What is the significance of buying a well-off and comfortable old-age security (dividend-sharing)?

Well-off old-age security (dividend-sharing type) is very popular on the Internet. I heard that the cost performance is very high, and many friends are asking, is the cost performance of old-age security (dividend-sharing) really that high? Is it really worth buying?

Today, Sister Xue will sort out some key points of this product with you to see if it is suitable to start ~

In fact, the senior has made a detailed evaluation of this product two days ago. You can collect this assessment report first:

"Is it worthwhile to start with a well-off society with peace of mind and old-age security (dividend-sharing)? The key depends on these points! 》

1. How about a well-off and comfortable old-age security (dividend-sharing)?

Don't jump to conclusions about whether this well-off and comfortable old-age security (dividend-sharing type) is excellent or not.

It doesn't hurt to be familiar with the product form diagram of this product first:

It is easy to know that the age of the insured supported by this well-off old-age security (dividend-paying) ranges from 28 days to 70 years old, with a five-year guarantee period. Among them, the specific protection contents mainly include death insurance and expiration insurance. In addition, it is also possible to distribute the policy dividend to the insured every year.

Let me tell you something:

1. Death insurance

Just when the insured dies during the insurance period, the insurance company will compensate the corresponding death insurance premium-get a certain percentage of the paid premium.

Specifically, when the insured died, his age was 18-40 years old, and the death insurance premium was160% of the paid premium;

When the insured died, he was 4 1-60 years old, and the death insurance premium was equal to140% of the premium paid;

When the insured dies at the age of 17 or above, or at the age of 6 1 above, the death insurance premium has accounted for 120% of the premium paid.

Of course, the claim settlement scheme mentioned above is only applicable to the case that the insured dies after the waiting period. For example, if the insured dies during the waiting period, the insurance company will only directly refund the premium paid at the time of purchase (if the insured dies due to accidental injury, it is not limited by the waiting period).

2. Due premium

If the insured thinks that he has never died during the whole insurance period, the insurance company will pay the insured a maturity insurance premium when the insurance period expires.

The specific amount of the due insurance premium is the basic insurance amount of the insurance contract. If the amount of insurance provided when insuring insurance products is very high, at that time, the insured will successfully obtain more due insurance money.

However, we must remind everyone of our problems, and also allocate appropriate insurance coverage according to our own actual situation without causing premium pressure.

Regarding how to allocate the insured amount, Senior Sister summarized the specific methodology in this article:

How much insurance is appropriate? Talk about the doorway inside.

3. Policy bonus

In addition, the security content of this well-off old-age security (dividend type) covers the policy dividend.

During the insurance period of this contract, the insurance company will determine the annual dividend distribution plan according to the actual operation of dividend insurance business.

Most people will blindly buy dividend insurance products because of "dividends". However, it should be noted in advance that the policy dividend of this kind of dividend-paying products is not guaranteed, and it is completely unknown whether there is any dividend every year.

On the one hand, in the specific terms of this well-off old-age security (dividend-sharing), it is stated that:

Second, is the value of old-age security (dividends) in a well-off society worth starting with?

To sum up, the content of this well-off old-age security (dividend-sharing) is not very comprehensive. It can only protect the general situation of death, but it can't provide total disability protection, and it can't provide any protection in the case of special accidental death. There is no bright spot in the guarantee content, and the overall cost performance is not very high.

In addition, although the insurance age range of this product is really wide, the guarantee period is only five years, and only the payment method of wholesale payment is set. To be honest, insurance flexibility is still a little poor. It can be concluded that this will inevitably fail to meet the needs of more friends.

Finally, although this product can provide policy dividends, the dividend situation is completely uncertain. So this insurance is not worth buying.

Therefore, instead of focusing on this uncertain dividend, it is better to focus on those insurance products that can provide death protection and have stable income-for example, increasing whole life insurance is actually a particularly good choice.

Here, Senior Sister also compiled a list of high-yield whole life insurance for everyone. You can learn about it:

"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

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

WeChat official account: Xueba said that insurance costs less, buy the right insurance!