But don't forget that this is a product of China Renshou. Everyone who has inquired about it knows it, and people often have different opinions. For more information, please refer to this article:
How about China Life? What products are there? 》
Can this old-age security (version 202 1) be countered? Next, the senior sister will take you to analyze!
1. Revealing the guarantee of old-age security (202 1 version)!
The following * * know about the security content of the old-age security (version 202 1):
China Life Pension Security (202 1 Edition) is a combined product, which contains two copies of all risks and additional critical illness insurance, and is a simple form of security content.
There are not many advantages, but the disadvantages are very obvious:
1, the payment period is not flexible.
The payment period of old-age security (version 202 1) can only be selected from 10 and 20 years. For those groups with sufficient short-term funds and wholesale needs, such a choice cannot satisfy them.
At the same time, compared with the critical illness insurance with the payment period of 30 years, the upper limit of the payment period of China Life Insurance (202 1 Edition) is 20 years, from which we can feel its irrationality.
Because the longer the payment period, the less the annual premium, which can alleviate the pressure of payment to a certain extent. If the exemption of the insured is attached, and the insured is in danger during the payment period, the premium exemption can also be triggered in these cases.
This can avoid the subsequent premium, and at the same time will not affect the income of the policy.
In my opinion, the most important thing is to save money. If you are confused by multiple choices of different insurance payment periods, you can take a look:
"How to choose the payment period so as not to lose money? 》
2. Poor financial returns
In many people's understanding, the advantage of endowment assurance is that it can not only pay compensation for death, but also refund money if there is no danger after the expiration of the guarantee period. Can such a business lose money?
Is that really the case?
Senior give you an example to see:
30-year-old Xiao Li started with the old-age security (version 202 1), and China Life Insurance Company paid 300,000 yuan, which was paid in 20 years. Xiao Li was not out of danger until the security expired at the age of 70, so she returned150,000 yuan to Xiao Li. 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.
Under such circumstances, we can only say that the performance of the old-age security (version 202 1) is very poor.
3, the security is small.
As mentioned above, the old-age security (version 202 1) is a combined product. In terms of income, endowment assurance's performance can be said to be average, so what about the protection of additional critical illness insurance?
Not as good as I thought.
Old-age security (version 202 1) has three kinds of security, namely mild illness, serious illness and special disease. This guarantee is really not enough.
Let's compare it with Mu Tong 1. As long as the compensation standard is met, a copy of Mu Tong 1 can pay an additional 100% of the basic critical illness insurance amount, which is equivalent to buying a copy for free.
The national life insurance company's endowment insurance (version 202 1) only pays 100% of the basic insurance amount for serious illness. Far from it.
At the same time, the old-age security of China Life Insurance Co., Ltd. (version 202 1) does not provide the option of second payment or even multiple payment for cancer.
In the era of frequent cancer, the demand for people's disease protection by China Life Insurance Supplementary Critical Illness Insurance (202 1 Edition) is still unsatisfactory.
Second, is the old-age security (version 202 1) worth buying?
To sum up, although China Life Insurance (version 202 1) is double insurance, its income and security are not very good, so it is not worth buying.
It should be noted that the main insurance and additional insurance provided by China Life Insurance (version 202 1) are already in a binding state.
That is to say, after the 70-year-old guarantee expires, China Life Pension Insurance (202 1 Edition) and its subsidiary critical illness insurance will no longer fulfill their guarantee obligations.
This can't meet everyone's expectations. If the insured does not choose to buy another health insurance at this age, it will be difficult for a 70-year-old person to buy suitable health insurance.
Considering that the financial management should be after the health security allocation is sufficient, such an insurance allocation idea is scientific.
Ten lists of critical illness insurance with high security and high cost performance can help friends who want to insure:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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