Is Jinzhi Qi Hang Education Gold Annuity Insurance Reliable? Is it worth buying?

It is said that this product, Jinzhi Qi Hang Education Gold Annuity Insurance, has aroused heated discussion among many parents on the Internet.

Then let's evaluate the actual situation of this product together!

Parents who want to know quickly whether this product is worth insuring may wish to take a look at this in-depth evaluation report:

Is the insurance value of Hengan standard Jinzhi Qi Hang education pension worth buying? We must pay attention to these points. "

First, the security highlights of Hengan standard Jinzhi Qi Hang education gold annuity insurance

Before the formal study, parents may wish to take a look at the protection figure of this product:

The protection map clearly shows the insurance rules and contents of Jinzhi Qi Hang Education Fund and Annuity Insurance. Minors born more than 30 days to 12 years old are eligible for insurance, and the insurance is set to 25 or 30 years old. Then there is the guarantee content, which directly includes university education fund, continuing education fund, death insurance fund and due insurance fund. In addition to the above-mentioned insurance rules and protection contents, Senior Sister intends to tell you the following highlights:

1, flexible payment method

The payment method of Jinzhi Qi Hang Education Endowment Insurance provides batch payment and annual payment, and the annual payment is set to 3 years and 5 years, 10 year. The payment method of this product is still flexible, and the insured family can choose the payment method that suits them according to their family economic situation. If it is a family with relatively stable cash flow, the payment time can be extended a little.

2, education funds and insurance funds earmarked, reasonable planning.

Jinzhi Qi Hang Education Gold Annuity Insurance is a kind of education gold insurance specially aimed at the expenses of university and continuing education. Although the protection is somewhat simple, the planning of these two education funds is particularly in place. University education grants and continuing education grants are the best financial support for children in the process of receiving higher education, which can ensure children to successfully complete their studies even if their families may encounter changes. Let's look at the expiration insurance. After the completion of the course, whether as start-up funds, living allowances, marriage funds, down payment for buying a house and a car, etc. , is a commendable fund with a wide range of uses to help children open a new chapter in their lives.

3. The safety content is rich.

Jinzhi Qi Hang Education Gold Annuity Insurance covers not only university education and continuing education, but also death insurance and expiration insurance. Compared with the education annuity insurance with only education and expiration insurance, this product not only provides education insurance, but also provides death and expiration insurance, which is more perfect.

Having said that, everyone should know more or less how to choose the annuity insurance that suits them. If you want to know what you need to pay attention to when buying annuity insurance, don't miss this article:

"Annuity insurance? Is there anything to pay attention to? Do you have any good products? 》

Two, the purchase of Hengan standard gold branch navigation education gold annuity insurance matters needing attention

1, with insurance threshold setting.

At present, Jinzhi Qi Hang Education Pension Insurance has a premium threshold. The wholesale premium is required to be15,000 yuan to 3 million yuan, with a minimum of 8,000 yuan to 3 million yuan in three years, 6,000 yuan to 2 million yuan in five years, and/kloc-0,000 yuan to/kloc-0,000 yuan. This premium setting makes the payment threshold of this product higher, which is not good enough for families with limited budgets.

2. There are 7 exemption clauses.

There are 7 exemption clauses in Jinzhi Qi Hang Education Pension Insurance. In short, 3-4 exemption clauses are excellent. The more exemption clauses, the more responsibilities the insurance company does not have to bear, so the more unfavorable it is to the insured. Therefore, when people buy insurance, they often choose as few exemption clauses as possible.

Generally speaking, although Jinzhi Qi Hang Education Pension Insurance has many bright spots, it also has some problems such as high insurance threshold and many exemption clauses. I want to buy annuity insurance as a small partner in education planning. My sister suggested that I might as well compare several models before making a decision: "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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