Is the product Rongyao Family promoted by Qianhai Life Insurance worth buying? Can anyone say?

Qianhai Life Rongyao Family is an annuity insurance product, to say whether this product is worth buying, the main thing is to see how its protection content is.

Before starting, if you are not very familiar with annuity insurance, you can take a look at this first: Is annuity insurance good? Is there anything I need to pay attention to? What are some good products?

First of all, let's take a look at the product protection chart of Rongyao Family Annuity Insurance:

We can see from the protection chart of Rongyao Family Annuity Insurance (Participating Type) that the protection content of this product includes two parts: survival insurance and death insurance. Among them, the survival insurance benefit is paid from the policy anniversary (inclusive) of the 5 policy years when the contract has been in force, and the insurance benefit received each time is fixed at 30% of the basic sum assured; It is relatively simple to understand that the death benefit is paid according to the greater of the premium paid or the cash value.

It is worth mentioning that the maximum age range of this Rongyao Family Annuity Insurance (participating type) is 70 years old, which is wider than similar products with the highest insurance age of 60 to 65 years old on the market, giving people in the age group of 60 65 to 70 years old more opportunities to participate in insurance, which is still very good.

However, in the face of so many annuity insurance products on the market, what should we do to avoid falling into the pit? The following article can tell you the answer: learn this trick and stay away from the pit of 99% of annuity insurance.

Since Rongyao Family Annuity Insurance (Participating) is a participating insurance, this product also has functions such as pension, value preservation and appreciation, and wealth inheritance. However, it should be noted that the so-called dividends are the way in which the insurance company distributes the distributable surplus to customers in a certain proportion at the end of the year, so how much dividends can be distributed in the end depends on the insurance company, that is to say, there is a certain degree of uncertainty, and the small partners who want to start should be prepared in advance.

However, if you want higher returns, there are still many products on the market, and there are a few of them in this article, if you are interested, you can take a look: Top 10 Annuity Insurance Rankings Want to buy high-yield annuity insurance? Don't miss out on these 10 again!

Hello dear. "Rongyao Family" is a participating annuity insurance product customized by Qianhai Life for the elderly, and the insurance age is relaxed to 70 years old.

The insurance liability of "Rongyao Family" has two types of insurance benefits: survival insurance benefits and death insurance benefits. Among them, the survival insurance benefit will be paid from the full 5 policy years, and the annual amount is fixed at 30% of the basic insurance amount; The death benefit is paid according to the greater of the premium paid and the cash value, which is easier for the elderly to understand and apply.

As a multi-functional lifelong annuity insurance that can be received, dividends, inherited and turnover, "Rongyao Family" has four major functions: quality pension, value preservation and appreciation, wealth inheritance and policy loan.

Personally, I think that this insurance product is very friendly to the elderly, and interested relatives can consult the salesman of Qianhai Life to understand the situation.