The insurance rules of Xintai Insurance’s Ruyi Life Pension Annuity Insurance mainly include: the insurance age range is between 28 days after birth and 69 years old, the protection period is life-long, and the payment method can be single payment or periodic payment. , the hesitation period is 10 days (15 days for commercial bank agency channels). Before buying insurance, you can learn some insurance knowledge to help you better understand the insurance rules: Before buying insurance, you must first understand these key knowledge points!

Next, I will introduce to you Xintai Ruyi Life Pension Annuity Insurance. Without further ado, let’s start with the product protection chart:

In terms of payment terms, Xintai Ruyi Life Pension Annuity Insurance provides single payment, 3-year payment, 5-year payment, 10-year payment, and 15-year payment. And these options are due in 20 years. If you don’t know how to choose the payment period, you can read what experts say: How to choose the payment period so as not to lose money?

In terms of protection content, Xintai Ruyi Life Pension Annuity Insurance mainly includes pension annuity and death insurance.

Let’s first take a look at the pension annuity that everyone is concerned about. The pension annuity receiving method of this product can be received annually or monthly. The starting age for pension annuity can be selected from 55 years old (women only), 60 years old, 65 years old and 70 years old. Starting from the first pension annuity receiving date in the contract Starting from (inclusive) 25 policy years is the guaranteed pension annuity receiving period.

The pension annuity can be received annually or monthly. Starting from the first pension annuity receipt date in the contract, if the insured is still alive at 0:00 on each policy anniversary/policy week, month, and day, If the conditions are met, 100 and 8.5 of the basic insured amount in the contract will be paid respectively.

Then let’s take a look at how the death insurance benefit of this product is paid. If the insured dies before the first pension annuity payment date of the contract, and if the conditions are met, the larger of the accumulated premiums paid and the cash value of the contract at the time of death will be paid.

If the insured dies during the guaranteed period of receiving the pension annuity, and the contractual pension annuity payment method at the time of death is annual payment, if the conditions are met, the cash value of the contract at the time of death will be equal to (25- The greater of the number of pension annuities paid) × the basic insured amount; if the contract pension annuity payment method is monthly payment at the time of death, and if the conditions are met, the cash value paid is (300 - the number of pension annuities paid) × 8.5 ×The larger of the basic sum assured.

If the insured dies after the guaranteed pension period expires, and if the conditions are met, the cash value of the contract at the time of death will be paid.

In general, the performance of Xintai Ruyi Life Pension Annuity Insurance is pretty good. The pension annuity payment method and the starting age can be flexibly selected. There is also a guaranteed pension pension period, which is more friendly to the insured. Moreover, the policy benefits of this product are relatively practical, and it also supports policy loans and automatic premium payment.

If you want to shop around and choose the best insurance, you can refer to this list: A comprehensive inventory of the top ten cost-effective commercial pension insurances!

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