Huaxia Insurance is a regular and reliable insurance company. It is a national and joint-stock life insurance company approved by the Insurance Regulatory Commission of the Bank of China with a registered capital of 654.38+053 billion yuan. At present, it has 24 directly affiliated branches, with a total of 673 branches (including preparation), and has been selected as one of the Fortune 500 companies for two consecutive years.
The insurance products launched by Huaxia Insurance can only be sold in the market after being approved by the CBRC, which can be trusted. If you want to know more about Huaxia Insurance, you can read this article to learn more: Is Huaxia Insurance reliable? You should know these precautions!
Although the insurance company is reliable, whether the Ivy League pension insurance is worth buying should be analyzed in detail:
As can be seen from the above figure, the protection content of Ivy League insurance provides death/disability insurance benefits and maturity insurance benefits in terms of diseases and accidents. In other words, if the insured dies/is totally disabled, the insurance company will pay the insurance money as agreed. If the insured lives safely until the expiration of the guarantee period, the insurance company will return the due insurance money.
However, it should be noted that the exemption clauses of this product are as many as 10, which means that the insurance company does not assume the guarantee responsibility. The fewer exemption clauses, the more the insured can be protected. Most of the exemption clauses in the market are 3, 5 and 7. I didn't expect Ivy to have 10, which is not good for the insured.
Regarding the exemption clause, everyone should also pay attention to it when applying for insurance, and learn more about the relevant precautions: what is the exemption clause of insurance and how to treat it? If you don't understand, you will suffer a big loss!
Generally speaking, as a double insurance, the protection of Ivy League double insurance is still in place, but it should be noted that there are many exemption clauses, so we should carefully consider whether to buy it or not. In addition, if you want to buy more comprehensive insurance, senior sister suggests that you consider buying these types of insurance first: what is the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims?
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