A friend asked her senior, is the Anxiangfeng financial insurance (dividend-sharing) guarantee of Sino-German Allianz Life Insurance effective? Does it apply to everyone?

Then the senior will give you a detailed evaluation of this product, and friends who want to know must have a look.

To quickly understand the evaluation results, you can first look at this article:

Is Sino-German Allianz Anxiang Cai Feng Annuity Insurance (Dividend Type) Worth Starting? The answer is here! 》

1. How did An Xiangfeng's financial insurance (dividend insurance) perform in fiscal year?

Not much to say, first look at the product essence map:

According to the contents of the protection map, we can know that the protection contents of Anxiangfeng financial annuity insurance (dividend-sharing type) are relatively simple, as follows: annuity collection, expiration protection and death protection. In addition, it also provides automatic premium payment, policy loans and other rights and interests. Next, Sister Xue will show you the advantages of this product.

1, policy dividend

Policy dividend refers to the distribution of distributable surplus generated by the actual operation of dividend business by insurance companies. An Xiangfeng's fiscal year gold insurance (dividend-paying type) stipulates that consumers can choose any way to receive cash, accumulate interest or pay premiums to get distributed dividends. It can be seen that the distribution method is still particularly flexible.

However, it should be noted that there is no way to guarantee the operating quality of the insurance company, so the dividend of the policy cannot be determined. If the business is good, it is estimated that you will get more dividends. If the business situation is not very impressive, you may get less or even no dividend.

If you want to buy dividend insurance for financial management, you can read this article and learn about its precautions before insurance:

Dividend insurance that the salesperson won't tell you.

2. The insurance age range is wide.

An Xiangfeng Financial Annuity Insurance (dividend-paying type) covers the age range from 7 days after birth to 70 years old. Based on the above factors, this product can protect people up to 70 years old. Compared with the highest insurance age of similar products of 60 and 65, the insurance age range of this product is wider, and more elderly people can insure this product.

The amount of basic annuity is increasing year by year.

Anxiangfeng Financial Annuity Insurance (dividend type) stipulates that the annuity amount paid on the first annuity collection date must be equal to the basic annuity amount, but the annuity amount paid on each annuity collection date thereafter will be increased by 10% on the basis of the annuity amount paid on the previous annuity collection date.

It also means that the basic annuity amount of this product is rising every year. As long as the life span of the insured is longer, the annuity will be richer.

Second, we can't ignore these points before insuring Anxiangfeng (dividend-paying) financial year insurance!

1, without total disability protection

Everyone is afraid of death, but total disability can also bring many risks to people. Think about it, if you had a car accident, you would be lucky not to die, but it would be even worse if you were completely disabled because of the car accident. If there is no total disability insurance in the insurance products bought, the insurance company is not responsible.

It is conceivable that the expenses of treatment, living and nursing caused by total disability are all on the whole family. Generally speaking, for an ordinary family, I have to say that the pressure is relatively high. Unfortunately, An Xiangfeng's financial insurance (dividend-sharing type) does not meet the requirements of total disability protection and cannot provide comprehensive protection for the insured.

2. The guarantee period is short.

Moreover, it can be seen from the protection map that no matter which payment period is considered, An Xiangfeng's wealth management insurance (dividend-sharing type) can be capped in 30 years. Compared with the annuity insurance that guarantees the insured to 80 years old or life, this product contains a shorter protection period, which does not match the people who want long-term protection.

Generally speaking, Anxiangfeng Financial Insurance (dividend-paying type) enjoys a good place where the policy dividend and basic annuity amount increase year by year. However, it should be noted that the period of protection is relatively short, and the most important thing is that there is no total disability protection.

For those small partners who want to ensure thoughtful content and long guarantee period, it is recommended to look at other similar products with more comprehensive protection on the market and then choose the best insurance.

Of course, if your friends don't know what kind of annuity insurance is better on the market, don't miss this list:

"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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