First, advantages, there is only one investment, and the children's version of Huiying Life Annuity Insurance can have two cash flows: survival insurance and cash dividends. Survival insurance, accidental care of the insured and annual dividends all entered the total account of monthly compound interest and value-added, realizing the perfect combination of capital security, liquidity and profitability. Its planning function is more prominent and its application is more flexible. It can effectively help customers achieve their children's education, marriage, entrepreneurship, pension and other life goals and provide life planning.

Second, shortcomings.

1. The product positioning is unclear. As a children's annuity insurance product, Baoying Life Insurance Children's Edition is difficult to define its purpose.

Generally speaking, the distribution of children's annuity insurance is mainly intended as an education fund to protect children's educational expenses during their growth period. However, the protective effect of this product on education is relatively limited. It only pays insurance money for children's education and security for four years between 18-2 1 and 2 1. In addition, this child annuity insurance product also includes security contents such as pensions and birthday wishes, which usually appear in pension annuities. Although the guarantee content is rich, it does not provide protection for consumers with different needs, and it is still easy to blur the guarantee function of products.

2. The annuity amount is not high. Let's take an example. A 0-year-old child pays 10000 yuan a year, 15 years, and simply calculate how much annuity he can get: First, when the child is 6 or 7 years old, he gets special insurance of 10000 yuan; 18-2 1 year, get 5000 yuan every year; Get 5000 yuan at the age of 30; From the eighth year of the policy, you can get 16 18 yuan every year. , at the age of 65 to 106, and receive an annual pension 16 18 yuan; At the age of 75, you can get a one-time salary premium of 150000 yuan. In this way, children get 5,000 yuan a year during their college years, and only 16 18 yuan during their retirement. Baoying's annuity is not enough.

1. How about Huiying life annuity insurance? Product sales point

Win life: make more money+high compound interest+rapid value-added! Solve the financial needs of education, marriage, pension and inheritance!

(2) Rare guaranteed return, guaranteed receipt for 20 years, regardless of age, no matter what the situation, confirmed return, amazing design!

(3) Three gold guarantees for happiness and overweight survival: at the end of May, at the age of 64 (10% of the basic insurance amount). Pension: received at the age of 65, with dividend guarantee for 20 years (accounting for 65,438+00% of the basic insurance amount). Enjoy the company's 70% distribution surplus. Three bonuses: you can get special money at the end of the fifth and sixth years. 18-2 1 year-old can receive the education fund; People aged 30 can get a starting salary.

I hope I can help you.