Tong Jiaxi Life Insurance is a good start in 2022 launched by Evergrande Life Insurance. It is a life-saving increase, and the insurance amount increases with age.
Product form is as follows:
Next, as usual, let’s analyze its advantages first and then analyze its disadvantages.
Any broker who only talks about advantages or disadvantages is not neutral and objective, because there is no perfect product on the market. How to choose? I usually give my customers product solutions that have far greater advantages than disadvantages. For example, products with a score of 95 or above can be purchased.
Advantages analysis
1. No waiting period
Life insurance waiting period is generally 0/30/90 days, Evergrande has no waiting period, which is a small advantage.
Other advantages
No
Start to draw pit
Disadvantages 1. The profit is not the best
About the profit.
First interpret: the annual insurance amount of Tong Jiaxi Life Insurance is increasing year by year at 3.98%.
This is not based on 3.98% of the premium paid, but based on the insurance amount, the insurance amount is generally lower than the premium paid. So in the end, we have to compare the value of cash.
If there is no insurance policy, Tong Jiaxi's income will be pretty good.
But if you want to add insurance later, Tong Jiaxi did not write the additional insurance into the terms.
Compared with other best insurance products, the following is their maximum payment rate of irr yield comparison:
is obviously much higher.
Disadvantages 2. The amount of physical examination for is too low.
is paid in a lump sum:
insured amount ≤50,000 yuan, and the age of 18-80 is exempt from physical examination;
insured amount 50,000 yuan, and the requirements for physical examination are also different from ages.
period of payment:
insured amount ≤400,000 yuan, and aged 18-80 years old is exempt from physical examination;
if the insurance amount is 400,000 yuan, the physical examination requirements are also different.
Generally speaking, the age is low and the insurance amount is low, and the possibility of avoiding physical examination is increased.
st period of insurance payment of 400,000 yuan will be required for a physical examination, which is really too low.
Disadvantages 3. Adding insurance and reducing insurance have not been written into the contract
Generally, it is best to add and reducing insurance into the contract for the increase and reducing insurance. It is black and white to avoid quarrels in the future. It would be better if the conditions for adding insurance can be maximized.
But Tong Jiaxi did not write it in.
Disadvantages 4. Children's energy insurance has low returns
Tong Jiaxi As the main insurance, you can add an additional insurance: Evergrande Heirloom Annuity Insurance, also known as universal account.
1. Minimum guaranteed interest rate: 2.5%, much lower than 3% of other products at present.
2. The additional handling fee is too high, and it will not be returned. Generally, 1% will be returned to the customer.
3. The handling fee in the first 5 years is high: 5%/4%/1%/1%/1%.
is generally 3%/1%/1%/1%/1%.
4. If you want to use money in the middle and want to withdraw the part, you will get up to 20% per year.
Other disadvantages
No full liability
No gift accident insurance
5 Disclaimer clause , a little more, 3
Best
5 Disclaimer clause , a little more, 3
. Only the death/full disability protection is guaranteed, no accident insurance is given.
. The maximum payment is only 10 years. There are no 15 or 20 years. It is not very good for those who are currently in short supply.
Comments
Overall, Evergrande Tong Jiaxi is a relatively rough life increase.
If you are still confused about Evergrande Tong Jiaxi , and are afraid of taking out wrong insurance or wanting to perform the best solution matching, insurance and claims issues, etc., welcome to leave a message in the background.
Continue to share high-quality product reviews and knowledge sharing in the later stage, so that each of us can spend the least money to ensure the most comprehensive protection and the best financial management.
First published on the official account｜Mibai Study Society ｜The same ID on the entire network｜Research 100+ insurance companies｜1000+ products｜Select the best quality
Review of past content
Other related development in this official account Read
How to buy cost-effective critical illness insurance , first understand the basic knowledge/type, what to protect? What are the functions and misunderstandings? large-denomination certificate of deposit was snapped up? Which bank has higher returns? Is large-denomination certificates of deposit a long-term deposit strategy? No blowing or blackening｜ Is there any pitfall in the increase of life insurance from Dingcheng Zengduoduo with a starting price of 1,000 yuan? How about insurance brokers? Which one is better for Mingya , Datong, Panhua , Yongdali, Wutongshu Insurance, Huize Insurance, and Xiaoyu Umbrella? Tongfang Xin Kangjian’s life multiple times critical illness insurance, only 1 point, which is not as good as the ICBC AXI Life Exclusive Edition, is it worth insured? What insurance can I buy for lung nodules and ground-glass-based lung nodules? What are the results of medical insurance/critical illness insurance/life insurance/accident insurance underwriting? Hengqin Jin is satisfied with the Ruyi Zun 2.0, Dingfeng No. 1, Chuanshi No. 1, Wannianxi, Qintong Exclusive, Chuanshi Jindian, and Tai , which can be won for 10 years, have more money? big pit! Be careful! Fosun and Lejian Life (2021 Edition) mid-range medical insurance
, the difference between medical insurance and critical illness insurance, what is the difference? Do you still have to buy critical illness insurance after buying medical insurance? Whose interests has the
rebate harmed? Going to jail? Lifetime ban on the industry? Which insurance policy will be invalid?
second-tier IT woman, traveling alone to Shenzhen, cross-border transformation to ensure independent financial planner (insurance + investment)
ultra-detailed analysis | No bragging, no bragging, how is Taikang Huiying Life (Adult Version) and Taikang Supreme (Celebration Version)
not bragging, no bragging! How about Taikang Xingfu Xiangyou ( dividend type) annuity? What are the advantages?
Happiness Wealth Exclusive Life Insurance, 3.5% compound interest is a routine?
upgraded to 200 diseases Evergrande Hengjia Insurance Exclusive Edition Critical Illness Insurance is the last king and the bargain price?
Pit | Tongfang Versailles No. 1 heavy
