Of course, the more comprehensive the evaluation, the better. Limited to space, seniors wrote the analysis from other angles below:
It is said that Beijing Life Jingfu heirloom (win-win version) has many surprises in whole life insurance. Is it true?/You don't say. 》
1. How about whole life insurance (win-win version), a family heirloom of Beijing Life? OK or not?
As usual, Senior Sister will first show you the product form diagram of whole life insurance of Jingfu Chuanjia (win-win version):
1, analysis of insurance rules
Whole life insurance's insurance rules are very loose. Then I will analyze them one by one.
First of all, Jingfu Chuanjia (win-win version) whole life insurance allows people born between 28 days and 75 years old to take out insurance, which covers a wide range. Now people in their 70s and newborn babies can match this product.
In addition, Jingfu's (win-win version) heirloom life insurance can be said to be a life insurance, and you can only choose the guarantee period of "guarantee for life".
This symbolizes that the protection of this product will accompany the whole life from the time when the insured is equipped.
As for the payment period, whole life insurance of Jingfu Chuanjia (win-win version) has set six options, namely wholesale payment and 3/5/ 10/ 15/20-year payment.
Finally, whole life insurance of Jingfu Legend (win-win version) only provided three exemption clauses, which are rare, but to a certain extent, the probability of the beneficiary getting compensation is also very high.
2. Analysis of guarantee responsibility
However, in terms of the content of protection, whole life insurance of Jingfu heirloom (win-win version) only holds the protection of death, which is particularly simple; But in addition, this product also includes real cash value rights such as policy loans and insurance deductions.
Among them, the death protection of Jingfu Chuanjia (win-win version) of the whole life insurance follows the way of dividing the compensation according to whether the insured is 1 or 2, which specifically involves the premium paid, the corresponding compensation ratio, the effective insurance amount and so on.
If you need to apply for a claim, you still have to look carefully.
Here, Senior Sister mainly talks about the situation that whole life insurance, a Jingfu heirloom (win-win version), supports the establishment of double insured.
Assuming that the insured in whole life insurance of Jingfu Chuanjia (win-win version) requires one person, it can be said that the insurance period is from the effective date of the contract to the death of the insured.
When the number of the insured in whole life insurance of Jingfu Chuanjia (Win-Win Edition) is defined as two, then the insurance period is from the time when the contract comes into effect to the time when the last insured dies, which can effectively extend the growth cycle of the insurance amount and cash value, thus having more room for appreciation.
Another is that if it is within the scope stipulated by the insurance company, the applicant can also apply to the insurance company to reduce one insured according to his personal situation, which is particularly flexible.
For example, when Mr. Wang bought this product, he chose himself and his children as the insured according to his personal situation; And after a period of insurance, apply to the insurance company to let the child be a single insured, and change the "insured" into a child, which is equivalent to directly passing this wealth to the child.
In addition, whole life insurance's Jingfu heirloom (win-win version) should also be seriously considered.
As shown in the whole life insurance Clause of Jingfu Chuanjia (Win-Win Edition), the increase coefficient of the insured amount provided by this product is 3.5%, which can be regarded as reaching the market average level.
If you want to shop around, you may wish to know about whole life insurance after Hongkang Happiness Forever 2.0, and the increase coefficient of insurance coverage is also 3.5%:
"Hongkang Life Insurance 2.0 increased the happiness after whole life insurance. Come and have a look! 》
Second, Beijing Life Jingfu heirloom (win-win version) Is whole life insurance worth starting with?
Generally speaking, the insurance rules of Jingfu Chuanjia (Win-Win Edition) are very thoughtful, supporting the establishment of double insured, and the increasing level of protection is also very satisfactory. It is an excellent product.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister sorted out a lot of value for money, to ensure a solid whole life insurance. You can choose the best one here:
"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;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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