Its insurance product plans, such as Hong Zhong Health Red Star Sublimation Edition, Hong Zhong Health Rising Star Sublimation Edition, Hong Zhong Health Rubik's Cube Manai Edition, have good cost performance.
So what is the cost performance of Hong Zhong Life's best-selling exclusive life insurance product plan? Is it worth starting with? Let's give you an evaluation!
This article can help you understand the background and strength of Hong Zhong Life. If you don't know, let's take a look:
How about Hong Zhong Life Insurance? What products are there? What are the good ones? What are the pitfalls? In-depth analysis.
1. What's the performance of Hong Zhong's annuity insurance?
Senior, let's find out the protection map of life insurance product plan first, so that everyone can see it more intuitively and clearly:
As can be seen from the above figure, the main contents of the life insurance product plan are universal insurance and dividend insurance, and the protection contents include survival annuity and death insurance.
There's really nothing fancy about enjoying life, but the senior found many tricks:
1. Dividends are not fixed.
I believe that many people will find it very interesting to see the "dividend" of enjoying life: they can participate in the company dividend and may make a fortune at the end of the year!
But the real bonus is not necessarily what you think:
At first, in the insurance clause of enjoying the present life, it was clearly written that "dividends are not guaranteed". As long as you don't know the date of dividend, how much dividend consumers can get is unknown, and the dividend is zero.
And even if there is a dividend insurance clause, 70% of the remaining profits that this insurance company can distribute in one year should be dividends, and then distributed to the insured in proportion.
However, there is still a problem. We know nothing about the distributable surplus of the company, and we are not sure what proportion to allocate it. The insured does not know all the information at all.
In other words, it is unrealistic to want to insure dividend insurance and get considerable dividends, and the income is uncertain.
These questions about dividend insurance must be understood when buying insurance! Poke the link below to understand:
"Why is the complaint about dividend insurance so high? Unveil the mystery of dividend insurance. "
2. Universal account guarantees low interest rate.
Now the guaranteed interest rate in life insurance is 2%, which is already a relatively low level in today's annuity insurance market!
Some friends want to say, if you want to use the guaranteed interest rate of universal account to express the minimum income, it is not accurate to calculate the income if you really use this, right?
However, we must understand that the "guaranteed interest rate" set by the insurance company also represents the part that we, as consumers, can definitely get from the insurance company, which is our very certain income.
If this part is far from achieving the expected results, let alone counting on those uncertain benefits? This is obviously very unrealistic.
As for the interest rate, the universal account will be 2.5% or even 3%. It's a bit disappointing to enjoy life just by protecting capital and interest.
Generally speaking, enjoying life as dividend insurance can be combined with universal insurance, but the protection of these two parts is relatively general, and the overall performance can only be said to be quite satisfactory.
2. What annuity insurance is worth insuring?
Of course, there are still many good annuity insurance in the market. For example, this annuity insurance-Taikang has an annuity insurance, which has sold well recently.
Senior, I won't tell you about the past. This is a photo to protect the years. Senior directly dedicated to you:
Taikang's contract advantage is very obvious. The guarantee payment period of survival insurance money is 25 years, which ensures the relative stability of consumers' income.
During the period of receiving the subsistence allowance, you can still receive the subsistence allowance for 25 years, whether you are dead or not, which is great for consumers!
Additional universal account, Taikang Year can also make an appointment, the key is that its guaranteed interest rate is also very good, mainly reflected in the proportion as high as 2.5%.
You may think that the guaranteed income is relatively low, so you are worried. You can choose the guaranteed interest rate level with complete confidence.
Due to the limited space, if you are interested in this annual contract insurance, you may wish to read this article:
"Taikang has the real income exposure of annuity insurance in a year. How much can it earn in a year?" 》
Write it at the end
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