How about Xinyao Oriental Annuity Insurance, is it reliable? What are the pros, cons and routines? I

Xinyao Oriental Annuity Insurance. This product is a short- and medium-term annuity insurance product, with 3 years of insurance for 10 years, and fast return on principal at maturity; Moreover, the insurance age is relatively wide, which is suitable for both children's education and pension.

As can be seen from the above figure, the main structure of this product is: maturity payment + death benefit + universal account, so what are the specific features?

1. Fast return on investment, suitable for short- and medium-term financial management.

The protection period of Xinyao Oriental Annuity is only 10 years, and the annuity can be received from the fifth year of the policy, and 100% of the basic sum assured will be paid in the 10th year, which means that the principal can be recovered within 10 years with interest.

The optional payment period is also relatively small, and you can only choose to pay in a single payment for 3 5 years, which is shorter and reduces the pressure of insurance.

Unlike pure pension annuity insurance, you can only start receiving it when you retire or when the contract agrees.

2. The longer the payment, the more you will receive in the year.

The annual premium payable for this product is determined by the payment period:

Single payment 3 The annual premium corresponding to 5 years of payment is 20%, 60%, 100%, and the policy will be paid after the fifth year.

3. Choose one of the three universal accounts.

Xinyao Oriental Annuity Insurance has a total of three universal accounts to choose from, and the policyholder can flexibly match it according to his own needs to ensure that after the expiration of the protection period of the main insurance, the funds can also be added to the universal account for the second time, which will be analyzed in detail by the father below.

Finally, Daddy wants to talk about the death benefit of this product: receive the refund of the premium paid for the death of the previous person; In the event of death during the receiving period, the sum of annuity + maturity payment will be returned.

Hello, Xinyao Oriental annuity insurance is a product that I have bought a lot, and my dad will help you talk about how this product is and whether there are any pitfalls.

For those who don't know much about annuity insurance, you can take a look at this article: "Annuity insurance can be seen or touched, annuity insurance pit prevention guide!" 》

There are no pits. This product is a wealth management product, paid for three years, and matured for 10 years. Guaranteed yield.

The additional account is currently yes. Buying insurance and financial management is to have long-term and stable income. Compared to other products, this product has a short payment time.

This is what some customers look at.

Xinyao Oriental Annuity Insurance, as one of the opening insurance companies of Chinese Life, this product was launched by China Life in order to compete for market share, and the protection content is not bad! So is Xinyao Oriental New Year Travel Insurance worth our insurance? In today's article, Senior Sister will reveal the secret for you!

Before the assessment begins, if you don't know much about annuity insurance, you can take a look at the following article:Learn this trick and stay away from the 99% pit of annuity insurance

The old rule, let's take a look at the product guarantee chart first:

Judging from the figure, the protection content of Xinyao Oriental Annuity Insurance includes annuity, maturity insurance, and death insurance. From the effective date of the first year after the contract has been in force for 5 policy years, if the insured continues to live, the corresponding annuity will be paid in accordance with the terms and conditions.

In addition, if the insured survives until the end of the coverage period, you can also get 100% of the basic sum assured as the maturity insurance benefit. If the insured dies during the benefit period, the insurance company will also pay the beneficiary according to different plans according to the time of death of the insured.

Compared with most annuity insurance on the market, the protection content of Xinyao Oriental Annuity Insurance can only be said to be decent, and there are not too many bright spots. In addition, the protection period of this product is not long, only 10 years, if the insured wants to get long-term annuity protection, it is not suitable to apply for this product.

Regarding the basic situation of Xinyao Oriental Annuity Insurance, the senior sister will first introduce it to you here. If you want to know more about this product, you can click on the link below:Guoshou Xinyao Oriental is really a starry Quartet?

After reading this article, you will understand

There are many annuity insurance on the market, and some of them will not only provide annuity protection for the insured, but also set up "congratulatory money" and "birthday money" in addition to the amount of money. When the insured lives to the age agreed in the contract and meets the conditions for payment, he can also get a corresponding insurance payment, so as to improve his material living conditions.

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Hope.

If there are people with financial needs and friends who want to receive annuities at some point in the future, you can consider buying this kind of annuity insurance from Xinyao Oriental. However, the highlights and shortcomings of Xinyao Oriental Annuity Insurance are more obvious, and everyone still has to pay attention to it before buying.

Let's take a look at the protection essence of Xinyao Oriental Annuity Insurance:

People who are more than 28 days old and under the age of 70 are covered by Xinyao Oriental Annuity Insurance, the protection period of this product is 10 years, support single payment, 3 5 years of payment, and set up 7 exemption clauses.

During the protection period, Xinyao Oriental Annuity Insurance can provide death protection for the insured, and pay the annuity to the insured according to the agreed situation, and if the insured does not die at the end of the insurance period, you can receive the maturity insurance benefit.

In addition, Xinyao Oriental Annuity Insurance can also provide the right to convert annuities.

The highlight of the negotiation of Xinyao Oriental Annuity Insurance is that the payment period of this product is set perfectly, which not only supports regular payment but also supports single payment, which can meet the payment needs and habits of different consumers. Moreover, the short protection period of this product means that the probability of the insured getting the maturity insurance benefit is not low.

However, Xinyao Oriental Annuity Insurance also has shortcomings, there are not many rights and interests in this product, and its annuity access is relatively small.

So, what annuity insurance on the market is more worthy of attention than Xinyao Oriental Annuity Insurance? Just look here:Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

Hope touches.

The first question: China Life's Xinyao Oriental Annuity Insurance is not a pit person.

As we all know, Chinese Life is a long-established insurance company in China, which was established as early as 2003 with a registered capital of 100 million yuan, of course, with the consent of the China Banking and Insurance Regulatory Commission; The Xinyao Oriental Annuity Insurance under Chinese Life Insurance was naturally approved by the relevant regulatory departments before it was launched to the majority of consumers.

Therefore, in the case of meeting everyone's own insurance needs, you can consider it with confidence.

In this regard, the next senior sister will take Xinyao Oriental Annuity Insurance as an example for evaluation, and interested partners can learn about it together.

The following picture shows the protection map of Xinyao Oriental Annuity Insurance

As can be seen from the above protection chart, Xinyao Oriental Annuity Insurance is mainly for people who are more than 28 days old and under the age of 70 to provide protection; Judging from the upper age limit of 70 years old, this product is quite intimate in terms of the age range of insurance.

Seeing this, if there are friends who do not know much about Chinese life, then the following article is worth seeing:How is China Peel Life Insurance, what products are available, and are they good?

1.Analysis of insurance conditions

The protection period of Xinyao Oriental Annuity Insurance is 10 years, and from the perspective of the length of protection, this product is an annuity insurance product with short- and medium-term protection.

In terms of payment term, this product has a total of 3 payment term options, including single payment, 3-year payment and 5-year payment.

It can be seen that Xinyao Oriental Annuity Insurance is more suitable for people who pursue short- and medium-term protection, as for how to choose the payment period, it is recommended to consider from their actual economic conditions and choose the one that suits their own situation.

2.Guaranteed content analysis

In terms of protection content, Xinyao Oriental Annuity Insurance mainly provides three types of annuity, maturity insurance and death insurance, as well as the policyholder's two rights and interests of switching annuity and borrowing during the protection period.

Secondly, the proportion of annuity payment is affected by the payment period selected at the time of insurance, for example, if you choose to pay in a single payment, the corresponding annuity will be paid at 20% of the annual premium.

At the end of the article, if you are interested in Xinyao Oriental Annuity Insurance, the following evaluation is more detailed:Guoshou Xinyao Oriental is really a starry Quartet? After reading this article, you will understandHope.

Whether Chinese Shoukai Empty Door Red Annuity Insurance Xinyao Oriental is worth buying, it also depends on whether this product meets the protection needs of the policyholder, if it does, this is a product worth buying, and vice versa. The advantage of Xinyao Oriental Annuity Insurance is that the payment period is flexible, and the disadvantage is that other rights and interests are relatively simple.

Guoshou Xinyao Oriental is really a starry Quartet? After reading this article, you will understand

1.Flexible choice of payment period for Megafiber blind fee

You can see from the product diagram given above by the senior sister that there are 3 payment terms for Xinyao Oriental Annuity Insurance, which are single payment and 3 5 years payment.

Compared with those products on the market that only have 1 or 2 payment term options, the payment term choice of Xinyao Oriental Annuity Insurance is still relatively rich, which can allow everyone to enjoy a higher flexibility in the choice of payment period.

How to choose the payment period so that you will not lose?

2.Other rights and interests are single

According to the terms, the other rights and interests of Xinyao Oriental Annuity Insurance are the conversion of annuity benefits, and the beneficiary can choose to receive the death insurance benefit or maturity insurance benefit at one time, or convert the death insurance benefit or maturity insurance benefit in whole or in part into an annuity to receive it.

It can be seen that such other rights and interests services can improve the practicability of the policy to a certain extent.

However, the fly in the ointment is that rights and interests services such as automatic premium payment and reduced payment do not exist in this product, and the insured cannot enjoy more abundant rights and interests services.

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