1. Guaranteed payment: 65 to 90 years old, even if the insured dies, you can receive the survival allowance from the date of death to the age of 90.
2, two-wheel drive, double main insurance: universal double value-added.
3. Death protection: If you die at the age of 65, Taikang Happiness enjoys an annuity insurance with a death claim of 0, but there is also universal insurance, and the death claim is paid by the universal account.
4. 10000 yuan million medical deductible is a relative deductible, that is, the insured amount of social newspaper can also be deducted from the deductible.
Disadvantages:
1. Uncertainty of dividend income.
2. The low interest rate of universal insurance is too low.
3. the cost of enjoying c million medical insurance is high, and it still needs to be reviewed when the insurance is renewed in the second year.
Taikang Happiness Sega A was established by Taikang Group at the end of 20 17. Through the bancassurance channel (bancassurance channel). Introduce a good start insurance product to the market. He combines dividend annuity insurance, universal insurance and millions of medical care. Product mix, to be exact.
Taikang Happiness Sega consists of Taikang Happiness Exclusive Annuity Insurance (dividend-sharing type) and Taikang Jiafu 1 whole life insurance (universal type), which is aimed at high-net-worth people and meets the needs of asset allocation. So, is Taikang Happy Sega good? Insuring this product can ensure economic security in old age and prepare for old-age care in advance. When you are young, you can save idle funds and pay premiums. When you are old, you can receive a certain amount of survival money on schedule to supplement your pension.
The product characteristics of Taikang Happiness Sega can be summarized by lifelong care, two funds and three functions. Lifelong care means that Taikang Happiness Sega can provide cash flow as long as life, and guarantee it to the age of 105, without worrying about providing for the aged; The second fund refers to the survival fund and bonus. The survival fund is collected from the fifth year. If the insured dies before the age of 65, the premium paid will be refunded. If the insured survives to the age of 65, it is guaranteed to receive it until the last effective date before the age of 90. At the same time, Taikang Life Insurance can enjoy a dividend of not less than 70% of the distributable surplus of the current year, but the uncertainty of dividend depends on the actual expected income.