In order to facilitate your understanding, let's take a look at the contents of this insurance plan first ~
Before formally understanding this product plan, you can also learn about the double-glory insurance plan evaluated by AIA Ruyi Senior Sister ~
Is AIA Ruyi's insurance product plan good? Pay attention to these points 》
1. What are the characteristics of AIA Ruyi Double Peace of Mind Glory Insurance Plan?
In order to let your friends know the contents and characteristics of this insurance plan more intuitively, Senior Sister has made a chart, which you can have a look at first:
It can be found that the main risk of this product named AIA Ruyi Double Peace of Mind Glory Edition Insurance Plan is AIA Ruyi Double Peace of Mind Glory Edition Pension, but the additional risk is AIA Additional Peace of Mind Glory Edition Critical Illness Insurance.
Senior, I will analyze this plan with you in detail:
1. provide lifelong protection for death/total disability and serious illness.
The main risks set in AIA Ruyi's double peace of mind glory edition insurance plan are expiration protection responsibility and death/total disability protection, while the additional risks set up serious illness protection and death/total disability protection in the protection content.
As far as the main insurance is concerned, it can guarantee the insured's policy year of 85 years old. In fact, additional insurance can guarantee the life of the insured.
Although the main insurance does not reflect life insurance, the death/liability runs through the main insurance and additional insurance of the insurance plan. Even if the insured is not out of danger during the whole period of the main insurance, he can continue to enjoy the protection of serious illness, death/total disability provided by the additional insurance after obtaining the full amount of insurance money until his life.
2. Does not include mild and moderate disease protection.
In addition, it should be noted that the additional risks of this AIA Ruyi double peace of mind glory insurance plan are not responsible for minor illnesses in design.
If the insured is diagnosed with minor or moderate major diseases during the insurance period, the insurance company will not pay compensation.
If you want to get comprehensive critical illness protection by this additional insurance, that's not good.
3. There are few payment schemes.
And we should also note that there are only two payment schemes for this AIA Ruyi Double Peace of Mind Glory Insurance Plan, namely 15 or 20 years.
The key is that there is no wholesale delivery and no installment period is set.
For those groups whose income is high in the short term but their income situation is not very stable, it is of course more appropriate to choose the wholesale scheme; For those groups whose economic situation is not particularly good, the 30-year installment can obviously reduce the premium pressure to a greater extent.
It can be seen that the payment scheme of AIA Ruyi Double Peace of Mind Glory Insurance Plan has great limitations, and at least the above two groups of people are not suitable for buying this product.
If you want to know more about this product, if you are free, click on this article directly:
"AIA ruyi enjoys the peace of mind and glory version of the insurance product plan. Is the guarantee reliable?" 》
2. Do you want to start with AIA Ruyi's insurance plan of enjoying peace of mind and glory?
On the whole, this AIA Ruyi double peace of mind glory insurance plan can provide the insured with death/total disability and serious illness protection for life, which undoubtedly makes many people feel at ease.
In addition, the insurance plan can also provide health management services for the insured (including health consultation, health promotion and medical services), which the insured can consider.
However, this insurance plan only supports 15 or 20 years to pay premiums, and the guarantee period is relatively simple. Generally speaking, the flexibility of insurance rules is very low.
Moreover, the additional insurance does not include the protection of mild and moderate diseases, so the serious illness protection enjoyed by the insured is not thoughtful enough and is not worth buying. Therefore, everyone still needs to insure a complete series of critical illness insurance.
For example, Versailles plus of Tongfang Universal is excellent. You can analyze it:
"Versailles plus critical illness insurance has returned heavily, and you must look at the in-depth evaluation before buying! 》
Write it at the end
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