After all, this is the product of China Renshou, and everyone has their own views on this understanding. What is the specific situation? Look at this article and you will know:
How about China Life Insurance? What are the pit routines and in-depth analysis?
So can this old-age security (202 1 version) be countered? Sister Xue leads everyone to reveal the following answers!
1. Revealing the guarantee of old-age security (202 1 version)!
The following is the coverage of old-age security (version 202 1):
China Life Pension Security (202 1 Edition) is a combined product with both risks and additional critical illness insurance. Relatively speaking, the content and form of China life insurance for the aged (version 202 1) are relatively simple.
We don't see many advantages from the point of view, but its disadvantages are:
1, the payment period is not flexible.
Old-age security (version 202 1) has a payment period of only 20 years except 10. On the one hand, there are few choices, which cannot meet the needs of groups with sufficient short-term funds.
At the same time, compared with the critical illness insurance with a payment period of 30 years, the upper limit of the payment period of the old-age security (202 1 version) is 20 years, from which we can feel its irrationality.
The longer the payment period, the better the insured.
The annual premium will be smaller, and the pressure of payment will be smaller. If the exemption of the insured is attached, the premium exemption can also be triggered in this way if the insured is in danger during the payment period.
In this way, you can avoid the subsequent premium and the income of the policy will not change.
2. Poor financial returns
In the eyes of many people, the advantage of endowment assurance is that it can not only pay for the death, but also refund the money if there is no danger after the expiration of the guarantee period. The profit of this transaction is stable.
Is this a reality?
We will calculate from the following example:
30-year-old Xiao Li started with the 300,000-insured old-age security of China Life Insurance (version 202 1) and paid it in 20 years. If Xiao Li is not out of danger until the 70-year-old guarantee expires, he can get a refund of150,000. 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.
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3, the security is small.
As mentioned earlier, the old-age security (version 202 1) is a combined product. In terms of income, endowment assurance's performance can be said to be average. Let's take a look at the protection of additional critical illness insurance.
It is also unsatisfactory.
The endowment insurance of national life insurance companies (202 1 version) has related guarantees, including mild illness, serious illness and special diseases. If so, it is definitely not enough.
Take a Mu Tong 1 for comparison. As long as the compensation standard is met, 100% of the additional basic insurance amount can be paid by a Mu Tong 1, that is, the insurance amount is buy one get one free.
The national life insurance company's endowment insurance (version 202 1) only pays 100% of the basic insurance amount for serious illness. Not half an inch.
Moreover, the national life insurance company's old-age security (version 202 1) does not even provide a very practical guarantee for double compensation and multiple compensation for cancer.
In this era of high incidence of cancer, people's demand for disease protection can't be met by the supplementary critical illness insurance for old-age security (version 202 1).
Second, is the old-age security (version 202 1) worth buying?
To sum up, the old-age security (version 202 1) is double insurance, but the income and security are not very good. It is really not recommended that you buy it blindly.
In addition, you must understand that the main insurance and additional insurance provided by the old-age security (version 202 1) are already in a constrained state.
When you think about it carefully, it's just that after the expiration of the 70-year-old insurance for the insured, China Life Pension Insurance (202 1 Edition) and its subsidiary critical illness insurance no longer fulfill the guarantee obligations.
This clause is very bad. Assuming that the insured has not got the remaining health insurance during this period, it is almost impossible to buy suitable health insurance at the age of 70.
It is my suggestion to consider financial management after the health insurance is fully configured, so that the idea is in line with the scientific insurance configuration.
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Write it at the end
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