So is this product really cost-effective? Is it worth insuring?
Today, Senior Sister will evaluate this product. Take a look at this product!
If you want to get the evaluation results quickly, click on the following concise article:
"Kang Junxin whole life insurance 2022 insurance coverage can be increased? You will know after reading it! 》
First, the letter whole life insurance guarantees that the content is open!
Sister Xue made a protection map for the product. Let's see:
As can be seen from the protection chart, Xin whole life insurance's table framework is very simple, and it also provides death/total disability protection. Although the guarantee is simple, this product has many bright spots:
1, with a wide insurance age range.
Whole life insurance's insurance age is generally set at 28 days after birth -80 years old, covering a wide range of ages, no matter how old, you can buy this product!
Especially friendly to middle-aged and elderly people. Most of whole life insurance's insurance age we know in the market is about 70. After comparison, the insurance threshold of Kangjun Heart-to-Heart whole life insurance is not high.
2. Various policy rights and interests.
Whole life insurance provides customers with a number of policy benefits: policy loans, automatic payment and reduced payment. During the warranty period, consumers can use these actual rights according to their actual conditions.
For example, if the policy contract has cash value, consumers can apply for a policy loan in writing. After the insurance company agrees, the maximum loan amount is 80% of the contract cash value, and the longest term is 6 months.
This can solve the financial problem of consumers well, and another is that the use of the policy loan right will not affect the effectiveness of the contract.
3. The payment period is diverse.
Jun Kang Xin Lian Xin whole life insurance has several payment years, covering wholesale payment, 3/5/ 10/ 15/20 years. The product is very flexible, and consumers can choose the payment period that is beneficial to them according to their own insurance budget!
How to choose the payment period according to personal circumstances? Let's see what the insurance experts say:
How to choose the payment period? Tell you in one article! 》
Second, how about believing in whole life insurance?
1, insurance cannot be added or subtracted.
Although it is believed that whole life insurance has established a wealth of policy interests, it is a pity that it does not cover the functions of insurance increase and decrease.
Adding insurance mainly refers to increasing the coverage of basic insurance. This sentence means that if consumers think that the amount of insurance chosen at the beginning is too small, they can choose to increase the amount of insurance for this purpose at this time, and then guarantee to increase it at will.
As for lowering the insurance, it means lowering the basic insurance coverage. Assuming that the amount of insurance chosen at the time of purchase is very high, what becomes a particularly heavy burden for consumers is the premium to be paid in each period. At this time, you can choose to reduce the insured amount and return part of the contract cash value. In order to increase the flexibility of products, the insurance deduction function can be used, and a part of the contract cash value can be obtained in each period.
It is a pity that whole life insurance doesn't provide the functions of insurance increase and insurance decrease, which needs to be improved especially.
2. The growth coefficient of insurance coverage is low.
Whole life insurance's insurance coverage growth coefficient is 3.5%, while the similar products of the first echelon can reach 3.9%, which is quite different.
After all, the growth rate of insurance coverage will increase with the increase of insurance coverage increase coefficient. If an insurance accident happens in the future, the beneficiary will get higher insurance premium and more adequate protection.
3. There are many exemption clauses.
There are many exemption clauses in whole life insurance, and the better exemption clauses in similar products are 4~5.
Simply put, the exemption clause is the content that is not guaranteed in the contract, and the less it is, the better it will be for consumers.
Third, the summary of the senior sister
Generally speaking, Lianxinxin whole life insurance has a low cost performance. Although this product still has many bright spots, it also has shortcomings in some aspects.
There are many excellent similar products on the market. If someone wants to insure whole life insurance, it is suggested to look at this list and shop around, so as to make a correct insurance decision:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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