What kind of insurance is Xinyu Jinsheng Endowment Insurance? How old is the guarantee?

Perhaps everyone is familiar with China Life. It is a large insurance company with a long history and strong strength, selling a wide range of products.

Is Xinyu Jinsheng Endowment Insurance, which is popular on the Internet, also worth buying? Below, I will give you an in-depth review!

This article can help you familiarize yourself with endowment insurance in advance. For those who don’t know, come and take a look:

"The salesperson will definitely not tell you about endowment insurance." It's your business! 》

1. The contents of Xinyu Jinsheng Endowment Insurance are revealed!

In order for our friends to have an intuitive understanding of Xinyu Jinsheng Endowment Insurance, I will open its product protection chart:

1. A wide range of insurance ages

The age requirements for Xinyu Jinsheng Endowment Insurance are that the insured is more than 28 days old and under 72 years old. This insurance age setting is relatively loose. Even some elderly groups over 60 years old can configure this product to improve their own protection.

You must know that some endowment insurances on the market only allow people to purchase them at a maximum age of 65. In comparison, Xinyu Jinsheng Endowment Insurance has a relatively relaxed age setting for insurance.

2. Rich types of insurance benefits

Xinyu Jinsheng Endowment Insurance will pay survival insurance benefits at a specified time to the insured who survives during the insurance period, etc. When the contract expires, he will also be able to obtain a maturity insurance payment.

Of course, endowment insurance definitely also provides death insurance. Xinyujinsheng Endowment Insurance not only covers conventional death insurance, but also adds accident insurance for passenger transportation vehicles. More importantly, these two insurance benefits can be generated independently.

In other words, if the insured dies due to taking public transportation, the insurance company can also provide another passenger transportation accident benefit after paying the death insurance benefit to the insured. Injury insurance benefits are paid to consumers.

3. Universal account can be added

If you analyze the good start products of major insurance companies, you will find that many of them come with additional insurance for consumers to choose from. Shou's Xinyu Jinsheng Endowment Insurance is the same as them.

This product includes three types of universal whole life insurance, Xinzunbao Type A, Xinyuanbao Lexin Edition and Xinzunbao Type C, allowing everyone to transfer survival insurance and maturity insurance. into a universal account to realize the secondary appreciation of funds.

2. What is Xinyu Jinsheng Endowment Insurance like?

1. The guaranteed interest rate of the universal account is only 2.5

Everyone knows that if the universal insurance is not attached to the universal account, the income it generates is not very much.

Although the number of universal accounts that can be added to the Xinyu Jinsheng Endowment Insurance we mentioned before is three, the guaranteed interest rate for these products is only 2.5.

Compared with similar products, this level is not outstanding. There are many products of the same type on the market, and everyone can get a guaranteed interest rate of 3.

Everyone should pay close attention to this 0.5 gap. Universal accounts generally adopt the method of compound interest appreciation. Over time, the difference in income between them may exceed your imagination.

2. Few policy rights

Policy rights means that in addition to providing protection to the insured, the insurance contract can also provide other benefits to the insured (insured). Services, such as policy loans, automatic premium payment, reduced payment, adding or subtracting insurance, annuity conversion, etc.

However, the benefits that Xinyu Jinsheng Endowment Insurance can provide to everyone are policy loans and conversion annuities, and the benefits provided are still somewhat limited.

There are other products on the market that, in addition to these two benefits, also provide the benefit of automatic premium payment or reduced payment, which can alleviate the insured's financial problems when they are short of funds and unable to pay the current premium. financial pressure.

If you still don’t understand the protection of Xinyu Jinsheng Endowment Insurance, this article with a more detailed analysis can help you.

"China Life's "Xinyu Jinsheng" endowment insurance has a good start in 2022, and the protection responsibilities are revealed! 》

To sum up, Xinyu Jinsheng Endowment Insurance has average price-performance ratio and lacks protection content, so it cannot be called an excellent product worth buying.

Although endowment insurance can play a role in improving the protection system, the first thing to do is to configure a complete basic life insurance.

If you want to buy a more cost-effective critical illness insurance, I would like to introduce you to a product with an additional critical illness benefit of up to 80% of the basic insured amount.

The name of this product is Tongfang Versailles Plus Critical Illness Insurance. Interested friends can click below to learn more:

"Versailles Plus Critical Illness Insurance Returns, In-depth Review Before Buying" A must see! 》

Write it at the end

I am a top student talking 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.

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