The disadvantages of Ping An Insurance Smart Star, the advantages and disadvantages of Ping An Smart

Each type of insurance has advantages and disadvantages, mainly depends on what the customer considers, in general, the smart star is still a good children's insurance, really to say that the disadvantage is that the universal interest rate is uncertain, although the current interest rate is, but in the bank interest rate has been declining today can not be the interest rate, you bite the psychological expectation, standing in the protective function, or can, just compare with the children's safety and welfare The security function is relatively weak, if the economic ability is enough, you can add a children's peace and security, Increase the value of your baby!! For personal views only, please refer to !!

Xueba talks about insurance, focusing on insurance evaluation! How about Smart Star? Let's take a look at how it compares to other popular 135 popular critical illness insurances"Comparison Table between Smart Star and 135 Popular Critical Illness Insurance".

Smart Star This universal insurance is very popular with mothers, not only has the protection of critical illness and accidental medical treatment, but also the function of financial management, is it very exciting, is it really so? Let's first give the conclusion of the evaluation and analysis: this product is not recommended to start, it seems that everything is guaranteed, but in fact, nothing can be done well, I have summarized it in this article"It's said on the Internet that Ping An Smart Star is not good, is it true?

We need to pay attention to the initial fees and protection costs, the insurance company will deduct these expenses, and the remaining premiums will go into the universal account to make money;

The guaranteed interest rate of the universal account, which is written into the contract, Smart Star is, to be honest, it is really too low, and the best products in the industry are 3%;

Next, let's learn about this product from the content of the guarantee:

There are only 45 types of critical illnesses, which is obviously very small compared with the hot-selling critical illness insurance on the market; There is no mild or moderate illness, it is a soulless critical illness insurance;

Life insurance protection: There are two points to note here, children do not need to buy life insurance; Shared sum assured for life insurance and critical illness;

Accidental medical treatment: The additional accidental medical treatment is generally cost-effective, expensive, and only reimbursed within social insurance.

Because there is too much content, it is inconvenient to display, and the full content can be seen in the article above.

In order to avoid the user's fear of troublesome consumer psychology, the insurance company has launched this product, but you know carefully that the protection function is very weak, and it does not play a role at all when the risk really occurs, and in terms of financial management, the guaranteed interest rate is too low, and there is everything, but in fact, nothing is done.

It is the wisest choice to buy financial management and protection separately, and what is worth buying for children's insurance? Look at everyone else who has insurance"2020 Critical Illness Insurance for Kids Worth Buying is Here".

That's all for me"Disadvantages of Ping An Insurance Smart Star"All, look!

The guaranteed interest rate is too low, and the most that can be done in the market is that once the settlement interest rate is low in the future, then the product effect demonstrated at the beginning will not be obtained.

His shortcomings are also his advantages, protection + financial management, the amount of insurance is adjustable, flexible to receive, depending on what problem you want to solve, the protection is recommended to add children's peace and happiness, because the smart star has to deduct the initial cost, the protection cost is old, the premium is not high, and it may be invalid, and the financial management has Zunhong, Xinli, so you should tailor the plan according to your own needs and economic ability.

If you really want to talk about the drawbacks, every insurance has drawbacks. Either the time is too long, the payment is high, or there is a gap in the guarantee, and there are all aspects of income. This depends on the customer's own needs and actual situation.

You can't say buy it all at once, but start with what you need most. For example, if the protection is not enough, then start with the most basic protection, such as Ping An Fu for children and children, and then consider dividends and financial management.

Hello, I believe that every product will have disadvantages, if you feel bad, you can try the product combination.

There are drawbacks to any type of insurance.

Insurance is complementary and can be supplemented with our company's work.

Disadvantage 1, you have to pay money.

Disadvantage 2: Death before the age of 18 is only refundable or the cash value is greater.

The baby is 14 years old and I don't know if it's cost-effective to buy a smart star.

Smart Star is a relatively comprehensive product, protection plus financial management, can also be used for pension, flexible access and access. However, its disadvantages are precisely because of this, so everything is relatively low, the protection is lower than the pure protection product, and the expected annualized return cannot catch up with the financial management type, and the later protection cost is very high.

Advantages of Ping An Insurance Smart Star:

Educational reserves, flexible collection.

A good education is a booster for a child's bright future, and Ping An Smart Star can help establish an education fund plan with safe funds, stable value-added and the ability to independently decide when and how much to receive.

Flexible collection, which can cope with the expenses of education, entrepreneurship and marriage leave.

You can flexibly receive the policy account value according to your needs, which can be used as education funds, and can also be used for entrepreneurial and wedding expenses. The policy account is calculated on a daily basis and settled monthly, with an expected annualized interest rate for the lowest year, so that funds are safe and worry-free, and wealth grows steadily.

The scope of multiple guarantees is wide, and the amount of protection is adjusted independently.

Covering multiple benefits such as death, critical illness and accident, with up to 45 types of critical illnesses, the death and critical illness benefits can be flexibly adjusted according to the risks at different stages of life.

In the event of an insured event agreed in the contract, the premium will be waived.

If the policyholder and the insured have an insured accident agreed in the contract, they can be exempted from paying the insurance premium for the remaining periods during the exemption insurance period, which not only protects the personal risk of the child, but also protects the ability of the adult to pay.

Poor planning is the biggest problem.

And when it comes to this question, people are the key.

Unprofessional or blind profit-seeking, or irrational customers, will lead to such and such problems.

The product is objective, and the key lies in the specific policy planning.

Insurance purchase order:

1. Protect adults first, then children, because adults are children's insurance!

2. Buy protection first, then buy financial management, because health is the key to everything!

3. Long-term payment of health insurance and short-term payment of wealth management insurance, because health insurance can be attached to the exemption function, and wealth management insurance generally has compound interest and interest-bearing function!

4. Insurance must be bought early and late, and it must be bought sooner or later; Buy more insurance and buy less, buy as much as you want!

5. Insurance is first of all charcoal in the snow, and then it is the icing on the cake!

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

It is recommended to communicate with ** people in detail and verify with multiple parties, after all, face-to-face communication is the most practical and effective way.

Ping An Smart Star seems to have both protection and financial management, but the content can't stand scrutiny, I stayed up late to sort out the product evaluation, and the shortcomings of this product are here"Ping An Smart Star, those shortcomings that have been complained about.

Take a look at the product content, let's briefly analyze:

The product form of Smart Star is universal insurance with additional critical illness, which takes into account financial management and protection, which seems to be very comprehensive, but it is not

From the financial management aspect of the product:

1. High initial cost: The insurance premium you pay every year is not directly into the universal account, but to subtract the initial cost and protection cost, for example, the insurance premium paid in the first year is 5000 yuan, and the initial cost is 2500 yuan, 5000-2500 = 2500 yuan, but 2500 is not all the funds put into the universal account, because the cost of protection must be deducted.

2. Uninterrupted protection cost: the additional insurance cost is the insurance cost; It is deducted from the premium and interest every year, and it will continue to be deducted until the contract ends.

3. Very low guaranteed rate of return: The guaranteed rate of return is very low in the same industry, and the average level in the industry is mostly between.

From the point of view of the content of the guarantee:

Critical illness and death share the sum insured: For example, the death sum insured is 110,000, the critical illness sum insured is 100,000, and the critical illness claim is 100,000, and the death sum insured is only 10,000, and it is really not cost-effective to spend two parts to buy one benefit.

Critical illness protection is extremely incomplete: Critical illness insurance only covers 45 types of critical illnesses, and only pays once. Critical illness insurance products without mild illness can be said to be the biggest shortcoming in critical illness insurance, and compared with the products with comprehensive critical illness protection on the market, the gap comes out"Comparison Table between Smart Star and 136 Popular Critical Illness Insurance for Minors in China".

The shortcomings of this product have also been analyzed, how about the product, you also have a number in your heart, although it is a comprehensive annuity and critical illness, death protection, but the same is not done, expensive and the protection is not comprehensive, you can buy it separately, protection is protection, financial management is financial management, you can take a look at the list I sorted out >>

"Top 10 Annuity Insurance Points Worth Buying! 》

Updated every Monday! 【0 18 years old】Top 10 popular critical illness insurance points worth buying** points! 》

Xueba talks about insurance, focusing on insurance evaluation! This comparison table between Smart Star and 135 other popular critical illness insurance companies is given to friends who know the answer when they see this article"Comparison Table between Smart Star and 135 Popular Critical Illness Insurance".

Ping An's smart star, the main insurance is a universal insurance annuity insurance, since its launch, it has been widely controversial, taking into account the functions of protection and financial management, and the overall content is very complete, but what about it taken apart, is it still so good? Let's start with the conclusion: this product is not recommended for children!

There are really too many routines, what are the specific pitfalls, just look at this detailed explanation and analysis"Smart Star, Is It a Wise Choice"., don't impulsively insure, or have a detailed understanding before buying:

Smart Star is a product that takes into account both protection and financial management, so, let's talk about these two aspects respectively, let's take a look at financial management first:

We need to pay attention to the initial fees and protection costs, the insurance company will deduct these expenses, and the remaining premiums will go into the universal account to make money;

The guaranteed interest rate of the universal account, the guaranteed interest rate of Smart Star, is that other products on the market can reach 3%;

Secondly, from the aspect of protection, let's talk about this product:

There are only 45 types of critical illnesses, and now there are hundreds of types of critical illness insurance in the industry, and there are also a lack of moderate and mild diseases.

Death protection: For children, this protection is not important, life insurance is bought for the breadwinner of the family, and children do not need to buy life insurance;

Accident protection: Accident insurance is very cheap, with an annual premium of one or two hundred, while the accident medical treatment attached to Smart Star costs 330 yuan, and it is only reimbursed within social security.

Because there is too much content, only the main points listed here, if you don't understand, you can read the above article.

It has protection, you can lose money when you get sick, and you have financial benefits, which are very popular with consumers, but these insurances that say that they are both protective and can make money, and in the end they basically have no protection and no money.

It is the wisest choice to buy financial management and protection separately, and you don't know what insurance to buy for your child, you can look at this list of children's critical illness insurance"2020 Children's Critical Illness Insurance Ranking".

That's all for me"What are the disadvantages of Ping An Smart Star Insurance? "

Improper planning is the biggest problem, and this problem, people are the key, unprofessional or blind profit-seeking, or irrational customers, will lead to such and such problems.

Insurance purchase order:

1: Protect adults first, then children, because adults are children's insurance 2: Buy protection first, then buy financial management, because health is the key to everything 3: Long-term payment of health insurance, short-term payment of financial insurance, because of the additional exemption function of health insurance, financial insurance generally has compound interest and interest calculation function.

4. Insurance must be bought early and late, and it must be bought sooner or later; Buy more and buy less, buy as much as you want5: Insurance is first and foremost a blessing in disguise, and then the icing on the cake.

The specific recommendations for insuring your child are as follows:

1: To buy insurance for children, you must first consider whether the adult is adequately protected, and do not put the cart before the horse2: Do not ignore the local insurance policy, whether there is medical protection for the old and the young, and then talk about education funds on the basis of protection.

3: In terms of protection, accidents, critical illnesses, and medical treatment must be considered 4: Children's insurance in the market, dividends, universal, and investment-linked, it is recommended to choose the first two 5: insurance planning, do what you can, and don't deviate from the reality of affordability, then you will not be insured.