Premium Jinsheng Annuity Insurance (dividend-sharing type) can be said to be very popular on the Internet, and it is said that the cost performance is very high.

Many small partners are asking, is the cost performance of premium premium life annuity insurance (dividend type) really that high? Is it really worth buying?

In that case, let's take a closer look at this product!

If you want to know the evaluation results of premium jinsheng annuity insurance (dividend type) in advance, then this article can't be missed:

"Buy premium jinsheng annuity insurance (dividend type)"? I advise you to read it before making a decision!

1. What is the protection of China Post's premium golden life annuity insurance (dividend type)?

Needless to say, let's take a look at the protection map carefully prepared by senior sister:

1. Analysis of insurance conditions

According to the terms, premium premium premium premium annuity insurance (dividend-sharing type) provides lifelong protection for the insured. At the same time, the insurance age range of this product is closely related to the payment period.

Assuming that it is a five-year payment, the insured must meet the age range of 3 days after birth -6 years old; If 1-year payment is checked, the insured's insurance age range must be within 3 days after birth -55 years old.

In addition, there are seven exemption clauses for premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium premium

Therefore, as a consumer, the fewer the exemption clauses of an insurance product, the better!

If you want to know more about the exemption clause, you can take a look at this article by Senior Sister:

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

2. Analysis of coverage content

The coverage responsibility of Premium Golden Life Annuity Insurance (dividend-sharing type) provides care annuity, survival annuity and death insurance. Moreover, this product provides lifelong protection. As long as the insured survives on the fifth policy anniversary after the insurance liability begins, in this case, the insured can start to receive the annuity for life and live to the old age.

In addition, premium Jinsheng annuity insurance (dividend-paying type) can also receive a part of the policy dividend. You should understand that most dividend-paying products on the market actually do not guarantee the policy dividend, in other words, there is a certain chance that the policy dividend in a certain year will be !

Therefore, you must think carefully when you apply for premium golden life annuity insurance (dividend type).

More than that, Premium Jinsheng Annuity Insurance (dividend-sharing type) also gives the insured other rights and interests, which can make the capital turnover during the guarantee period more flexible, and can be said to greatly improve the practicality of the policy!

If we happen to encounter an economic crisis during the guarantee period, and the funds in our hands are not enough to tide over the difficulties, when the conditions are met, then we can apply for a loan from the insurance company to solve the current problems!

Second, Senior Sister's suggestion

In view of the above aspects, the terms and contents of premium golden life annuity insurance (dividend type) are not satisfactory, and the insurance age range is narrow, so the policy dividend is not guaranteed, provided that the dividend income obtained is uncertain.

Therefore, Senior Sister doesn't recommend friends to take out premium premium life annuity insurance (dividend-sharing type). There are many kinds of annuity insurance products on the market, so why don't you stick to this one!

Speaking of excellent annuity insurance products, Senior Sister really has a lot of inventory here! Dear friends, please help yourself:

"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss these 1 models again!

Written at the end

I am a schoolmaster who talks about insurance and focuses 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!