Before the evaluation, Senior Sister also compiled an introduction about Xinhua Life Insurance. Those who are interested in learning more information can click on the following links:
"Xinhua life insurance, ok? The secrets of the company and products are all in this article! 》
1. What is the performance of Xinyue Wanjia Annuity Insurance?
Before it's too late! Let me show you the protection map of Xinyue Wanjia Annuity Insurance, as shown below:
After reading the protection map, seniors can give you a detailed analysis according to the insurance conditions and protection contents:
1. Insurance conditions
As can be seen from the above protection chart, Xinyue Wanjia Annuity Insurance is an annuity insurance that mainly supports people born from 30 days to 66 years old (excluding).
The upper limit of insurance age is not very low, which can basically meet the needs of people with annuity insurance. The setting of this insurance age range can also be regarded as reaching the standard.
In addition, the guarantee period of Xinyue Wanjia Annuity Insurance is 15 and 20 years, both of which are medium and long-term guarantees; It is suggested that small partners with corresponding guarantee period requirements can refer to it.
In addition, this product has three different payment periods, namely, 3-year payment, 5-year payment and 10-year payment.
Unfortunately, Xinyue Wanjia Annuity Insurance does not include wholesale payment, that is, the insured can only pay the premium in installments.
2. Safety content
From the protection content, the design of Xinyue Wanjia Annuity Insurance is quite rich, including care, survival, expiration and death protection.
It can be seen that the insured can get annuities from three different sources in the future. Compared with some similar products on the market with only one annuity, this product is not bad.
Seeing this, if friends want to know more about the detailed evaluation of Xinyue Wanjia Annuity Insurance, please read this article:
"Xinhua" Xinyue Wanjia Annuity Insurance "is gorgeous! There are these shortcomings under the flash ... "
Second, the insurance value of Xinyue Wanjia Annuity is not worth buying.
Although the basic situation of Xinyue Wanjia Annuity Insurance has been introduced almost, if you are a small partner who wants to consider this product, it is not too late to make a decision after reading the following contents.
1. Lack of comprehensive disability protection
Combined with the above contents, Xinyue Wanjia Annuity Insurance has death protection, but it does not provide total disability protection; For the insured, the scope of protection that can be enjoyed is not so comprehensive.
As you know, many good annuity insurance in the market provide death and total disability protection, and Xinyue Wanjia annuity insurance needs to be further improved.
2. The minimum guaranteed interest rate is 2.5%.
In addition to the protection mentioned above, it is also quite good to attach a universal account to Xinyue Wanjia Annuity Insurance. The universal account can help the insured realize compound interest appreciation, and the minimum guaranteed interest rate set by the universal account is 2.5%.
To tell the truth, the minimum guaranteed interest rate of 2.5% is in the universal insurance market, and this universal account attached to Xinyue Wanjia Annuity Insurance has no obvious advantages; Because some better products of the same type on the market may provide a minimum guaranteed interest rate of 3%.
Summary: The performance of Xinyue Wanjia Annuity Insurance has no bright spots in the insurance conditions and contents, and the setting of the insurance age range is also relatively extensive. At present, there are two insurance periods and three payment periods to choose from, and there are still three sources of annuity.
However, this product does not provide total disability protection, and the minimum guaranteed interest rate for attaching a universal account is also a bit low.
Everyone can consider their own insurance needs, and it is also recommended that you know more about different annuity insurance and consider it carefully before buying.
At the end of the article, friends who need annuity insurance, this list of high-yield annuity insurance is worth referring to:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
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