So, is whole life insurance really as good as rumors say? The following senior gives you a detailed evaluation.
Before the evaluation, if you don't know what incremental whole life insurance is, you can click the following link to find out:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
First, the guarantee content of Beijing Fuji exclusive edition whole life insurance!
As before, let's take a look at the product protection diagram:
As can be seen from the analysis of the above figure, the whole life insurance protection content of the exclusive edition of Jingfushi is relatively simple. However, in order to let everyone know more about this product, Xuejie still analyzes it from two angles: insurance conditions and guarantee responsibilities.
1, analysis of insurance conditions
The age range of the exclusive version of whole life insurance is from 28 days (inclusive) to 75 years (inclusive) after birth, which can meet the insurance needs of many people. Moreover, the highest insurance age for most whole life insurance products on the market is basically 65 years old. By comparison, we know that the exclusive version of whole life insurance in Beijing and Francis Blackwell Forbes is very friendly to people aged 66-75.
In addition, this product covers many payment years, and the insured can choose not only wholesale payment, but also 3/5/ 10/ 15/20 years payment. In this way, the insured can choose the payment period that suits them according to their own needs.
2. Security content analysis
Compared with most of the increased whole life insurance in the market, the coverage of Jingfushi Exclusive Edition whole life insurance is not very rich, and it only provides death/high disability insurance.
In the event that the insured dies or suffers from a high degree of disability and meets the terms and conditions, the insurance company will pay death/high degree of disability insurance benefits to the policy beneficiaries according to different schemes according to the time of the insured's death or high degree of disability.
There is whole life insurance in the natural market, which not only allows the insured to enjoy death/high disability insurance, but also provides extra protection for death/total disability caused by various accidental injuries (such as sea/land/air traffic accidents).
About the basic situation of Beijing-Francis Blackwell Forbes version of whole life insurance, Senior Sister will introduce you here first. If you want to know more about this product, you can read the following article:
Analysis | Is the exclusive edition of Beijing Francis Blackwell Forbes worth buying in whole life insurance? 》
2. Is whole life insurance worth insuring?
As an incremental whole life insurance, we should not only study the guarantee content of Jingfu Tianxia Exclusive Edition whole life insurance, but also analyze its profitability.
At present, the insured amount of this product is increasing by 3.5%, and the insured amount will continue to increase with the passage of time, and the cash value will gradually increase. According to this process, the insured can not only get more and more adequate protection, but also exercise the rights and interests of insurance reduction (if any) or directly surrender the insurance when the cash value reaches a certain height, so as to obtain the corresponding cash value, thus achieving the purpose of obtaining income.
The increasing proportion of insurance coverage can be said to be a very key indicator of the increase of life insurance. After all, when the basic insurance amount is determined, it also means that the higher the increasing proportion of insurance amount, the more obvious the growth rate of insurance amount. And the 3.5% increase in insurance coverage is not the best level in the market!
In a word, Francis Blackwell Forbes enjoys the version of whole life insurance, which is an increase whole life insurance in line with the rules. Even if the insurance conditions of this product are relatively loose, the coverage content has no characteristics, and the increasing proportion of insurance coverage is not too high. Therefore, Senior Sister suggested that before starting with this product, it is best to compare and analyze other whole life insurance products.
Sister Xue also prepared a high-quality list of whole life insurance for everyone. If you need it, you can click on the link below to get it for free:
"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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