Friends, I'm Hui Jiajun!
You can feel that this year's start is not as hot as in previous years!
Why is that?
In fact, there are many reasonsFor example, the "integration of newspapers and banks", stricter supervision, economic downturn, and the reduction of scheduled interest rates in the industry. However, some friends have recently asked me if this year's good start products are worth buyingToday, Hui Jiajun will come to talk to you about the good start!
What is a good start?
From October to the beginning of the following year, insurance companies will launch activities, promote products, and improve performance.
This period is a "good start".It's a bit like Double 11 in the insurance world.
Generally speaking, there are two types of good start insurance:
1. Health insuranceFor example, critical illness insurance. There are health requirements for buying insurance.
However, during the good start, many insurance companies will relax the insurance threshold.
For those who are denied coverage due to health problems, you can seize the opportunity to pay attention.
2. Savings insurance
Including increased whole life insurance, annuity insurance, comprehensive insurance, etc., generally additional universal accounts will be attached to achieve secondary value-added. Generally speaking, the good start policy of health insurance is relatively simple;
And there are more red doors for savings insurance, and then Hui Jiajun will talk about it in detail.
Take the big brother of Chinese Shou Chinese Shou as an example to see if it is worth buying in 2024?
Life insurance in 2024Is it worth buying for a good start?
Chinese Life has launched a total of 4 models, namely:Xinyao Longteng and Xinyao Hongtu, Xinyao Annuity Insurance, China Life Xinxi Longteng.
The products currently launched by Chinese Life, like other products on the market, are mainly fast-return annuity insurance and exclusive pension insurance.
Next, let's take a look at the earnings!These two products belong to the fast-return type of term annuity insurance, which can be invested from 0-72 years old. Both products are short-term rebate products, with a maximum payback of 15 years. However, the period of protection is from the 5th year, and the maturity benefit will be paid in a lump sum at the end of the period. How do you perform in receiving benefits?Let's take a 30-year-old man who pays 100,000 yuan a year as an example