The topic should be the accompanying life annuity insurance of Hongkang Life Insurance. Let's take a look at this product with my senior sister now:

1. Insurance principle

Insurance age: 3 days -6 years old

Maximum payment period: 2 years

Premium requirements: from the annual payment in 1 yuan to the monthly payment in 1 yuan.

Second, the content of protection

Old-age insurance: it will be collected from the agreed first pension collection date;

Death insurance premium: the maximum value of insurance premium and cash after deducting annuity from accumulated premium;

collection method: first collection time/age: from the 5th/1th/15th/2th policy year, or from the age of 55/6th; Collection method: annual collection.

Many people ask their senior sisters that they want to buy annuity insurance and know some insurance knowledge, so that they can understand the basic terms by self-study. What do they need to master? Senior spent some time sorting out and summarized some basic knowledge of annuity insurance as follows: Learn this trick and stay away from the 99% pit of annuity insurance

Start with the most basic concepts, and after understanding these concepts, help everyone understand some common insurance clauses.

Third, how to buy annuity insurance

The characteristics of annuity insurance:

① Safety;

Compared with bank financing, stocks and funds, the biggest feature of annuity is its safety, so you don't have to worry about the bankruptcy of insurance companies.

② income determination;

in the definition of annuity insurance, we also see that after the customer pays the premium, the insurance company will return the survival money to the insured on schedule according to the contract, and the total amount of return is certain.

In addition, the cash value of annuity insurance and its changes will be stipulated in the contract. As long as the accumulated sum of survival funds before a certain policy year+the cash value of the policy in that year, a certain income can be obtained.