The dividend-paying type of Bank of Communications Youfu Tianyi endowment assurance can be said to be very popular on the Internet. I heard that the cost performance is very high, and many small partners are asking, is the cost performance of the dividend-paying type of Bank of Communications Youfu Tianyi endowment assurance really that high? Is it really worth buying?

Sister Xue will talk about this product in detail today, and see what the highlights and shortcomings are, and whether it is worthy of our configuration!

Due to the limited space, more analysis is put into this article:

The guarantee content of endowment assurance (dividend-sharing type) of Bank of Communications is made public! Is it really worth starting with?

1. What are the highlights of Youfu Tianyi All Risks (dividend-sharing)?

Not much to say, let's take a look at the protection map of this product:

1. Wide insurance age range

The insurance age allowed by Youfu Tianyi Insurance (dividend-sharing type) is to 7 years old, which is particularly wide, and people under 7 years old have the opportunity to apply.

Generally speaking, for the same product on the market at present, the maximum age of insurance is 6 years old, and if it is over 6 years old, it cannot be insured.

And the maximum insured age of this product is 7 years old, which is very good.

In this way, people aged 6-7 will have multiple opportunities to apply for insurance, and they can try to get insurance protection.

2. Providing aviation accident death insurance

It can be said that the coverage of the two-insurance (dividend type) mainly includes death insurance, aviation accident death insurance and expiration survival insurance.

That is to say, aviation accident death insurance benefits, that is, when the insured person dies within 18 days due to accidental injury while taking a civil aviation flight as a passenger, the insurance company will not only provide death insurance benefits, but also give the insured an extra sum of money.

It also shows that this guarantee is an extra compensation. As long as it meets the corresponding conditions, it will make it possible for the insured to receive more compensation, which is still very good.

3. Providing policy loans

In addition to providing basic protection, Youfu Plus Benefit Insurance (dividend-sharing type) also covers the rights and interests of policy loans.

Policy loan means that the insured can apply for a loan from the insurance company by virtue of the policy.

If the insured has financial difficulties and capital turnover problems, which are in line with the validity period of the contract, he can apply for a policy loan from the insurance company.

After applying for a loan, you can get a sum of money and effectively solve the economic problems.

It is necessary to pay attention to the fact that the minimum amount of each loan is more than RMB 1,, and the longest loan period is less than 6 months.

As long as the loan is repaid on time, to put it bluntly, the insurance policy will not be affected, and you can still apply for claims when you are in danger.

In addition to policy loans, there are many insurance technical terms that many friends may not understand. Senior sister suggests that you read this article before you buy insurance:

Before you buy insurance, you must first understand these key knowledge points!

Second, you need to pay attention before you apply for all risks (dividend type)!

1. There are many exemption clauses

Exemption clauses are simply the cases where the insurance company does not bear the insurance liability, which are usually indicated in the clauses.

As far as similar products on the market today are concerned, there are usually about five exemption clauses, and it is better to have only three exemption clauses.

However, the number of exemption clauses for Youfu Tianyi All Risks (dividend type) is set to 7, which is not small.

If the accident involves an exemption clause, then the insurance company will not pay the claim.

Therefore, the fewer the exemption clauses, the more worthwhile it is to choose, which can reduce the occurrence of the insured's failure to claim compensation.

If you want to know more about the exemption clause, you can read this article:

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

2. Dividends are not guaranteed

Although the premium insurance (dividend-paying type) includes policy dividends, dividends are not guaranteed.

Dividends refer to the distributable surplus of dividend insurance in the previous fiscal year, which is distributed to customers by an insurance company in the form of dividends. But the insurance company can't guarantee that there will be dividends every year, so the dividend income is unstable.

If everyone just pays dividends and doesn't pay attention to the security content, then the primary and secondary positions are reversed.

To sum up, Youfu Tianyi Two-insurance (dividend type) covers a wide age range, and provides aviation accident death insurance and policy loans, but the exemption clauses are not small, and there is no guarantee that you will get dividends. Interested friends had better think about these aspects before deciding whether to start!

Write at the end

I am Xueba, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to top student, WeChat official account and ask me about insurance consultation.

I will give you the most professional advice based on years of experience in configuring insurance for 1W+ families.

WeChat official account: top student said that insurance costs less, so buy the right insurance!