Freshman 12 is going to buy a new student 12, male, 46 years old, with main insurance of 65,438+10,000 yuan, premium of 4,796 yuan, serious illness of 65,438+10,000 yuan, and premium of 1690.

Brother Bao said insurance, focusing on insurance evaluation! During the break, I compiled a comparison table of popular life insurance in China, and everyone collected it by themselves ~ the top ten insurance companies sold life insurance in 2020!

Whether it is suitable or not depends on your security needs, risk possibility, budget and so on. This product has been upgraded to version 17. Let me give you a brief introduction.

The main insurance for Ping 'an freshmen is dividend-paying whole life insurance, which is paid to the critical illness insurance in advance. Tell a joke, is it similar to the shampoo products launched in earlier years? I believe that people who have knowledge of shampoo and hair care should understand that shampoo is alkaline and conditioner is acidic. Many users feel that it is much easier and more secure to mix the two.

Is it worth buying a safe new student and a "two in one" product? Let's explore together. First, make a list to see the appearance of this product:

In my opinion, the benefits are probably like this:

1. Brand awareness is high: Ping An Company has a large scale, strong financial resources, many agents, many offline outlets, and fast claims settlement.

But these shortcomings can not be ignored:

1. Lack of protection: How can we only protect serious diseases? Lack of protection for minor illness!

2.*** Coverage: The death and serious illness insurance of this product is covered by * * * *. Simply put, if you are unfortunate enough to get a serious illness and get a sum of compensation, the protection of death will be gone.

3. The income is not fixed. Dividend? The cash value and dividend value are not fixed, but calculated according to the performance of the insurance company in that year. That is to say, dividends may be more or less, and there may or may not be!

4. The premium is not cheap. The 30-year-old male has an insurance coverage of 500,000 yuan, and the annual premium is about 1.4 million yuan. Let's look at the guarantees and benefits mentioned above. Is it too uneconomical?

I won't elaborate on this product one by one. Click on the blue word to view the full version of the analysis: The following is a thoroughly analyzed article, which is recommended for everyone to see:

Anyway, I advise you not to buy similar dividend insurance products. Why? I suggest you read this article and explain it in detail: