Required reading before starting: advantages and disadvantages of AIA handed down Jinsheng 20 18 annuity insurance.

AIA Life Bangchuan Jinsheng 20 18 Annuity Insurance is a long-term financial management insurance. Since the fifth year, the annuity has been available every year, and it also provides death protection. So, is the disadvantage of Bangchuan Jinsheng 20 18 annuity insurance obvious? Let's take a look at the advantages and disadvantages of AIA handed down Jinsheng 20 18 annuity insurance.

Advantages and disadvantages of AIA handed down Jinsheng 20 18 annuity insurance

First, the advantages of AIA handed down Jinsheng 20 18 annuity insurance

1. High annuity surrender: 18% of the basic insurance amount of the surrender contract every year in the fifth year after the insurance policy of Bangchuan Jinsheng 20 18 comes into effect. In addition, the annuity amount from 64 to 105 is 36% of the basic insured amount, which is higher than similar products.

2. Dividend rebate: Although the cash dividend is uncertain, it can be enjoyed according to the annual operating performance of AIA Life.

Second, AIA handed down Jinsheng 20 18 version of annuity insurance disadvantages

Only pay attention to financial management: Bong Ishikawa Jinsheng version 20 18 annuity insurance is a financial management plan, and the rights and interests protected by death are the greater of the contract cash value and the insurance premium paid in installments, which is of course a common problem of annuity insurance. If you die, it is probably the cash value, and the compensation amount is not high.

The above is all the contents of the analysis of the advantages and disadvantages of the annuity insurance of Bangshichuan Jinsheng 20 18. On the whole, this insurance product has weak protection and can't avoid the risk of death or accident well. This kind of person is not suitable for insurance. If you want to get a stable expected return, you can try it.