What pitfalls does Taikang Life Insurance need to be careful when enjoying life plus pension annuity insurance?

Many consumers will choose to buy old-age insurance to lay the foundation for their old-age life. Taikang Life Insurance has a well-done pension annuity insurance product-Taikang Ruixiang Life Insurance Plus Pension Insurance.

If you want to know about this product first, please take a look at this article:

Is Taikang Ruixiang Life Insurance Plus Pension Insurance (Internet) Worth Buying? One article is published! 》

Of course, you can't miss this product

So, let me explain this product to you today and see if it is necessary to start with this product!

First, Taikang enjoys life plus pension annuity insurance market!

Still as usual, let's take a look at the product map of Taikang Ruixiang's life additional endowment insurance with student status:

After browsing the above product diagram, friends should be familiar with this product. Then, let's analyze this product in depth with the seniors!

1, flexible payment period

We can analyze that the payment period of this Taikang Ruixiang life plus pension annuity insurance is very flexible, mainly divided into wholesale payment, 3 years, 5 years, 10 years, 15 years and 20 years.

As we all know, wholesale payment can be said to be a one-time payment of all premiums, which will have greater requirements for consumers' economic ability.

But if you choose to pay in advance, it will be more friendly to consumers with bad economy. The longer the payment period, the less premium you need to pay each time, and the less pressure you have to pay.

If you want to know how to choose the payment period, you can read the following article:

"How to choose the payment period so as not to lose money? 》

In this way, there are a variety of payment periods to choose from, which can meet the needs of different consumers and is still very flexible.

In addition, the pension annuity of this product can be paid annually or monthly, and different amounts of money can be received in both ways.

If the annual payment method is adopted, you can get the basic insurance amount of 100% every year;

If you pass the monthly salary, in this case, you can get the basic insurance amount divided by 1 1.866 every month.

Consumers can make the choice of annual or monthly salary according to their actual situation. This product is still excellent in this respect.

2. Security content analysis

With regard to the content of protection, Taikang Ruixiang Life Insurance plus endowment insurance mainly includes pension, death insurance and birthday payment, which can well meet the needs of consumers.

For example, birthday bonus, if the insured is still alive on the corresponding day in the first year of this contract after reaching the age of 80, he can get the birthday bonus provided by the insurance company.

Secondly, the proportion of birthday special payment is different with different payment years. Friends should be clear about this.

However, it is necessary to remind friends that the protection content of this product lacks total disability protection.

If the insured is totally disabled due to misfortune, the insurance company will not pay a penny.

However, many products of the same type on the market provide total disability protection, and this product is not doing very well.

After browsing here, everyone should have a certain impression of Taikang Ruixiang's life plus pension annuity insurance, but whether this product is worth insuring, let's take a look with our senior sister!

Second, buy Taikang Ruixiang life insurance plus pension annuity insurance, these points need attention!

1, practical policy benefits

We can analyze that the policy benefits provided by Taikang Ruixiang Life Insurance and Endowment Insurance mainly include policy loans and reduction of insurance coverage, all of which have high practical value.

I believe everyone should have heard of policy loans. When consumers are in urgent need of capital turnover in the process of security, they can seek the help of insurance companies and apply for a sum of money to solve the immediate capital gap.

Do you want to know about insurance? The following articles are available:

"Super complete! Everything you want to know about insurance is here.

2. The upper limit of insurance age is not high.

Only people over 30 days to 60 years old can apply for Taikang Ruixiang Life Insurance.

At present, the highest insurance age of many products of the same type on the market can reach 70 or even 75 years old.

Compared with other products, this product has a narrow age range, and the main people who cannot be insured are the elderly over 60 years old.

Generally speaking, the performance of Taikang Rui life plus pension annuity insurance is not very ideal, and it is not worth buying by people who pursue high prices. Senior sister still suggests that you compare the products on the market before deciding whether to start!

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.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!