What is commercial endowment insurance? Is commercial endowment insurance safe?

What is commercial endowment insurance ？ Is commercial endowment insurance safe ？

---

Take the answer 1：

Hello ,

1、 In terms of safety factor ：

Many financial insurance can be used as commercial endowment insurance , Provide for the aged , We should focus on 60 How much money will be returned every year after the age of , How much money can be withdrawn from the universal account .

Special endowment insurance 、 Increased life insurance , The interests are clear , It refers to the amount of pension returned every year after retirement 、 How much is the surrender , It's all visible , Therefore, there is no problem in terms of safety factor , The safety factor is very high , Don't question the reliability of commercial endowment insurance .

2、 In terms of product details ：

（1） Monthly collar function ： It depends on whether commercial endowment insurance is reliable , In fact, a very important indicator is the flexibility of receiving , If you have annual collar and monthly collar, the function is the best , Especially the monthly collection attribute , Monthly income is similar to social security pension , A sum of money will arrive every month , Better meet the needs of life every month .

Because after all “ Health products community ” There are also many groups , If the old man gets old , Too much money is easy to get lost . But annual collar also has the advantages of annual collar , Own more control , Look at personal needs .

（2） Ensure the receiving function ： It depends on whether the product is designed with guaranteed properties , With everyone's insurance to support more 2 Number 、 Xintai Ruyi enjoys the exclusive endowment insurance of the seven gold version , Both of these products have guaranteed receiving function , The former is a guarantee 20 The profit of , The latter is 25 The profit of .

If necessary, you can add my wechat , I will use the most professional knowledge to help you choose the right insurance , Don't step on a hole ！

---