Is Fuxin Mantang Annuity Insurance (Dividend Type) Worth Buying? How much can I get every year?
The following sister will give you an in-depth evaluation! This article can help you get familiar with the precautions of annuity insurance in advance. If you don't know, let's take a look:
Learn this trick and stay away from the 99% pit of annuity insurance.
First, the product form of Fuxin Mantang Annuity Insurance (dividend type) was announced!
Like the previous rules, let's take a look at the protection essence of Fuxin Mantang Annuity Insurance (dividend-sharing type):
First of all, let's learn about the setting of insurance conditions. Fuxin Mantang Annuity Insurance (dividend-paying type) can be insured for people aged 28 days to 60 years. The protection period is 65,438+00 years or 65,438+05 years respectively, and the optional annual premium is 3/5/65,438+00 years respectively.
Now, let's take a look at the protection content of Fuxin Mantang Annuity Insurance (dividend-sharing type). Fuxin Mantang Annuity Insurance (dividend-paying type) can not only pay special survival funds and survival insurance money as agreed during the insurance period, but also protect death.
If the insured survives until the expiration of the insurance period, at this time, Fuxin Mantang Annuity Insurance (dividend-paying type) will give the due insurance money to the insured.
In terms of other rights and interests, Fuxin Mantang Annuity Insurance (dividend type) supports the following two rights and interests: policy loan and insurance deduction.
The above is the product form analysis of Fuxin Mantang Annuity Insurance (dividend type).
Due to the space problem, if you want to know more about Fuxin Mantang Annuity Insurance (dividend-paying), you may wish to move here:
How about Ying Da Fuxin Mantang Annuity Insurance (dividend-sharing type)? Can I really pay dividends to the insured? 》
2. What are the noteworthy performances of Fuxin Mantang Annuity Insurance (dividend type)?
After a detailed study by my senior, I found the highlights and shortcomings of Fuxin Mantang Annuity Insurance (dividend-sharing type).
& gt& gt Highlights of Fuxin Mantang Annuity Insurance (Dividend Type)
1, the probability of receiving the due insurance premium is high.
Basically, for all products with due return guarantee, the payment condition must be that the insured needs to live to the expiration of the insurance period, so if the protection period is shorter, the probability of the insured living to the expiration of the insurance period will be more gratifying.
The guarantee period of Fuxin Mantang Annuity Insurance (dividend type) is 10 or 15. It belongs to short-term investment annuity insurance, and the guarantee period is not long, so it is more likely that the insured will survive until the expiration of the insurance period, so the probability of applying for full insurance money will be higher.
2. Support insurance reduction
Some consumers may want to choose annuity insurance to get income when the budget is fine at the beginning, but during the protection period, they may interrupt or reduce their income for some reasons, which makes the payment pressure more obvious and has a greater chance to choose to surrender because they can't afford the premium.
If annuity insurance can have a reduction or exemption item, it will be of great help to reduce the premium pressure of consumers. Reducing insurance means reducing the insured amount, so that the total premium is also reduced, which can make consumers pay less premiums every year.
However, not all annuity insurance provides this right. Compared with most similar products, there is a saying that Fuxin Mantang Annuity Insurance (dividend-sharing type) is more satisfactory to consumers.
& gt& gt Deficiencies of Fuxin Mantang Annuity Insurance (Dividend Type)
1. Batch delivery is not supported.
It can be found that Fuxin Mantang Annuity Insurance (dividend-paying type) only covers the regular premium, and does not cover the payment method of batch payment.
For the group with good but unstable income, there is no way to plan cash flow and it is not friendly enough.
Compared with the same type of products with wholesale premium and installment premium, Fuxin Mantang Annuity Insurance (dividend-paying type) is indeed inferior in the setting of payment period.
2. Dividends are uncertain.
Fuxin Mantang Annuity Insurance (dividend type) is actually a dividend type annuity insurance. After the purchase is successful, consumers can not only have the guaranteed content, but also participate in the dividends of insurance companies, but their dividends are uncertain.
To put it simply, you may get a dividend last year, but not this year. How much dividends you can get depends on how much distributable surplus the insurance company had in the previous year.
The problem is that insurance companies will not fully disclose the profit of dividend business, so how much money they can get and whether they can get it have a lot to do with insurance companies.
Third, the summary of the senior sister
To sum up, I think everyone's understanding of Fuxin Mantang Annuity Insurance (dividend type) will be further improved.
The relatively good point of Fuxin Mantang Annuity Insurance (dividend-sharing type) is that it has a high probability of obtaining full insurance premium, which can reduce the insurance premium. But wholesale payment is not supported, and dividends are uncertain. Generally speaking, it is not very good, the cost performance is average, and it is not particularly worth buying.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister arranged a lot of value-for-money and solid annuity insurance. You can choose the best one here:
"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》
Write it at the end
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