Comparing Ping An Fuying Jinsheng Annuity Insurance and Xinyu Jinsheng Endowment Insurance, which one is more worth buying?

Compared with stocks and funds that have unstable returns and high risk factors, the public may be more willing to choose annuity insurance products.

After purchasing annuity insurance, in addition to receiving annuity at a specific age, you can also enjoy some personal protection. Overall, it is very good.

Speaking of this, the senior student remembered that many people had sent private messages to the senior student to inquire about the two products of Ping An Fuying Jinsheng Annuity Insurance and Xinyu Jinsheng Annuity Insurance, and wanted to know which product is better. Okay, so today I will solve the mystery for everyone by comparing the products.

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< p>1. What is the difference between Ping An Fuying Jinsheng annuity insurance and Xinyu Jinsheng annuity insurance?

First of all, let me popularize some knowledge to everyone. Xinyu Jinsheng, an endowment insurance product of China Life, has the right to convert into an annuity, and can be converted into an annuity product specified by the insurance company according to the agreement.

Next, let us take a look at the protection charts of Ping An Fuying Jinsheng annuity insurance and Xinyu Jinsheng respectively:

Ping An Fuying Jinsheng annuity insurance protection chart Xinyu Jinsheng Life Insurance Chart

Without further ado, you can listen to the senior sister’s analysis and comparison:

1. Comparison of insurance conditions

First of all, let’s start with the age of insurance According to the analysis, Fuying Jinsheng’s minimum age for insurance is 28 days old and above, and the maximum is 60 years old. Xinyu Jinsheng gives purchase opportunities to people between 28 days old and 72 years old.

From the comparison of the insurance age range, we will find that the upper limit of the insurance age of Xinyu Jinsheng is a bit higher. In comparison, Fuying Jinsheng is indeed more people-friendly than the insured people aged 61-72.

As can be seen from the guarantee period, Fuying Jinsheng has a guarantee period of 30 years, while Xinyu Jinsheng can choose between 8 years or 10 years. Both products can only If you choose the guaranteed period, the protection time of the former will be longer.

As far as the payment period is concerned, Xinyu Jinsheng provides single payment and 3/5-year payment methods, and Fuying Jinsheng is equipped with 5/10/15-year payment. Although Fuying Jinsheng It has a longer payment period, but compared with the former, it lacks the payment method of single payment.

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2. Comparison of protection contents

During the insurance period, Fuying Jinsheng will pay survival benefits, special survival benefits, maturity survival benefits and other benefits to the insured based on the contract. Death insurance also provides benefits such as policy loans and automatic advance payment of premiums.

The protection liabilities provided by Xinyu Jinsheng consumers are survival insurance, maturity insurance and death insurance. In addition, it also provides protection for accidental injury and death in passenger transportation vehicles, which can provide The insured brings policy loans and annuity conversion rights.

If analyzed only by the protection content, the protection provided to the insured by these two products is indeed very different.

2. What should you pay attention to before buying insurance?

The following senior sister will tell you what to pay attention to when buying insurance.

1. Clarify insurance needs

Different insurance products have different functions. Take Fuying Jinsheng and Xinyu Jinsheng as examples. Fuying Jinsheng is an annuity insurance product. , paying the agreed annuity is its main function, and as an endowment insurance, Xinyu Jinsheng is mainly an insurance product focusing on personal protection.

So, before buying insurance, everyone must first clarify what their own needs are. Whether they want to avoid future risks or use insurance to obtain financial returns, they must think carefully before buying.

2. Protect first, then manage finances

While sorting out the insurance needs, we must also follow the principle of "protect first, then manage finances", and improve personal protection first, and then go to Consider buying insurance financing.

So, how to buy insurance? What are some tips worth using? This article talks about it in detail:

"Which insurance is better, how to buy it more cost-effectively, and how to avoid the pitfalls of insurance"

Written at the end

< p>I am Xueba Talking Insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also consult me ??on the official account Xueba Talking Insurance;

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

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