What is the biggest advantage of Xinrui Steady Win Annuity Insurance? What is the age limit for insurance?

Xinrui Steady Win Annuity Insurance is very popular on the Internet. I heard that the cost performance is very high, and many friends are asking, is its cost performance really that high? Is it really worth buying?

Before evaluating Xinrui stable annuity insurance, Senior Sister would like to introduce China Life Insurance Company to you!

How about China Life? What products are there? 》

First, the big secret of Xinrui's stable annuity insurance protection!

Come and familiarize yourself with the protection map of Xinrui Win-Win Annuity Insurance:

It is not difficult to see that the coverage of Xinrui Steady Win Annuity Insurance is various, and the total coverage period is 65,438+05 years, which can be regarded as a short-term annuity insurance product. If you want to choose a long-term partner, this product can be seen that it does not meet your insurance needs.

Next, the senior sister will introduce you from two aspects: insurance conditions and protection content:

1. Analysis of insurance conditions

Especially from the perspective of insurance age, Xinrui Win-Win Annuity Insurance allows people born more than 28 days and under 65 years old to be insured; Comparatively speaking, the insurance age range of this product is relatively low, which is more friendly than those similar products with the highest insurance age of only 60 years.

Moreover, Xinrui Wenying Annuity Insurance has set up five different payment term options, namely wholesale payment, three-year payment, five-year payment, eight-year payment and 10-year payment.

Although Xinrui Steady Win Annuity Insurance is a short-term and medium-term security product, it is not perfunctory to set the payment term option! It not only supports one-time payment of premiums, but also supports the payment for the longest 10 year, which allows friends to choose the payment period that suits their wishes.

2. Security content analysis

Let's take a look at the protection content. The design of Xinrui Steady Win Annuity Insurance is still very intimate, providing special survival fund, annuity, expiration insurance and death insurance.

Secondly, through the guarantee period, the insured can also enjoy other guarantees, such as the conversion of annuity rights.

In terms of the types of annuities alone, there are three types of this product, which means that there will be three insured persons with different sources of annuity income in the future, which is much better than those with only one source of annuity of the same type!

What needs to be reminded to all friends here is that the special survival amount of Xinrui Win-Win Annuity Insurance is directly affected by the payment period chosen at the time of insurance.

Considering that the longer the payment period, the more special living allowance can be obtained. Under the condition of meeting the payment conditions, the maximum payment is 100% of the sickness insurance amount.

Seeing this, if a small partner wants to know more about the evaluation content of Xinrui Steady Win Annuity Insurance, don't miss the following article:

Is China Life's "Xinrui Steady Win Annuity Insurance" really strong? You will know after reading this article! 》

Second, is Xinrui Steady Win Annuity Insurance worth buying? Look at these two points!

1. There are 7 exemption clauses.

There are as many as seven exemption clauses for Xinrui Steady Win Annuity Insurance. To tell you the truth, the seven exemption clauses are a bit much. You know, most of the same type of annuity insurance in the market only has 3-5 exemption clauses.

Moreover, the more exemption clauses are set, the more unfavorable it is to the insured. Because the exemption clause means that the insurance company does not need to bear the insurance liability, once the insured touches the exemption clause, there is no way to claim compensation from the insurance company.

2. Lack of comprehensive disability protection

From the analysis of the above contents, we can see that Xinrui stable annuity insurance protects death, but total disability insurance does not. As we all know, if you are unfortunate enough to encounter a major accident, you will either die or survive by luck, but most people will eventually be completely disabled.

If Xinrui wins the annuity insurance, it can guarantee the total disability. Even if the insured is really unfortunate and completely disabled, he can get an insurance premium, which can at least provide him with an economic guarantee for his later life.

Therefore, it would be perfect if Xinrui Steady Win Annuity Insurance went further in the aspect of total disability protection.

Generally speaking, Xinrui Steady Win Annuity Insurance has a general performance, a wide age range, more payment years and a particularly rich variety of annuities. Suppose you don't mind the number of exemption clauses of Xinrui Steady Win Annuity Insurance and don't provide total disability protection, then consider this product.

Of course, the configuration of insurance needs to be cautious, and it is not too late to buy it after consideration. I suggest that you can compare other annuity insurance products repeatedly before you start.

Finally, if you have a small partner who wants to apply for annuity insurance, you may wish to refer to this article and choose a product that is more suitable for you:

"Top Ten Annuity Insurance Rankings ▏ Want to buy high-yield annuity insurance? Don't miss this 10 model again! 》

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!