Taikang Tianfu 1 Jufu Annuity Insurance Compared with PICC Zhuoyue Xinsheng, which one do you recommend to buy?

There are many similar endowment assurance and annuity insurance in the market. Many people always think that endowment assurance and annuity insurance are one kind of insurance, but in fact, there is still a big difference between endowment assurance.

Let's take Taikang Tianfu 1 Jufu Annuity Insurance and PICC Zhuo Yue Xinsheng Insurance as examples to see the difference between these two types of insurance and whether the price of these two products is worth starting with!

Senior sister suggests that you can read this popular science article, and you can clearly understand the difference between endowment assurance and annuity insurance:

What's the difference between endowment assurance and annuity insurance? Explain in detail! 》

1. Taikang Tianfu 1 What does Jufu Annuity Insurance protect?

Let's take a look at the protection map of Taikang Tianfu 1 Jufu version annuity insurance:

Taikang Tianfu 1 Jufu Edition is actually a dividend annuity insurance. The following senior analyzes this product from two aspects: insurance rules and guarantee responsibility:

1, insurance rules

Taikang Tianfu 1 Jufu Edition supports people aged 0-70 to insure, so that the elderly have the opportunity to insure.

Taikang Tianfu 1 Jufu Edition supports a longer guarantee period, and the guarantee is provided to people who want long-term protection as of 24: 00 on the effective date of the first year after the insured reaches the age of 105.

Taikang Tianfu 1 Jufu Edition has set up several payment years, with six options, including wholesale payment, 3-year payment, 5-year payment, 10-year payment, 15-year payment and 20-year payment. The insured can choose the appropriate payment years according to their actual conditions.

2. Analysis of guarantee responsibility

Taikang Tianfu 1 Jufu Edition's guarantee responsibilities include survival insurance, old-age insurance and death insurance. Very suitable for old-age care, old-age insurance is still guaranteed, providing a 25-year guarantee period.

If the insured dies unfortunately during this guarantee period, the insurance company will also pay the unpaid old-age insurance premium to the policy beneficiary according to the contract.

Secondly, this product also covers universal insurance. If the insured doesn't need to receive survival insurance and pension insurance for the time being, they can transfer these annuities to the investment account of universal insurance for compound interest and appreciation according to their own needs, which is helpful to increase income and is suitable for helping financial planning assets.

The main insurance of Taikang Tianfu 1 Jufu Edition also has policy dividends, which provides the insured with the opportunity to participate in the dividends of insurance companies and can also be used as one of the income sources of the insured.

However, its dividend is not very stable. It should be understood that dividend income comes from the distributable surplus of insurance companies in dividend insurance business, and insurance companies do not show the specific operating conditions to the outside world. This shows that how much dividend income the insured can get is actually decided by the insurance company.

For the explanation of Taikang Tianfu 1 Jufu Edition, you can also see this evaluation article for further understanding:

How about Tianfu 1 (Jufu Edition) annuity insurance? Look at this! 》

2. What is the content of 2.PICC Zhuoyue Xinsheng endowment assurance?

Next, I will take you to understand the guarantee content of PICC's outstanding freshman endowment assurance:

PICC Zhuo Yue Xin Sheng Two-insurance is an endowment insurance that can guarantee both life and death. The content of the report seems to be somewhat different:

1, insurance rules

PICC Zhuoyue Xinsheng endowment assurance has a wide age range, supports people aged 0-75, can give more insurance opportunities to the elderly, and is quite friendly to the elderly.

At present, PICC Zhuoyue Xinsheng Insurance has a guarantee period of 7 years, which is quite short, and is more suitable for people with short-term protection and financial planning needs.

And in the payment period, the selectivity of this product is quite small, covering only three years and five years, and does not support wholesale payment.

2. Security content analysis

The protection provided by PICC Zhuoyue Xinsheng endowment assurance includes blessing protection, expiration protection, death/disability protection and accidental death/disability exemption insurance (optional), and the protection content is quite sufficient.

We should know that most products of the same type in the market generally only cover expiration insurance and death insurance, and there are few optional responsibilities for the accidental death/total disability of the insured and the exemption of insurance money. It seems that this product is really good.

Compared with Taikang Tianfu 1 Jufu Edition, PICC Zhuoyue Xinsheng endowment assurance now has total disability protection, which is particularly effective in the protection function. After all, the consequences of total disability for families are quite serious. With the total disability protection, the economic risks brought by the total disability of the insured to the family can be transferred.

In order to facilitate your in-depth understanding, the senior also compiled a detailed information about Zhuo's birth pension security. If you want to know more, you can click here to know:

Can Zhuoyue Xinsheng Pension Insurance really provide comprehensive protection? After reading the terms, Senior Sister was shocked! 》

Third, the summary of the senior sister

Taikang Tianfu 1 Jufu Annuity Insurance and PICC Zhuoyue Xinsheng Insurance are different in terms of guarantee period, payment period and guarantee responsibility, and their functions are also different, which are suitable for different people. So everyone should choose the appropriate insurance according to their own security, financial needs and economic conditions.

There are also many wealth management insurance products on the market, which have both security and wealth management functions. You may wish to learn more about different products and choose an insurance product configuration that is more suitable for you.