What are the biggest advantages of Fosun Prudential, Xinxing and Shen Fu Pension Insurance 2022? What is the age limit for insurance?

Fosun Prudential Xinxing Shen Fu Pension Insurance 2022 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 Fosun Prudential Emerging Shen Fu Pension Insurance 2022 really that high? Is it really worth buying?

Today, Senior Sister will take a look at Fosun Prudential Emerging Shen Fu Pension Insurance 2022 with you to see if it is really that good. Click the link below to learn the true face of Fosun Prudential Emerging Shen Fu Pension Insurance 2022:

How about "Fosun Prudential Emerging Shen Fu Pension Insurance 2022"? Pay attention to these two points! 》

1. What are the advantages of Fosun Prudential Emerging Shen Fu Pension Insurance 2022?

Not much to say, look at the product map first:

As we know from the above figure, the coverage of Fosun Prudential Trust-Star Shen Fu Pension Insurance 2022 is very simple, and it only covers pension and death/disability insurance.

Next, Senior Sister is ready to analyze the advantages of Fosun Prudential's emerging Shen Fu endowment insurance 2022 in detail:

1, with a wide age range.

The insurance age of Fosun Prudential Xinxing Shen Fu Pension Insurance 2022 is 30 days to 70 years after birth, which is actually relatively broad compared with similar products on the market.

Because in many annuity insurance markets, 60 years old, 65 years old and 70 years old are the highest age for insurance.

Fosun Prudential Xinxing Shen Fu Pension Insurance 2022 has a maximum age of 70.

In contrast, it is 5- 10 years older than other similar products on the market.

Therefore, Fosun Baode Xinxing Shen Fu Pension Insurance 2022 can better meet the insurance needs of the elderly.

2. There are few exemption clauses.

Generally speaking, the exemption clause is used by the insurance company to inform the insured that if the insured dies or is completely disabled for some agreed reason, the insurance company will not bear any insurance liability.

To put it bluntly, the more exemption clauses, the smaller the scope of product protection, and the smaller the probability that the insured will get compensation.

Therefore, the exemption clauses of insurance products are definitely the less the more affordable.

At present, a large part of annuity insurance products on the market have seven exemption clauses, but the 2022 model of Fosun Prudential Xinxing Shen Fu Pension Insurance has only three exemption clauses, which is obviously less than half compared with most similar products on the market.

According to this, we can know that Fosun Prudential and Baoxing Shen Fu Endowment Insurance 2022 is more likely to be paid, which is commendable!

Some friends may still have questions about the exemption clause, so click on the following content and see what the experts say immediately!

What is the exemption clause of insurance? what do you think? If you don't understand, you will suffer a big loss! 》

2. What are the shortcomings of Fosun Prudential, Xinxing and Shen Fu Pension Insurance?

The biggest defect of Fosun Prudential New Shen Fu Pension Insurance 2022 is that the starting age of pension annuity insurance is not flexible enough for women.

The starting age of Fosun Prudential Xinxing Shen Fu Pension Insurance in 2022 includes 60 years old, 65 years old, 70 years old and 75 years old.

This setting of the starting age seems flexible, but it is actually unreasonable, because the legal retirement age of women in China is 55 years old and that of men is 60 years old.

However, the minimum starting age set by Fosun Prudential and Baoxing Shen Fu Pension Insurance 2022 is actually 60 years old.

If the insured is a woman, she will not get a pension when she officially retires, and she will have to retire for five years at the earliest.

According to this, we can know that the setting of the pension starting age of Fosun Prudential Emerging Shen Fu Pension Insurance 2022 is actually not very friendly to women.

On the whole, Fosun Prudential and Baoxing Shen Fu Endowment Insurance 2022 is cost-effective. Although the guarantee is good, its starting age setting is not very beneficial to women, so it is not recommended that you insure this product.

For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has arranged a lot of premium and thick pension annuity insurance. You can choose the best one here:

The top ten commercial endowment insurance market with cost performance! 》

Write it at the end

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

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

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