Enjoy Jinsheng Pension Insurance, OK? What does the guarantee cover?

As a popular product in the market, Xinxiang Jinsheng endowment insurance is favored by many friends.

What about this insurance? Is it suitable for configuration?

Today, senior sister took the time to take you to know more about this product and see what advantages it has to win the love of so many people.

Friends who don't know much about annuity insurance can read this article:

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

1. What is the protection of the new golden life pension insurance?

As usual, let's take a look at the protection content map of this product compiled by Senior Sister:

From the figure, we can find that the content of the new Xiang Jin Sheng pension insurance is quite simple.

Then senior sister will explain the insurance rules and terms of this product to you.

1, insurance rules

From the picture, we can see that all partners aged 30 days to 65 buy this product, and then there is only one choice for the guarantee period, that is, lifetime guarantee.

In the setting of payment period, Xinxiang Jinsheng endowment insurance provides wholesale payment, 3 years, 5 years, 10 years or 20 years. The payment period is flexible, so you can choose according to your actual situation.

Generally speaking, assuming that the income level of small partners is not low but unstable, it is ok to choose wholesale; If you are a friend whose income level is not too high but relatively stable, it is best to choose a friend with a long payment period.

For consumers, the fewer exemption clauses, the less likely they are to suffer. Many friends who know about pension insurance will probably find that some pension annuities in the market support three exemption clauses, while Xinxiang Jinsheng pension insurance has seven exemption clauses. Comparatively speaking, Xinxiang Jinsheng endowment insurance has many exemption clauses.

2. Guarantee content

The coverage of newborn endowment insurance is not very rich, and it only provides two kinds of protection: pension and death.

The collection of pension annuity can be divided into annual collection or monthly collection. The way we choose is different, and the amount received each time is different. According to the regulations, from 0: 00 on the date of receiving the pension insurance money to 24: 00 on the day before the 25th policy anniversary, it is the guarantee payment period of the pension insurance money.

In other words, there will be no situation in which the pension annuity cannot be received. If he dies during this period, the remaining unpaid pension will be collected by the corresponding beneficiary in one lump sum.

At present, the payment of death insurance benefits is divided into three situations by the company. The following is an introduction: death before 0: 00 on the collection date of pension insurance, death during the payment period and death after the payment period, and the amount of compensation for death in different periods is different.

Regarding the launch of Xinsheng Pension Insurance, let's talk about this first. If you want to know more about this product, you can read this article:

"Xin Xiang Jin sheng endowment annuity insurance is really worth buying? After reading these points, decide! 》

Second, is it worth our insurance to enjoy the insurance value of Jinsheng Pension?

Sister Xue has studied the above contents, and I believe everyone is not so unfamiliar with this product. Comprehensive analysis shows that the payment period of this product is flexible, but the coverage content is still quite small, and the number of exemption clauses is also relatively large.

Therefore, the senior sister thinks that the cost performance is average and it is not worth buying. I suggest you look at other similar products on the market.

Finally, my senior sister is here to send you a pit prevention guide for annuity insurance, hoping to help you choose your favorite insurance products:

Learn this trick and stay away from the 99% pit of annuity insurance.

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!