A well-off life consists of a well-off and well-off life whole life insurance and a well-off and comfortable life whole life insurance (universal). As a financial insurance, I believe everyone would like to know its benefits.
If you want to see the income calculation, you can read this evaluation article first:
What is the product planning of well-off life insurance? Let's start with a paragraph! 》
Next, Senior Sister will show you the performance of this product scheme ~
1. How is the life insurance product plan performing?
You can look at the product details first:
1. Responsibility to protect
Combined with this detailed diagram, some friends must have come to the conclusion that in the life insurance product scheme, whether it is a rich life or a universal insurance, its guarantee responsibility can only be considered ordinary.
Whole life insurance, a well-off and prosperous society, is currently in charge of death/total disability insurance, and Anxin whole life insurance (universal) is currently in charge of death insurance. Compared with other high-quality whole life insurance products on the market, there is still room for growth.
Because some insurance contents in whole life insurance include death/disability insurance, accident exemption for the insured, and accident death/disability insurance for aviation or public transport, it can give the insured more solid protection.
2. Other rights and interests
In terms of rights and interests, Feng Ying Life provides policy pledge loan, automatic prepayment, reduction settlement and reduction of basic insurance amount. Yueanxin universal insurance covers continuous dividend, policy pledge loan and partial withdrawal.
There are several rights and interests that everyone knows very well. My senior sister will tell you about the continuous dividend and partial collection provided by Yueanxin Universal Insurance.
If the contract is still valid at 0: 00 on the fifth policy anniversary, the insurance company will pay a continuous dividend according to 1% of the sum of the premiums paid in the five policy years before the policy anniversary. From the sixth policy anniversary date, if the contract is still valid at 0: 00 on each policy anniversary date, a continuous dividend will be paid at 65438+ 0% of the total premium paid in a policy year before the policy anniversary date. Continuous dividends will be paid according to the increment of the policy account.
That is to say, during the period of contract insurance and the validity period, consumers can apply for part of the value of the policy account after the hesitation period, but at this time the insured must be alive. Moreover, the amount partially collected in each application and the value of the remaining policy account after partial collection shall not be lower than the minimum amount agreed by the insurance company.
In addition, in the same policy year, the sum of the accumulated amount of this contract shall not exceed 20% of the accumulated premium paid in this contract.
3. Insurance conditions
Life winners provide the insured with a rich age range, among which Feng Ying Life Insurance allows people born from 28 days to 75 years old to take out insurance, and Yueanxin Universal Insurance can be configured for people born from 28 days to 70 years old. This age setting is very user-friendly and can meet the insurance needs of most people.
In addition, in the payment period set by Feng Ying Life, the insurance company provides the following options: wholesale payment and 3/5/ 10/ 15/20 years payment, and the insured can make a choice according to the premium budget.
In most cases, if the income is high or there are people with high income but unstable for a period of time, it is suggested that you can choose to pay the premium in batches, not to mention that this insurance product plan does not include the protection of the insured's exemption and does not involve the issue of exemption.
However, if you are a friend with a relatively stable income or can't pay too much premium for a while, you can choose a suitable period to pay in installments to further ease the economic pressure.
Two. Matters needing attention in life insurance product planning
1. guaranteed interest rate
However, in this product plan, Yueanxin Universal Insurance has a guaranteed interest rate, but its guaranteed interest rate is 3%, which is better than other universal insurance products on the market. After all, the guaranteed interest rate of most universal insurance in the market is only 1.75% or 2.5%.
On the one hand, the income of universal insurance products depends on the guaranteed interest rate, on the other hand, it is also related to the collection of handling fees. However, it is these fees that often have an impact on income. Due to space limitations, friends who want to know more about universal insurance can read this article directly:
"Using universal insurance to manage money, the income is stable and safe? Universal insurance from the beginning! 》
2. expenses
If universal insurance is configured, we will deduct a certain percentage of the initial cost from each premium paid, and then add value to the personal account.
In Yue 'anxin Universal Insurance, every premium paid, added and transferred by the insured at present must be divided by the initial cost according to the ratio of 1%, and then the remaining premiums are included in the policy account.
In addition, insurance companies will regularly collect certain risk insurance premiums from the account value, which also affects the income of universal insurance to some extent.
So universal insurance is not necessarily the best means to maximize our wealth. It's best to have a basic understanding before insurance ~
3. Exemption clause
Frankly speaking, the exemption clause is a pre-statement made by the insurance company on the situation that the claim will not be settled. Some whole life insurance only offer three exemption clauses. In fact, the fewer exemption clauses, the better for our consumers. This is because, other things being equal, the fewer exemption clauses, the greater our chances of getting compensation.
However, in the life insurance product plan, Feng Ying Life Insurance has set up five exemption clauses, and Yueanxin Universal Insurance has seven exemption clauses, which are very large. Everyone needs to pay attention to this ~
To sum up, Senior Sister thinks that the product scheme of Yingjia Insurance for Well-off Life is not very good, so whether to apply for insurance should be based on the actual situation such as its own protection needs, and then make a decision according to the product performance. After all, there are many excellent whole life insurance products on the market, so it is actually more appropriate for us to shop around before insurance.
If a friend is not sure whether he is suitable for whole life insurance, take a look at what this article says:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
Write it at the end
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