for everyone:
30-year-old Xiao Li started with the 300,000-insured old-age security of China Life Insurance Company (version 202 1) and paid it in 20 years. If Xiao Li is not out of danger by the age of 70, there will be a refund of150,000 at maturity. The premium paid by Xiao Li is 146400, which is equivalent to saving money for 40 years and only earning 3600 yuan.
According to the bank's five-year fixed deposit rate of 2.75%, 146400 yuan was deposited in the bank for more than one year.
It can be said that the old-age security (version 202 1) is very poor compared with the above situation.
If your needs tend to be steady investment, friends can choose the following high-yield financial insurance:
High-yield financial insurance? Don't miss this 10 model again! 》
3, the security is small.
As mentioned earlier, China Life Insurance (version 202 1) is a combined product. And in terms of income, we can also look at the general endowment assurance and the additional critical illness insurance protection.
Not yet. Not so good.
Old-age security (version 202 1) has only three kinds of security: mild, severe and special diseases. Let's see if this guarantee is enough.
Astro boy is different. You can compare it. Only when astro boy Mu 1 meets the compensation standard can he pay extra 100% of the basic insurance coverage, which is equivalent to buying one and getting one free.
However, the national life insurance company's old-age security (version 202 1), the basic security is only 100%, which is much worse.
In addition, the most obvious shortcoming of China Life Insurance Company's old-age security (version 202 1) is that it does not provide the guarantee options of second payment and multiple payment for cancer.
In this era when cancer has become a common disease, the additional critical illness insurance for old-age security (version 202 1) obviously cannot meet people's demand for disease protection.
Second, is the old-age security (version 202 1) worth buying?
To sum up, the old-age security (202 1 Edition) which has always appeared in the form of endowment assurance, has been criticized by many people for its unsatisfactory benefits and security. Be cautious if you want to buy it.
This problem also deserves your attention. China Life Pension Security (version 202 1) has bound the responsibilities of main insurance and additional insurance.
Equivalent to, when the insured's 70-year-old security expires, China Life Pension Security (202 1 Edition) will soon disappear.
This condition is very restrictive for everyone. Assuming that the insured does not choose another part of health insurance within the specified time, it is almost impossible to buy suitable health insurance by the age of 70.
It is suggested that health insurance should be fully allocated first, and then financial management should be considered, so that the idea is in line with scientific insurance allocation.
There are ten critical illness insurances with high security and high cost performance on the list. Friends who want to learn insurance can learn:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
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