Is China Merchants Renhe China Merchants Yingjia Pension Insurance Reliable? Is it worth starting with?

Merchants Renhe Merchants Yingjia Pension Security can be said to be very popular on the Internet. I heard that the cost performance is very high. Many friends are asking whether the cost performance of Renhe Merchants Yingjia Pension Security is really that high. Is it really worth buying?

Let's analyze it together ~

Before reading the text, you can collect this double insurance guide:

"The salesman won't tell you about these two insurances! 》

1. What is the security content of China Merchants Renhe and China Merchants Yingjia in terms of old-age security?

Come, let's take a look at the product form diagram of China Merchants Renhe and China Merchants Yingjia-the old-age security, and get familiar with its security content:

It can be seen that the old-age security of merchants in Renhe Merchants Yingjia is open to people aged 0-70. It can be guaranteed for 20 years or 100 years when purchased.

Its protection content supports death, total disability insurance and expiration insurance. Next, I will take you in-depth understanding of these two contents:

1. Death/disability insurance

This kind of endowment insurance for merchants Renhe Merchants Yingjia can protect the dead and the disabled, which is much better than those who only protect the dead.

If the insured suffers death or total disability during the insurance period, the insurance company will pay death/total disability insurance money to the beneficiary. It will pay the larger value of the contract cash value and a certain percentage (up to 160%) of the premium paid.

In this way, even if the insured dies unfortunately, there is still a sum of money to protect his family's future life and ensure that his quality of life will not be greatly reduced.

2. Due premium

It is said that apart from survival and death, the protection provided by the above-mentioned death/disability insurance corresponds to "death protection", and this kind of expiration insurance is simply the so-called "lifelong protection".

If the insured does not have an insured accident during the whole insurance period, he can receive a maturity insurance premium (the specific amount is the basic insurance amount of the contract) at the expiration of the insurance period.

At that time, if the insured is older, the money can be used to improve the living standard in his later years; If it is distributed early, the insured is still young when the insurance expires, and it can also be used for other purposes. The specific use is determined by the insured.

Friends should not only know what they can enjoy, but also be familiar with the insurance rules of this product. We can also see several points on the product form diagram.

However, we should pay attention to the payment scheme provided by the old-age security, that is, a person and a merchant, and a merchant-different payment schemes correspond to different protection periods.

Senior sister won't elaborate on this question here. You can learn from this article:

Is it worth starting with "inviting merchants and recruiting Yingjia's old-age security"? If you don't look, you lose! 》

2. Old-age security, do merchants and merchants suggest starting?

On the whole, the old-age security model of China Merchants and China Merchants Yingjia is cost-effective, comprehensive and worth buying.

In addition to the cost-effective old-age security for merchants and merchants, the increased whole life insurance also provides death protection and can flexibly withdraw cash value. Senior sister has prepared an increased list of whole life insurance for everyone here, which is full of products worth buying. Friends in need can refer to:

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Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

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