Endowment assurance is both alive and dead. If the insured dies unfortunately within the guarantee period and meets the requirements, he can get compensation from the death insurance money; If you are still in a state of survival during the guarantee period, those who meet the conditions can get a survival insurance money. For those who don't know much about the two risks, take a look at this popular science article first: the salesman will definitely not tell you about the two risks!
Let's introduce Li Xiang Ankang Pension Insurance to see if this product can really achieve "satisfactory results". You can have a simple understanding of this product through the protection diagram first:
1, insurance rules
The age range of the insured in Li Xiang Ankang endowment insurance is 18-50 years old. Compared with the similar products with the upper limit of 70 years on the market, the age range of this product is relatively narrow, which can support people aged 50 to insure.
In the warranty period, this product can be guaranteed for 20 years, 25 years or 30 years, which is more suitable for people who pursue medium and long-term protection. The payment period is 10 for 20 years, 15 for 25 years and 20 years for 30 years.
In addition, the product has nine exemption clauses. The exemption clause simply means that the insurance company does not guarantee anything and does not bear any responsibility. Compared with the same type of products, there are only 3 or 5 exemption clauses, and this product has more exemption clauses.
If some friends still have questions about the exemption clause, you can learn more about it through this in-depth article: What is the exemption clause of insurance? What do you think? If you don't understand, you will suffer a big loss!
2. Guarantee content
The security content of the old-age security in Ankang, Li Xiang is easy to understand, that is, death security+expiration survival security.
If the insured survives until the expiration of the insurance period and meets the requirements, the insurance company will pay 105% of the premium paid.
If the insured dies due to accidental injury, or dies 90 days after the contract comes into effect or the last reinstatement (whichever is later) due to reasons other than accidental injury, the insurance company will pay 1 18% of the basic insurance amount.
If the insured dies due to reasons other than accidental injury within 90 days after the contract comes into effect or after the last reinstatement (whichever is later), it shall pay 105% of the paid premium if the conditions are met.
Generally speaking, the performance of Li Xiang Ankang old-age security is quite satisfactory, with limited age range, more exemption clauses and slightly lower cost performance. If you want to buy a more cost-effective endowment assurance, you can refer to this list: the old-age security dividend ranking list is newly released! Is there anything you like?
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