China has entered the stage of aging and declining birthrate, and the problem of providing for the aged is an unavoidable problem. When people are old, the problem of providing for the aged is the most difficult to solve. Only when the pension is enough for their old age can they be more stable!
Apart from social security, our only reliance is commercial pension insurance, just like a "Hengjiafu Pension Annuity Insurance" of Evergrande Life Insurance Company, which is said to meet more pension needs.
What the senior should do is to help you analyze this product and see if it can help us reduce the burden of old-age care!
If you want to know this Hengjiafu pension annuity insurance in advance, don't miss this article:
Want to know how "Hengjiafu Pension Insurance" works? An article tells you! 》
First, the security of Hengjiafu pension annuity insurance is revealed!
Senior, before it's too late, let's go directly to the above picture:
1. insurance age analysis
Hengjiafu pension annuity insurance allows people who have been born for 30 days and have been discharged from hospital healthily-69 years old (inclusive), and the maximum underwriting age is 69 years old. Compared with many old-age insurance on the market now, its insurance age threshold has been relatively low.
There are many conditions for the insurance age of pension annuity insurance that are more demanding than this product. The maximum insurance age can only reach 60 or 65 years old. Hengjiafu pension annuity insurance can be purchased by people aged 69 at most, which can cover the needs of more people and let more people participate!
2. Analysis of payment period
There are four options for the payment period of Hengjiafu pension annuity insurance * * *, mainly including wholesale payment, 3-year payment, 5-year payment and 10-year payment, which can largely match the different incomes of all kinds of people. You can choose freely in this product whether you pursue one-time payment, short-term payment or medium-and long-term payment!
Different from those products with only two or three payment cycles of the same type on the market, the payment cycle of Hengjiafu pension annuity insurance can give you higher flexibility.
3. Analysis of the starting age of receiving pension
The starting age of Hengjiafu pension insurance for men and women has regulations. The starting age for men to receive a pension is 60/65/70 years old, and that for women is 55/60/65/70 years old. It can be seen that the pension age of this product is closely related to the retirement age of men and women.
And the options are not only this, but also how to choose the age that is most suitable for receiving pension annuity according to your own situation, which is very humanized!
In addition, the financial life insurance products on the market at present are not only annuity insurance, but also "incremental whole life insurance" which is a very good financial management tool. You can learn more and give yourself a choice:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
4. Analysis of other rights and interests
According to the product chart, Hengjiafu pension annuity insurance supports policy loans. This right is simply that the insured can mortgage the policy held by the insurance company and then apply for a loan on the basis of a certain percentage of the cash value of the policy.
Policy loans support our sudden need for cash during the payment period, and we can take out the money to alleviate the poor cash flow. Moreover, when handling the policy loan, our insurance protection is still the same as before, so the effectiveness of the policy still exists!
It can be seen that this kind of policy loan interest provided by insurance products is still necessary!
Second, the senior sister suggested
As can be seen from the above, the security content of Hengjiafu pension annuity insurance is remarkable, which is reflected in the fact that the age conditions for insurance are not harsh, the payment period provided is very rich, and there are more age options for receiving pension annuity. If you think this product can meet your needs for the aged, you can consider insurance.
However, senior sister suggested that when you are going to buy Hengjiafu pension annuity insurance, you'd better compare it with other products before deciding which one is right for you!
After all, there are still many excellent pension insurance products on the market. If you don't know where to find it, you can look at this annuity insurance list of senior sister:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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