Is China Merchants Renhe Zhaoshang Yingjia Endowment Insurance reliable? What issues should we pay attention to?

China Merchants Renhe Zhaoshangying Family Endowment Insurance is very popular online. I heard that it is very cost-effective, and many friends are asking about China Merchants Renhe Zhaoshangying Family Endowment Insurance. Is the price/performance ratio really that high? Is it really worth buying?

Let’s analyze it together~

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

"About endowment insurance, business Something the staff will definitely not tell you! 》

1. What is the coverage of China Merchants Renhe Zhaoshang Yingjia Endowment Insurance?

Come, let’s take a look at the product form diagram of China Merchants Renhe China Merchants Shangyingjia Endowment Insurance, and get a preliminary familiarity with its protection content:

As you can see, this China Merchants Renhe Zhaoshangyingjia Endowment Insurance is open to people aged 0-70 years old. When purchasing, you can choose to cover for 20 years or until the age of 100.

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

1. Death/total disability insurance

This China Merchants Renhe Zhaoshang Yingjia Endowment Insurance can protect In the event of death, total disability is also covered, which is much better than endowment insurance that only covers death.

If the insured encounters death or total disability during the insurance period, the insurance company will pay a death/total disability insurance benefit to the beneficiary. The larger of the contract cash value and a certain percentage (up to 160) of paid premiums will be paid.

With this provision, even if the insured unfortunately dies, there will still be a sum of money that can protect the future life of his family and ensure that their quality of life will not be greatly reduced.

2. Maturity insurance

It is said that endowment insurance not only protects life but also protects death. The protection provided by the death/total disability insurance mentioned above corresponds to "Guarantee death", and the maturity insurance money is simply the so-called "guarantee life".

If the insured does not have an insured accident during the entire insurance period, he or she can receive a maturity insurance premium (the specific amount is the basic insured amount of the contract) when the insurance period expires.

If the insured is a little old by then, this money can be used to improve his living standard in his later years; if it is allocated early, the insured can still be young when the insurance period expires, and this money can also be used to improve his living standard in his later years. The matured insurance money can be used for other purposes, and the insured can decide for himself what specific purpose it will be used for.

In addition to understanding the protection content you can enjoy, you must also become familiar with the insurance rules of this product. We can also see several things on the product form diagram.

But we should pay attention to the payment plans provided by China Merchants Renhe Zhaoshang Yingjia Endowment Insurance - different coverage periods correspond to different payment plans.

Regarding this issue, I will not explain it in detail here. You can learn more about it through this article:

"Is China Merchants Renhe Zhaoshang Yingjia Endowment Insurance worth buying?" Don’t worry, it’s a huge loss! 》

2. Is it recommended to buy China Merchants Renhe Zhaoshangyingjia Endowment Insurance?

In summary, this China Merchants Renhe Zhaoshangyingjia Endowment Insurance has high cost performance and comprehensive protection, so it is worth buying.

In addition to the cost-effective China Merchants Ren and Zhaoshang Ying Family Endowment Insurance, the incremental whole life insurance also has death protection and can also flexibly withdraw the cash value. The senior sister has prepared one for everyone here. The list of increased whole life insurance products is full of products worth buying. Friends in need can refer to:

"Freshly released!" Don’t miss the top five high-yield incremental whole life insurance products! 》

Written at the end

I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not been resolved yet For your questions, you can also consult me ??on the official account Xueba Talk Insurance;

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

Public account: Top academics say insurance costs less, buy the right insurance!