Dividend means that the insurance company distributes the distributable surplus of dividend insurance in the previous fiscal year to customers in the form of dividends. Insurance companies don't guarantee annual dividends, so dividends are unstable. If you don't know enough about dividend insurance, you can read this article: What the salesman won't tell you about dividend insurance.
Next, the senior sister will talk about this product, Huaxia Caifubao Pension Security (Dividend Edition).
The payment period of this product can choose wholesale payment or 3-year payment, which is more flexible. Secondly, death protection provides different payment ratios for different ages, and the payment ratio of 4 1-60 years old can reach 140%, which is quite good. However, there are seven exemption clauses, while there are as few as three similar products on the market. The exemption clause is the scope where the insurance company does not bear the insurance liability. The more exemption clauses, the greater the possibility of insurance companies not paying claims. If you don't know enough about the exemption clause, you can read this article: What is the exemption clause of insurance? What do you think? If you don't understand, you will suffer a big loss!
In addition, Fufubao's old-age security (dividend version, enjoyment version) is still a double insurance. In endowment assurance, the general coverage period is fixed, the premium is high, and the coverage is average. When the insured is out of danger during the guarantee period, he will settle the claim if he meets the conditions; If the insured survives to the expiration, he will return a sum of money. Mainly suitable for people who want to make compulsory savings and pay back the money when it is due. If it is a small partner who pursues high security, it is not suitable for configuration. If you don't know about double insurance, you can read this article to find out: About double insurance, the salesman won't tell you!
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