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Commercial endowment insurance is generally divided into annuity insurance, incremental whole life insurance, investment-linked insurance, incremental all risks and dividend insurance. These types of insurance have their own characteristics and are suitable for different people. However, the most common and suitable ones are annuities and incremental whole life insurance.
1, annuity insurance
As long as the insured is still alive, the insurance company will return the annuity to the insured in the amount, manner and time agreed in the contract, usually once a year, so it is called annuity insurance.
This is also a commercial endowment insurance suitable for most of us. Invest in the early stage and receive a stable pension in the later stage. The longer you live, the more you get paid. Take precautions when you are young, and you can have a stable happiness when you are old.
2. Add whole life insurance
Increased whole life insurance is another type of insurance suitable for commercial endowment insurance. It guarantees death and complete disability, and guarantees life. The amount of insurance is increasing. The longer you live, the richer you will be. At the same time, it is very flexible and can be withdrawn at any time.
To put it simply, whole life insurance is a financial instrument that can lock in future earnings, which is very safe and stable, and there is no need to worry about the decline of earnings due to changes in the future market environment.
I also want to remind you that before buying commercial endowment insurance, you must first configure basic protection for yourself and your family.
Otherwise, a serious illness can turn the prepared pension money into medical expenses.