Reference case:
Pacific Insurance Company whole life insurance's Jintai Life Insurance whole life insurance+Additional Critical Illness Insurance+Additional Jintai Life Insurance Major Illness Insurance+Accident Insurance Comprehensive Protection Plan 368.
The insured amount of a 20-year-old lady is 6,543,800+yuan, and the annual premium is 3,336 yuan.
Major insurance liability
1, the basic insurance coverage for death or total disability is 65,438+10,000 yuan, and with the cumulative increase of dividends, it reaches 70 years old, reaching the coverage of 312,482 yuan;
2. In case of death or total disability due to non-accident within 0/80 days of insurance, the security fund shall be paid at 125% of the paid insurance premium;
3./After 0/80 days, 35 major diseases agreed in the contract will pay 654.38+million, and the liability for serious diseases will be terminated, and the contract will continue to be valid;
4. The annual dividend generated by the policy is used to increase the insured amount and enjoy the final dividend, policy pledge loan and annuity equity conversion; With a moderate expected dividend, the pension at the age of 70 can be converted into 195439.
5. The insured amount for accidental injury, death or disability is 250,000; The coverage for burns and scalds is 80,000; Accidental injury medical expenses compensation medical insurance amount of 8000 yuan; The hospitalization subsidy is RMB 100 per day, and the cumulative subsidy is 62.5 days.
The plan includes not only critical illness insurance, but also term life insurance, whole life insurance with increasing insurance coverage, annual dividend and final dividend. It can be used as supplementary endowment insurance and comprehensive accident insurance to fully protect all aspects of personal risks.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.