This is a product of China Renshou. Anyone who has inquired about it knows that people have always been divided on it. Want to know the specific situation, this article can look at:
The old-age security 202 1 version of "China life insurance" is newly launched, which has these shortcomings! 》
Can this old-age security (version 202 1) be countered? The results are published as follows. Come and have a look!
1. Revealing the guarantee of old-age security (202 1 version)!
We will show the contents of the old-age security (version 202 1):
"Two copies of all risks plus additional critical illness insurance * * * together constitute the old-age security of China Life Insurance (202 1 version), which is a simple form of security content.
The advantages of this product are not many, but its defects are particularly prominent:
1, the payment period is not flexible.
The payment period is monotonous, only 10 years and 20 years. Faced with such a choice, it is obviously impossible to meet the groups with sufficient short-term funds and wholesale needs.
Compared with the critical illness insurance in the market with the payment period of 30 years, the upper limit of the payment period of China Life Insurance (202 1 Edition) is 20 years, which is obviously unreasonable.
Because the longer the payment period, the better for the insured.
The annual premium will be relatively small, and the pressure of payment will be relatively small to a certain extent. If the exemption of the insured is attached, the premium exemption can also be triggered if the insured is in danger during the payment period.
This can avoid paying subsequent premiums and will not affect the benefits of the policy.
In the eyes of seniors, the most important thing is to save money. If you are still embarrassed about how to choose the payment period for different types of insurance, you can take a look:
"How to choose the payment period so as not to lose money? 》
2. Reveal the secret of due refund.
In many people's minds, the advantage of endowment assurance is that it can not only pay for the death, but also refund the money after the expiration of the guarantee period. Who can refuse to buy and sell at a loss?
Senior give you an example to see:
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. Xiao Li didn't get out of danger before he was 70 years old, but he still survived. In this case, Xiao received a refund of 6.5438+0.5 million yuan. 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.
In this way, the old-age security (version 202 1) is quite poor.
3, the security is small.
As mentioned above, the product of old-age security (version 202 1) is a combined product. In terms of income and return, the performance of endowment assurance in general, is the protection of additional critical illness insurance the same?
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.
Let's compare Astromu 1. Astromu 1 can only pay 100% of the basic guarantee for its serious illness, that is, buy one and get one free.
The national life insurance company's old-age security (version 202 1) can only pay 100% of the basic coverage for serious illness, which is much worse.
At the same time, the guarantee of second payment or even multiple payment for cancer is very practical. However, China Life Insurance (version 202 1) does not provide these guarantees at present.
In this era of common cancer, the additional critical illness insurance of China Life Insurance and China Life Insurance (version 202 1) is not enough to ensure people's demand for disease protection.
Second, is the old-age security (version 202 1) worth buying?
In a word, 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 returns and security. If you want to buy it, you need to study it carefully
Also, you'd better pay attention. No matter how it changes, it will not change that the main insurance and additional insurance of the old-age security (version 202 1) are bound to each other.
Equivalent to, when the insured's 70-year-old security expires, China Life Pension Security (202 1 Edition) will soon disappear.
This can't meet everyone's expectations. As long as the insured does not want to bear the rest of the cost of health insurance under the age of 70, it is almost impossible to buy suitable health insurance at the age of 70.
It is best to consider financial management (such as lifelong critical illness insurance) after the health insurance is fully configured. This insurance configuration idea is scientific.
Ten kinds of critical illness insurance with high security and high cost performance are on the list. Those who have insurance needs can refer to it:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
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