CITIC Prudential's "Golden Stone Profit" annuity insurance can be said to be very popular on the Internet. I heard that the cost performance is very high, and many small partners are asking, is the cost performance of CITIC Prudential's "Golden Stone Profit" annuity insurance really that high? Is it really worth buying?

If you want to know about this product in advance, you can click on the following article:

I heard that CITIC Prudential's "Jinshi Profit" annuity insurance is good? You will know after reading the evaluation!

1. What are the advantages of the coverage of CITIC Prudential's "Jinshi Profit" annuity insurance?

Needless to say, let's get familiar with the product diagram of CITIC Prudential's "Golden Stone Profit" annuity insurance:

1. Analysis of insurance conditions

As can be seen from the product diagram above, CITIC Prudential's "Golden Stone Profit" annuity insurance allows people who are born from 7 days to 7 years old to apply.

You know, the upper age limit for most products of the same type on the market today is generally set at 65 years old.

In contrast, this product obviously has a wider age range, which gives the elderly people a chance to get protection.

In addition, the warranty period of this product is within 15 years of age of the insured, which is relatively long now.

Let's look at the payment period. The payment period of this product is linked to the insurance age.

If you are a small partner who is born from 7 days to 65 years old, you can consider choosing wholesale, 3-year or 5-year;

If you are a partner aged 66 to 7, you can choose to make a wholesale payment or a three-year payment.

Friends who want to know how to choose the payment period can read the following article:

"How to choose the payment period so as not to lose money?

2. Three exemption clauses

We can understand that CITIC Prudential's "Golden Stone Profit" annuity insurance only has three exemption clauses.

Nowadays, the number of exemption clauses for the same type of products with high cost performance in the market is generally set at about 3. In essence, this product is obviously very distinctive.

After all, the exemption clause can also be called liability exemption. If the insured's insurance accident touches the exemption clause, the insurance company will not apply for compensation.

In this way, as far as our consumers are concerned, the fewer exemption clauses, the more cost-effective.

If you have any questions about the exemption clause, please read the following article:

What is the exemption clause of insurance and what do you think? If you don't understand, you'll suffer a big loss!

Based on the above, you should know about CITIC Prudential's "Golden Stone Profit" annuity insurance.

However, the true face of this product has not been really displayed. Let's learn about it with Senior Sister!

Second, what aspects should we pay attention to when insuring CITIC Prudential's "Golden Stone Profit" annuity insurance?

1. Analysis of guarantee content

It is not difficult to know that CITIC Prudential's "Jinshi Profit" annuity insurance mainly provides survival insurance and death insurance.

Starting from the fifth policy anniversary of the contract, if the insured lives on each policy anniversary, in this case, the insurance company will receive the effective insurance amount or 2% of the paid premium on the annual policy anniversary (including the expiration date), the so-called smaller value between the two.

In addition, it is important to note that the current effective insurance amount is equal to the basic insurance amount on and before the fifth policy anniversary.

From the day after the fifth policy anniversary, the effective insurance amount of each policy year will increase by 3.5% on the basis of the effective insurance amount of the previous policy year.

Senior sister wants to tell you that this product does not provide the insured with total disability protection, which may be a big shortcoming.

After all, total disability is also very serious for us, which will not only lose the ability to work, but also make the family face great losses and injuries.

Therefore, total disability protection is particularly important for us.

2. Providing policy loans

We can see that the policy interest of CITIC Prudential's "Jinshi Profit" annuity insurance is also quite practical, mainly stipulating policy loans and premium advance payment.

When the small partners encounter financial difficulties or lack of money, they can still make these problems disappear and solve economic problems for consumers.

In this way, the overall performance of CITIC Prudential's "Golden Stone Profit" annuity insurance is relatively ordinary. Although the age range of insurance coverage is humanized, the payment period is not flexible, the coverage content is not much, and the cost performance is not high.

Therefore, it is better for the small partners who plan to insure to look at other excellent products on the market and find the one that is suitable for them!

Write at the end

I am Xueba, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to WeChat official account Xueba and ask me about insurance.

I will give you the most professional advice based on years of experience in configuring insurance for 1W+ families.

WeChat official account: Xueba said that insurance costs less, so buy the right insurance!