Today, Senior Sister will take a look at the lifelong endowment insurance of Happy Life with everyone to see if it is really that good. Click on the link below to know the true face of a happy life and enjoy lifelong endowment insurance:
"I bought lifelong pension insurance. Can I really' enjoy life' when I am old? 》
1. What are the advantages of happy life insurance and lifelong pension insurance?
Product form diagram of life-long pension annuity insurance for happy life;
As can be seen from the above figure, the life-long pension annuity insurance for a happy life has the following advantages:
(1) The payment method is flexible and guaranteed.
The annuity collection method of the Happy Life Lifelong Pension Insurance is very flexible. If we analyze the collection settings, we mainly provide two forms: annual payment and monthly payment. People's financial habits are different, and both annual allowance and monthly allowance are supported. This setting can obviously meet the ideas and needs of more people.
In addition, Happy Life enjoys the annuity of life-long pension annuity insurance, which can be guaranteed for 20 years! This shows that even if there are risks in the middle of the collection stage, there is no need to be afraid that our annuity will still be paid to our family as scheduled when it reaches Shui Piao.
(2) Support policy loans
Happy Life enjoys life-long pension annuity insurance and provides policy loans. The maximum loan amount is 80% of the personal account, and the longest loan period is 6 months. When our life is short of budget, such as getting married, buying a house, educating children, seeing a doctor and so on. We can solve the problem of economic liquidity in a short time by taking the form of policy loan right. Secondly, everyone's annuity protection will never change, and the configuration is really intimate.
Through a detailed understanding of the above contents, I believe that everyone knows more or less the advantages of happy life lifelong endowment insurance. So, what are the defects of this kind of annuity insurance?
Second, happy life enjoys the deficiency of lifelong pension annuity insurance!
There are still many shortcomings in life pension insurance. Next, the senior will give you a detailed introduction:
(1) The insurance age range is narrow.
Enjoy a happy life, enjoy a life pension, and the insurance annuity is attractive for 20 years. However, the insurance age range of this product is particularly narrow, and it can support people aged 60 at most.
At present, the maximum insurance age of the same type of products on the market has been extended to 65 years old and 70 years old. After comparison, we can directly find that the age range of the happy life pension insurance is very limited, and then for many people with financial needs, consumers who intend to buy pension insurance have little chance.
(2) There is no universal account
Generally speaking, you can divide annuity insurance products into two accounts.
One is an annuity account: a fixed amount of money is returned within a certain period of time.
One is universal account: if the pension returned every year is not collected, it will automatically enter the universal account and be added twice according to the actual settlement interest rate.
Because considering that some policyholders have flexible capital turnover during the annuity collection period and do not need to spend money to do anything, it is obviously better to have one more channel that can selectively and continuously maintain interest-bearing income.
Therefore, at present, many annuity insurance products on the market have universal accounts, and such insurance products are also well received by consumers. However, the life-long pension insurance of Happy Life has no universal account option, which is essentially that the annuity can only be collected when it expires, and there is no extra opportunity to save and earn interest.
In addition, most annuity insurance also has shortcomings, so you must be careful when buying it. Don't fall into the pit, present the book of avoiding the pit:
Learn this trick and stay away from the 99% pit of annuity insurance.
Summary: Generally speaking, the life-long pension insurance for a happy life is generally cost-effective, although
The collection method is flexible and safe, supporting policy loans. However, the insurance age range of this product is narrow and there is no universal account, so it is not worth insurance.
This kind of pension insurance for a happy life is not very comprehensive and cost-effective. It is best to choose a more comprehensive and cost-effective pension insurance in the market:
The top ten commercial endowment insurance market with cost performance! 》
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