Comprehensive evaluation of Huaxia Xiyingmen pension annuity insurance! ? Is the income high?

With the increasingly severe situation of providing for the aged in China, more and more people feel the great pressure of providing for the aged. According to relevant data, China's pension reserve will be exhausted in 2035. Then, if you want to rely on the pension issued by the state, obviously you can't live a rich old-age life, you still have to work hard!

Commercial endowment insurance is a good choice. We might as well buy one when we are young, and then the endowment insurance products will provide a fairly stable cash flow, thus greatly improving our quality of life in old age.

So what kind of endowment insurance is worth insuring? In order to help you solve this problem, Senior Sister takes Huaxia Life Insurance Xiyingmen Pension Insurance (Universal) as an example to tell you how to apply for pension insurance.

The length of this article may be longer. If you don't have time to read slowly, you can read this simplified version first.

"Look before you buy! Pay attention to "Xiyingmen Pension Insurance (Universal)"! 》

1. What are the guarantees of Xiyingmen old-age insurance (universal)?

Before evaluating this product, let's take a look at the product protection diagram:

After reading the protection map, we can know that the protection content of Xiyingmen old-age insurance (universal) is not too much. Just for everyone to better understand this product, the senior may wish to analyze this product from the perspectives of insurance conditions and security responsibilities.

1, analysis of insurance conditions

Xiyingmen Pension Insurance (universal) is limited to the insurance age range from being discharged from hospital five days after birth to being 60 years old. There is only one option for the guarantee period, and then the payment period is divided into: wholesale payment /3/5/ 10 year, and the payment method is set to wholesale payment/monthly payment/annual payment.

In fact, the insurance age of Xiyingmen old-age insurance (universal) is not loose enough. In fact, many old-age insurances directly set the maximum insurance age to 70 years old. Compared with this kind of products, Xiyingmen endowment insurance (universal) does not give special care to people aged 60-70.

However, the payment period of this product is flexible, and the insured can choose the payment period that suits him best according to his actual situation.

2. Analysis of guarantee responsibility

Xiyingmen endowment insurance (universal) covers pension, death/disability insurance and universal account.

If the insured is still alive at 0: 00 on any policy anniversary date, the insurance company will pay the old-age insurance premium to the insured according to 1% of the account value on the policy anniversary date, counting from the date of receiving the old-age insurance premium (agreed by the insured and the insurance company, which shall not be lower than the retirement age stipulated by the state).

It should also be noted that the sum of the accumulated insurance contract account value and the pension annuity received in each policy year shall not exceed 20% of the premium paid.

If the insured dies/is completely disabled, the insurance company will directly settle the claim, and the amount of compensation is the larger value of the premium paid-the pension annuity received and part of the account value received and the account value.

Well, seeing this, I believe everyone has a certain understanding of the basic situation of Xiyingmen old-age insurance (universal). So is there anything worth insuring for this product? Please continue reading!

2. Is the value of Xiyingmen Pension Insurance (universal) worth insuring?

After carefully reading the protection map, we can know that Xiyingmen Pension Insurance (universal) has its own universal account. I'm afraid many people who have just learned about insurance will think that universal account is a high-interest account set up by insurance companies to improve our income. As long as we put money into it, our wealth will increase rapidly. To tell the truth, this idea is still misunderstood.

If you don't know about universal insurance, just look at the following article:

"Using universal insurance to manage money, the income is stable and safe? Universal insurance from the beginning! 》

Generally speaking, universal accounts will set three kinds of interest rates: guaranteed interest rate, mid-range interest rate and high-end interest rate. Just like Xiyingmen Pension Insurance (universal), for example, the guaranteed interest rate, mid-range interest rate and high-grade interest rate of this product are 3.0%/4.5%/6.0% respectively.

Many people think that the accounts they own will have high interest rates. However, insurance companies have long stated in the terms that all investment returns above the minimum guaranteed interest rate are uncertain. In fact, the demonstration level of middle and high-grade interests may be higher than that of insurance contract accounts.

On the whole, Xiyingmen endowment insurance (universal) is not only harsh in age conditions, but also has some loopholes in universal accounts, so it is not an excellent product. Friends who want to get high returns may not be worth buying this product.

Senior, there are still many good products here. If you need to look at the following list, you may find products that are more in line with your own income expectations:

The top ten commercial endowment insurance market with cost performance! 》

Write it at the end

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

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

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