What pitfalls should Dehua's Li Lifelong Annuity Insurance Product Plan beware of?

Dehua an Li life annuity insurance product plan is very popular on the Internet. I heard that the cost performance is very high, and many friends are asking, is it really that high? Is it really worth buying? Let's make a detailed evaluation next!

And you are most concerned about these contents, you can click on the following link to take a look first:

Can Dehua an Li Lifetime Annuity Insurance Product Plan really be bought? Explain in detail! 》

1. What protection does the life annuity insurance product plan have?

Without further ado, let's take a look at the protection product diagram of this product:

As can be seen from the figure, the product plan of Yingli life annuity insurance is a combination of two products, namely, direct affluent annuity insurance (version 20 19) (universal type) and additional R&F Munger annuity insurance (dividend type), with quite rich coverage.

Among them, Zhifu Insurance Annuity Insurance (version 20 19) (universal) holds the rights of policy loans and continuous dividends; Additional benefits Munger annuity insurance (dividend-paying type) has the rights and interests of policy bonus, automatic early payment, policy loan and so on. After a brief analysis of this product, the seniors will explain this product in detail!

1, flexible payment method.

The payment period of the life annuity insurance product plan is considered comprehensively, and the direct profit annuity insurance (version 20 19) (universal) can choose to pay, add or transfer the premium.

Additional Fulimunger Annuity Insurance (dividend type) sets the options of 3-year payment, 5-year payment and 10-year payment. Different payment methods are suitable for consumers with different economic conditions. If there is no difference in the annual premium, if you want to get more substantial annuity income, you can choose to add, transfer or pay for a longer period, such as 10 year.

2. The annuity was received earlier.

The planned annuity collection time of this product is endless, and the threshold of direct wealth insurance annuity insurance (version 20 19) (universal type) is that the insured is still alive in this world five years after the contract takes effect and is eligible to apply for annuity.

Additional fremont Annuity Insurance (dividend type) stipulates that the additional contract is valid and the insured is not dead. In addition, the insured can get special survival insurance money from the fifth anniversary of the additional insurance contract. Compared with similar products, the annuity can only be received on the 7th or 9th anniversary of the policy, and the annuity of this product can be received very early, and the insured can enjoy the annuity rights earlier.

3. There are policy dividends.

At present, the supplementary welfare Munger annuity insurance (dividend-paying type) in this product has the policy dividend right. Friends who know about dividend insurance should know that dividend insurance pays dividends according to the distributable surplus generated by the actual operation of dividend business.

However, it should be noted that dividends are uncertain. Some policies have annual dividends, but some policies have little or no annual dividends.

Want to know more about dividend insurance? Senior students have sorted out the relevant contents for everyone, and it is enough to read this article:

Dividend insurance that the salesperson won't tell you.

Second, you must take a look at this before insuring the life annuity insurance product plan!

As can be seen from the protection map, the number of exemption clauses in the life annuity insurance product plan is more in line with the rules. At present, there are five types of direct affluent annuity insurance (version 20 19) (universal type) and additional R&F Munger annuity insurance (dividend type), which are similar to the number of exemption clauses of most similar products on the market.

To put it bluntly, the exemption clause refers to the contents or situations in which the insurance company does not bear the insurance liability, such as the insured's injury to the insured, drunk driving, drug abuse, and the insured's suicide. , generally belong to the exemption clause. Therefore, from the perspective of the insured, the liability of the exemption clause should be as little as possible. It should be understood that the exemption clauses for some products of the same type on the market are included in Article 3. In contrast, the exemption clause of this product plan is not very considerate to the insured.

On the whole, Yingli life annuity insurance product plan has a low cost performance and comprehensive basic protection, but there are five exemption clauses. Compared with the products with only three exemption clauses on the market, it is not worth buying.

For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister arranged a lot of value-for-money and solid annuity insurance. You can choose the best one here:

"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》

Write it at the end

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WeChat official account: top student said that the insurance cost is low, so buy the right insurance!