Today, Senior Sister will take a look at China Life Credit Suisse 2022 insurance product portfolio with you to see if it is really that good. Click on the link below to learn the true features of China Life Credit Suisse 2022 insurance product portfolio:
Is the insurance product portfolio of China Life Credit Suisse 2022 of high quality? The answers are all here ... "
First, the contents of China Life Credit Suisse 2022 insurance product portfolio protection are revealed!
Let's take a look at the protection map of this product compiled by staying up late:
1. Insurance age
The insurance age of China Life Credit Suisse's 2022 insurance product portfolio supports outstanding people aged 28 days to 60 years. At present, there are two kinds of annuity insurance in the market: children's annuity insurance and old-age annuity insurance. The upper age limit for children's annuity insurance is usually 17 years old, and the age limit for old-age annuity insurance is generally 60 or 65 years old. Some good products stipulate 70 years.
The greater the age range of insurance, the more people can be insured and the more people can start.
The insurance age of China Life Credit Suisse's insurance product portfolio in 2022 is up to 60 years old, which is relatively humanized.
2. Guarantee content
Let's look at the protection content of China Life Credit Suisse 2022 insurance product portfolio, namely annuity, expiration insurance and death insurance.
Five policy years from the corresponding date of the first year after the contract takes effect, the insured can get a sum of money when he is alive, due or dead.
If you die within the protection period, in this case, the insurance company will provide the greater of the premium paid and the cash value as compensation; If you are still alive on the maturity date, you can still receive 300% of the basic insurance amount.
Generally speaking, it's not bad. If they live a healthy life for a certain number of years, they will have the opportunity to get some money to maintain their lives.
3. There is extra insurance
China Life Insurance Credit Suisse 2022 insurance product portfolio also supports additional Credit Suisse early payment of critical illness insurance.
Critical illness insurance can ensure that the insured can get a sum of compensation after confirming that he has a serious illness, which can play a role in making up for the treatment expenses and income loss.
Friends who want to add disease protection can consider adding this insurance.
If you want to buy critical illness insurance separately, here is a list for you to see:
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Second, China Life Insurance Credit Suisse 2022 insurance product portfolio should pay attention to these two points before insurance!
1. disclaimer
Let's take a look at the insurance product portfolio of China Life Credit Suisse 2022, and set up seven exemption clauses.
The exemption clause refers to the scope that the insurance company does not cover. If the accident involves the exemption clause, then the insurance company will not settle the claim.
Therefore, the fewer exemption clauses, the better, which is more cost-effective for the insured.
At present, there are usually only five exemption clauses for similar products on the market, and only three for excellent products. In the 2022 edition of China Life Insurance Credit Suisse's insurance product portfolio, there are seven exemption clauses for the insured, which are relatively few.
If you don't know much about the exemption clause, you can read this article to find out:
What is the exemption clause of insurance? what do you think? If you don't understand, you will suffer a big loss! 》
2. Lack of comprehensive disability protection
China Life Credit Suisse 2022 insurance product portfolio includes death protection, but does not include total disability protection.
If the insured unfortunately causes total disability and loss of working ability, there is no source of income to rely on at this time, and long-term treatment or nursing may be needed, which requires a lot of expenses. For the insured and their families, this requires huge economic support.
If the insurance has total disability protection, it is ok for the insured to get a sum of money to maintain a normal life.
China Life Credit Suisse's 2022 insurance product portfolio is not so intimate in this respect.
Summary: On the whole, the insurance conditions and protection contents of China Life Credit Suisse 2022 insurance product portfolio are still outstanding, but the exemption clauses are not less than excellent products, and the protection is still lacking, with low cost performance, which is not worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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