Compared with Evergrande Splendid Future Annuity Insurance, what are the highlights of Xinyu Jinsheng Insurance?

Xinyu Jinsheng Insurance of China Life Insurance and Bright Future Annuity Insurance of Evergrande Life Insurance can be regarded as life insurance products with relatively high sales volume. The overall cost performance of the two products is high, the guarantee is complete, and the payout ratio is high, which is worth considering. So what are the characteristics of these two products? Let's have a look!

Before the article begins, taking annuity insurance as an example, Senior Sister collated a piece of information about annuity insurance. Interested parties can take a look at the following article:

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

1. What is the difference between Evergrande Splendid Future Annuity Insurance and Xinyu Jinsheng Insurance?

Not much nonsense here, let's analyze the product comparison chart first:

Although these two products belong to different types of insurance, China Life Xinyu Jinsheng Insurance has set up a conversion annuity interest. In other words, we can think of it as an annuity insurance. After all, if the insured actively exercises this interest, the product can provide the insured with the protection of annuity insurance.

So what's the difference between these two products? Senior sister will tell you about the rules and protection of insurance!

1, analysis of insurance rules

Xinyu Jinsheng Pension Insurance covers the age range from 28 days after birth to 72 years old, and Jinxiu Future Education Annuity Insurance supports people from 30 days after birth to 10 years old. After comparison, Xinyu Jinsheng Pension Insurance has set a more relaxed age range.

But it should be, because a bright future is an annuity insurance defined as children's education expenses, and its main function is to ensure that children can have a stable cash flow in the process of further study in the future. This means that it is not applicable to anyone except those over 30 days-10 years old.

In addition, the payment term of these two products is 3/5 years or wholesale payment. Compared with those products with very simple payment years in the insurance market, the more payment years the products cover, the more opportunities the insured will have to choose a suitable payment period according to their own insurance needs.

If you still don't know how to choose the payment period, you can take a look at the following article:

"How to choose the payment period so as not to lose money? 》

2. Security content analysis

Xinyu Jinsheng endowment insurance can provide security services in the following aspects: survival insurance, expiration insurance, passenger accident insurance and death insurance.

This product can not only provide relevant protection before death, but also provide insurance protection after death. Under the condition that the insured is not dead, not only can he get the survival insurance money, but also the due insurance money. If the insured dies unfortunately, the insured's family can get the death insurance money, and under certain conditions, the accidental injury of passenger transport may also get the death insurance money.

The most important function of bright future education annuity insurance is to directly ensure that the insured can have a stable cash flow in the process of further study in the future. The coverage of Jinxiu Future Education Annuity Insurance includes: growth care fund, high school education fund, university education fund, continuing education fund, family establishment fund and death protection fund.

From the fifth anniversary of the insurance policy to the expiration of the protection period, Bright Future Education Annuity Insurance will provide financial assistance to the insured in a particularly important life period to help him live a more exciting life.

For the introduction of these two products, Xue Jie will tell you here first. In short, if you think it is necessary to buy an education annuity insurance for your baby, then Evergrande Splendid Future Education Annuity Insurance must be your best choice! If you want to know more about this product, you can read the following article.

Is Evergrande's "Bright Future" education fund worth buying? I advise you to be careful! 》

To sum up, two life insurance products, Evergrande Splendid Future Annuity Insurance and Xinyu Jinsheng Insurance, are quite satisfactory, with their own characteristics in terms of coverage content and insurance conditions; Everyone can screen suitable insurance products according to their own needs.

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!