Bank of Communications' Youfu Benefit Endowment Insurance (dividend type) can be said to be very popular online. I heard that the price/performance ratio is very high, and many friends are asking about it.

So does this product have any pitfalls?

Is it worth buying?

Below, I will give you an in-depth review!

Click on the link below to learn about the income performance of BoCom Youfu Benefit Insurance (dividend type) first: "Must read before buying!"

The secret of the income of Bank of Communications Youfu Enjoy Endowment Insurance (dividend type) is revealed!

》1. What are the protection advantages of Bank of Communications Youhui Benefit Insurance (dividend type)?

Before the evaluation, let’s first browse the product picture of this product: As can be seen from the picture, the protection period of Youfu Xiangbenhui Insurance (dividend type) is 5 years, which is more suitable for people who pursue short-term protection.

Moreover, the payment method for this product is single payment, and there are 7 exemption clauses.

In terms of protection content, this product mainly provides two protections: maturity survival insurance and death insurance, and includes policy dividends and policy loan rights.

Next, let’s take a closer look at the protection features of this product.

1. People with a wide insurance age range from 0 to 70 years old have the opportunity to buy a comprehensive insurance (participating type) with superior benefits and benefits.

That is to say, the maximum insurance age of this product is 70 years old. Compared with similar products whose upper limit of insurance age is set at 60 or 65 years old, the insurance age of this product is more satisfactory. For those who want to buy endowment insurance

The elderly group is relatively friendly.

2. Maturity benefit + death insurance benefit. If the insured is still alive at 24:00 on the expiration date of the contract, if the conditions are met, the basic insured amount of the contract can be obtained as the maturity insurance benefit.

If the insured unfortunately dies during the insurance period and meets the claim conditions, the insurance company will pay the greater of the cash value and the premium paid * the corresponding ratio.

It is worth noting that the benefit ratio is stipulated as follows: 100% for those aged 0-17, 160% for those aged 18-40, 140% for those aged 41-60, and 120% for those aged 61 and above.

3. Insurance with dividends, benefits and benefits (participating type) is actually a participating insurance, and the insured has the right to participate in the profit distribution of the insurance company's participating insurance business.

Insurance companies determine distributable surplus based on the actual operating conditions of participating insurance business.

If there is a distributable surplus, the insured can receive the dividends in the following ways: cash payment or accumulated interest.

However, one thing to note is that there is no guarantee for dividends, and the dividends in some policy years may be relatively small or even zero.

For those who don’t know much about participating insurance, you might as well click on this article to read: "Things Salespersons Won’t Tell You About Participating Insurance" 2. Is Bank of Communications Premium Benefit Endowment Insurance (Participating Type) worth buying?

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Generally speaking, the upper limit of insurance age for Youfu Benefit Endowment Insurance (participating type) is 70 years old, which can provide maturity and death insurance benefits, as well as policy dividends and support for policy loans.

You can choose whether to buy this product based on your own needs.

The senior sister has also prepared a list of endowment insurance participating types for everyone, which is full of products worth buying. Friends in need can refer to it: "The list of endowment insurance participating types is newly released!"

Is there one that you like?

》Written at the end, I am Xueba Talking Insurance, focusing on objective, professional, and neutral insurance evaluations; if the above content has not solved your problem, you can also come to the official account Xueba Talking Insurance to consult me; I will use my experience over the years to

Our experience in configuring insurance for 10W+ families will give you the most professional advice.