China Post's premium one-year pension insurance is very popular on the Internet. I heard that the cost performance is very high, and many friends are asking, is it really that high? Is it really worth buying? Let's take a detailed evaluation next!

If you want to check the evaluation results quickly, you can read this article:

"Look first! The benefits of China Post's premium pension annuity insurance are open to the public!

1. What is the content of the premium pension insurance?

First of all, let's take a look at the protection diagram of this product:

1. The starting age of pension is optional

When it comes to the starting age of pension with one-year pension insurance, women have 55/6/65 years old to choose from, and men have two options-6/65 years old.

According to the current retirement age of workers in China, men are 6 years old, female cadres are 55 years old and female workers are 5 years old.

For similar products on the market today, the minimum age for women to receive pensions is set at 6 years old. When it comes to the pension age for enjoying the one-year pension insurance, women can receive pensions at the minimum age of 55 years old, which is more intimate.

Compared with other products, the starting age for receiving old-age pension of 55 years old is beneficial for women to get a sum of money to maintain their lives earlier after retirement, so they don't have to worry about no income after retirement and can't maintain a normal life.

Undoubtedly, you can also choose a later starting age according to the actual situation, which is relatively free, and the insured can choose a suitable starting age according to their needs.

2. The content of protection is rich

The main protection responsibilities of the pension insurance are pension, birthday bonus, death insurance and policyholder exemption.

If the insured reaches the initial pension age and does not die on each policy anniversary, he will have the opportunity to receive a basic insurance amount until the contract is terminated or the insured dies.

When the insured is still alive on the first policy anniversary after reaching the age of 8, he can have an insurance premium of 2 times the basic insured amount paid by the insurance company.

In case the insured dies unfortunately within the guarantee period, the insurance company will pay the death insurance premium of the person who has paid the premium and the cash value is greater.

Whether you live after the initial pension age or die during the guarantee period, you can get some funds, which is quite good on the whole.

It is assumed that the insured died within 18 days from the accidental injury under the age of 65 during the payment period, and the subsequent premiums can be exempted, and the contract is still valid.

This is very good, which can further reduce the occurrence of policy payment interruption, contract suspension or invalidation caused by the death of the insured, and effectively reduce the payment pressure.

If you don't know about premium exemption, you can read this article:

"Is premium exemption good? Do you have to choose when buying insurance?

3. Provide policy pledge loan

You can also get policy pledge loan if you enjoy the one-year pension insurance.

In terms of policy pledge loan, it means that the insured can apply for a sum of money from the insurance company by virtue of the policy.

During the validity of the contract, you can apply for a loan, and if the insurance company agrees, you can directly handle it. However, it is necessary to note that the loan amount cannot be greater than 8% of the cash value of the policy after deducting other debts, and the loan period cannot be longer than 6 months.

If the insured encounters economic difficulties and the capital turnover is not open, he can use this right to obtain a sum of money and get out of the economic difficulties.

Second, you should pay attention to this before applying for the premium pension insurance!

When it comes to enjoying the one-year pension insurance, there are seven exemption clauses for the death of the insured and the insured respectively.

The exemption clause is the case that the insurance company does not bear the insurance liability.

If the insured or the applicant meets the exemption clause when he is in danger, then the insurance company will often not pay the claim.

Most of the similar products on sale today have about five exemption clauses, and some products even have three.

If there are more exemption clauses, the insured/policyholder will be more likely to go out of danger without paying claims; On the contrary, if there are fewer exemption clauses, it can reduce the occurrence of the insured/insured who does not pay for the insurance. So let's focus on this.

There are many things that need to be paid attention to about the exemption clause. You can read this article to understand:

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

On the whole, the premium one-year pension insurance has a good cost performance. The starting age of pension is flexible and optional, and the coverage is rich. It supports pension, birthday bonus and death insurance, and friends in need can consider buying it.

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 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!