However, just before the start, we should be cautious about some pit prevention matters in the old-age security:
"The salesman won't tell you about these two insurances! 》
1. What is the cost performance of Evergrande's old-age security?
As usual, Senior Sister will directly send the product protection map of the 10th anniversary of Evergrande Endowment Insurance:
At first glance, Evergrande Pension Insurance, as an insurance product whose insurance coverage will increase, has many advantages, such as:
1, with a wide insurance age range.
Endowment insurance has liberalized the insurance threshold for people born more than 30 days to 70 years old. Compared with similar products with the highest insured age of only 60 years old, Evergrande's old-age security has more love for the elderly aged 60-70.
After all, it is inevitable that some elderly people want to buy an old-age security as a guarantee, which can guarantee their lives and their death. It can be seen that the endowment insurance is quite thoughtful for Evergrande's 10th anniversary, which deserves our praise!
2. The proportion of death compensation is high.
As we all know, many old-age insurances stipulate the payment ratio of death insurance. For example, for people aged 4 1-60, the contribution ratio is 140%. Originally, 140% was considered to be very high, but surprisingly, the old-age security was designed to be higher than it, higher than it 10%.
Therefore, the old-age security on Evergrande's 10,000-year-old anniversary is still very helpful for those friends between 465,438+0-60 years old. After all, they are almost the main source of family income. If they die in an accident, they need this death insurance money to help support the family expenses. If there is a higher compensation ratio, the more compensation will be left to the families of the deceased. Is this not good?
3. You can attach a general account.
In addition to the two special rights and interests of policy loan and insurance deduction, Evergrande Pension Insurance has also set up an additional heirloom (universal type), that is, a universal account can be attached. What is the meaning of this account?
To tell the truth, universal accounts can help us increase our income. Every year, the newly invested funds will generally appreciate with compound interest, which brings us another way to make money. It seems that endowment insurance knows the needs of customers very well!
Just because of the limited space, you can go to the following article to get a more detailed evaluation of Evergrande's old-age security:
Is Evergrande's "anniversary" worth buying? Do you want to rush a wave! 》
After I introduced the advantages of Evergrande's two-year coverage, it is estimated that everyone wants to focus on its income, so what is the income of this product and is it worth starting with? You can look at the following example!
2. Is Evergrande's income from endowment insurance high? Can we get started?
In order to help you understand as soon as possible, let's take Mr. Li, 30, as an example. Suppose Mr. Li is provided with a Evergrande endowment insurance, with a guarantee period of 100 years, and only needs to pay the premium of 100 yuan per year, and the accumulated premium is 300,000 yuan for three years, while the basic insurance amount is 2 15600 yuan. Then let's look at Mr. Li's.
The above picture tells us that when Mr. Li is 36 years old, the policy will last for the sixth year. At this time, the cash value of Evergrande's two-year policy is 306,286 yuan, which is already higher than the principal of 300,000 yuan. At this time, we know that this two-year policy of Evergrande will take six years to get back its capital, which is quite good in the market.
And times have changed. When Mr. Li is 80 years old, the cash value of the policy at this time is 160300 1 yuan, which is more than five times higher than the paid premium of 300,000. If Mr. Li wants to surrender his insurance at this time, his net profit can be 130300 1 yuan whether it is used to enrich his old-age life or not.
Third, the summary of the senior sister
In short, the cost performance of Evergrande's pension is excellent. Its advantages in insurance cover a wide age of insurance, a high proportion of death compensation and the possibility of attaching a universal account. The most important aspect is that the income of this product is very guaranteed and the return rate is very fast, only 6 years.
If a friend is eager to buy an old-age security with financial insurance, it is recommended to buy Evergrande old-age security.
Of course, in addition to old-age security, if you want to get high financial benefits, Senior Sister recommends this list of increased whole life insurance to your friends. You can look at it in detail:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
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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