Today, Senior Sister will come with you to see if Shi Sheng Hongfu Annuity Insurance (dividend-sharing type) is really that good. Click on the link below to learn the true face of Shi Sheng Hongfu Annuity Insurance (dividend-paying type):
How about Qianhai Shi Sheng Hongfu Annuity Insurance (dividend-sharing type)? Pay attention to these points 》
First, Shi Sheng Hongfu Annuity Insurance (dividend-sharing type) security content analysis!
As usual, let's take a look at the protection map of Shi Sheng Hongfu Annuity Insurance (dividend type):
1, insurance conditions
Shi Sheng Hongfu Annuity Insurance (dividend type) is equipped with a wider age range, and the set age range is 28 days after birth -69 years old. Many annuity insurances in the market often set an upper age limit of around 60, and this product can support people aged 69 at most, which is suitable for more people.
Shi Sheng Hongfu Annuity Insurance (dividend type) has set up two protection periods for consumers to choose, which are 10 years and 15 years respectively.
However, it should be noted that Shi Sheng Hongfu Annuity Insurance (dividend type) has many exemption clauses, including 7 clauses.
The exemption clause is the scope that the insurance company can refuse to pay compensation. The excellent annuity insurance on the market has only three or four exemption clauses. In contrast, the setting of exemption clauses in this product does not seem to be considered by consumers.
If you have any questions about the content of the disclaimer, you can also read this article:
What is the exemption clause of insurance? what do you think? If you don't understand, you will suffer a big loss! 》
2. Guarantee content
The coverage of Shi Sheng Hongfu Annuity Insurance (dividend-sharing type) is relatively simple, including death protection, survival protection and expiration protection in detail.
We can see that Shi Sheng Hongfu Annuity Insurance (dividend-sharing type) only provides protection for the deceased insured, and total disability protection is not one of them. The advantage of insuring total disability protection is that once total disability occurs, you can get a sum of money, which can be used to make up for the loss of income caused by inability to work. Unfortunately, this product does not provide complete disability protection.
2. Is Shi Sheng Hongfu Annuity Insurance (dividend type) worth buying?
In addition to the protection mentioned above, Shi Sheng Hongfu Annuity Insurance (dividend-paying type) also provides very practical policy benefits, such as policy dividends and policy loans.
Many friends have the idea of insuring this product, probably attracted by the policy bonus. As my senior mentioned above, Shi Sheng Hongfu Annuity Insurance (dividend-paying) is a dividend-paying annuity insurance. As long as the product is insured, consumers can enjoy the right to share dividends.
To put it bluntly, after the end of each fiscal year, the insurance company will distribute the distributable profits of this kind of dividend insurance in the previous fiscal year to customers according to a certain proportion.
However, Senior Sister has to remind everyone that the dividend of Shi Sheng Hongfu Annuity Insurance (dividend-paying type) is not 100%. It is necessary to decide whether consumers can get dividends according to the operation of dividend insurance business of insurance companies. If the business situation is not optimistic, you may not get dividends.
The reason why there are so many complaints about dividend insurance is that many consumers don't know the situation before taking out insurance. After choosing, they found that the actual income was different from the calculated income, so they complained.
For this content, you can also look at this article again:
"Why is the complaint about dividend insurance so high? Unveil the mystery of dividend insurance. "
The analysis of Shi Sheng Hongfu Annuity Insurance (dividend type) is here. Generally speaking, Shi Sheng Hongfu Annuity Insurance (dividend type) is not very cost-effective. It does not include the total disability protection, and the protection content is not comprehensive enough. In addition, there are only two payment methods, which are not flexible enough and have many exemption clauses. And its policy dividend is not guaranteed. Generally speaking, this product is not worth buying.
Write it at the end
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