Recently, many fans have privately asked their senior sisters in the background for a fiery annuity insurance evaluation. The senior sisters who love powder will naturally not refuse the requests of their fans and friends.

Today, Senior Sister found Wu Dong Zhuoyue Jinsheng Annuity Insurance and Ping An Fuying Jinsheng Annuity Insurance for everyone. These two annuity insurance markets are the best products sold now. Take them as an example, make a comparative analysis of these two annuities to see which one is better.

Before the article begins, senior has a small gift for everyone, so you can come and have a look:

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1. What is the difference between Soochow Excellence Jinsheng Annuity Insurance and Anfu Win Jinsheng Annuity Insurance?

Don't talk nonsense, senior, I'll show you the picture directly:

1. Analysis of insurance conditions

Zhuoyue Jinsheng Annuity Insurance is an insurance product that can provide lifelong protection, ranging from 28 days of birth to 60 years old. You can not only choose to pay in batches, but also choose to pay in 3 years, 5 years and 10 years.

However, Fu Ying Jinsheng Annuity Insurance is a product that can guarantee the insured for 30 years, and its maximum insured age is no more than 60 years old. Although Fu Ying Jinsheng Annuity Insurance has a short guarantee period, it is also a product with long-term protection.

Generally speaking, if you are a small partner who usually loves short-term annuity insurance products, you should think carefully before choosing!

In addition, Zhuoyue Jinsheng Annuity Insurance provides four payment periods: wholesale payment, 3-year payment, 5-year payment and 10 year payment, while Fu Ying Jinsheng Annuity Insurance includes 5-year payment, 10 year payment and 10 year payment. You can choose the payment period that suits you according to your own economic conditions when considering it.

2. Analysis of guarantee responsibility

Zhuoyue Jinsheng annuity insurance covers annuity and death insurance, but the annuity protection in this product is also divided into special annuity, ordinary annuity, birthday bonus and education bonus. Generally speaking, the annuity collection method of this product is still relatively wide.

Let's look at Fu Yingjinsheng's security responsibility, which involves special survival insurance, survival insurance, expiration survival insurance and death insurance. Its annuity collection method can be said to be comparable to the excellent Jinsheng annuity insurance.

However, it should be noted that the payment period is related to the special survival insurance benefits of Fu Ying Jinsheng Annuity Insurance. The special survival insurance benefits with different payment periods are collected at different times, but the payment ratio is the same.

For example, if the payment period is set to 5 years, then the insured needs to be in a state of survival from the fifth to the sixth policy anniversary (inclusive) of the contract when the policy anniversary comes every year; If the payment period is 10 year, then the insured shall be in a state of existence on the 5th-8th policy anniversary (inclusive) of the contract and reach the policy anniversary every year; Assuming that the payment period is 15 years, the insured is still alive from the fifth year of the contract to 10 years (inclusive) and every year to the anniversary of the policy.

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3. Analysis of other rights and interests

Zhuoyue Jinsheng Annuity Insurance is a dividend-paying product, which not only has a policy dividend, but also has another service right: a policy loan. Fu Ying Jinsheng has two kinds of service rights, one is policy loan, and the other is automatic premium advance.

Most people choose excellent Jinsheng annuity insurance for a reason, all in order to grab the policy dividend. However, it is worth mentioning that excellent Jinsheng annuity insurance is not 100% able to get the policy dividend. In a word, the insurance company can't guarantee that everyone can get the policy bonus every year, nor can it guarantee how much policy bonus they can get.

Second, the senior sister suggested

Generally speaking, Youjinsheng annuity insurance is more suitable for small partners who want lifelong protection, while Fuying Jinsheng annuity insurance is more suitable for people who like regular protection. At the same time, these two products have set up relatively rich collection methods, so you can choose the insurance products that suit you according to your specific situation.

Naturally, if you want a better annuity insurance to protect your future pension life, it is undeniable that "Everbright Yongming Guangming Huixuan Pension Insurance Product Plan" is more appropriate.

If a small partner is interested in Guangming Huixuan's pension annuity insurance product plan, you can first learn about it through this article of your sister:

"Guangming Huixuan pension annuity has a high income? The answer is in the text ... "

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

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