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This product is made in endowment assurance, and the guarantee period is 20 years. Compared with other endowment assurance products, the warranty period is only 5 years or 10 year. Obviously, the warranty period of this product will be longer, which is suitable for people who want to get long-term protection.
Xinfu old-age security (universal) only provides one payment scheme, that is, batch payment, which means everyone must pay off all the premiums at one time, and the premiums are not cheap, because the full insurance premiums can be returned. Therefore, this product only supports wholesale premium payment, which may bring certain premium pressure to the groups with general economic situation.
If friends are not clear about the impact of wholesale premium, then you can read this article: What does wholesale premium mean? What are the benefits? It should be noted that Xinfu old-age security (universal) does not protect the disabled. This product only provides protection for the dead. If the insured is unfortunately totally disabled, the insurance company will not pay. We should know that total disability brings no less harm to the insured than death, and the expenses of treatment, nutrition and nursing are not small expenses.
Considering these factors, many insurance companies will provide death and total disability protection for endowment assurance products, but this product obviously lacks total disability protection and is not very friendly to the insured.
If you still want to know which products are worth insuring, then this article can help you: the old-age security dividend list is newly released! Is there anything you like? Hope to adopt
The same number on the whole network: Xueba said insurance, welcome to search!