Is Fosun Prudential Xingfujia Pension Annuity Insurance worth buying? What does the guarantee responsibility include?

Fosun Prudential Xingfujia Pension Annuity Insurance product was once very popular on the Internet and is said to be cost-effective.

Many friends asked me whether this product is cost-effective and how it is?

As I happen to be more energetic today, let’s analyze Fosun Prudential Xingfujia Pension Annuity Insurance in detail to see how it performs.

Before entering the topic, you can first understand the strength and background of Prudential Fosun Life Insurance Company:

"How is Prudential Fosun, is it reliable?"

1. The protection content of Fosun Prudential Xingfujia Pension Annuity Insurance is very high!

Let’s first take a look at the product protection chart of Fosun Pramerica Xingfujia Pension Annuity Insurance:

The above picture tells us that the insurance age range of Fosun Pramerica Xingfujia Pension Annuity Insurance must be From 30 days old to 55 years old, the coverage period of Fosun Prudential Xingfujia Pension Annuity Insurance is lifetime.

In addition, the protection content of this product is not complicated, and only covers the three protection responsibilities of pension annuity, death insurance and accidental total disability insurance premium.

Next, let me introduce you to the advantages of this product:

1. The payment period is widely optional

Fosun Prudential Xingfujia Pension Annuity Insurance There are 6 ways to choose the payment period, not only single payment, but also 3/5/10/15/20 years.

Compared with similar products that only set two or three payment periods, Fosun Prudential Xingfujia Pension Annuity Insurance has more selectable payment periods and can meet the needs of most people.

If you don’t know how to choose a better payment period, you can read this article:

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

2. There are two ways to receive the pension annuity

The pension annuity of Fosun Prudential Xingfujia Pension Annuity Insurance includes two ways to receive it, namely monthly payment and annual payment. .

Among them, if you adopt the monthly payment method, the insurance company will provide insurance benefits at 8.5% of the effective insurance amount for the current period. If you choose annual payment, the compensation will be based on the effective insurance amount for the current period.

Some pension annuity insurance products on the market today only offer annual benefits in terms of how to receive pension benefits. However, Fosun Pramerica Xingfujia Pension Annuity Insurance offers both monthly benefits and annual benefits. , allowing policyholders to make reasonable choices.

Overall, Fosun Prudential Xingfujia Pension Annuity Insurance is relatively sincere.

3. The benefits of adding insurance are highly practical

To add insurance, that is, to increase the insured amount.

When some friends first started taking out insurance, their budget was not very large, so they had to choose a lower insurance amount.

However, if your subsequent income increases and you feel that the insured amount is not enough, you can use additional insurance rights to increase the insured amount and provide further protection.

It can be seen that the guaranteed rights are still very useful.

As for other advantages of Fosun Prudential Xingfujia Pension Annuity Insurance, due to limited space, I will not say more here. You can move to this article to continue to learn more:

"Can I enjoy peace of mind in retirement by insuring Fosun Prudential Xingfujia Pension Annuity Insurance? It’s hard to say...》

2. Is Fosun Prudential Xingfujia Pension Annuity Insurance worth buying?

On the whole, Fosun Prudential Xingfujia Pension Pension Insurance is a product with average value for money. Although it provides a premium exemption for accidental total disability, pension benefits are not guaranteed. For those who mind this, Be careful.

If you think this product cannot meet your needs, I suggest you look at other products first and don't buy it easily.

Write it at the end

I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;

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

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

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