The following sister will give you an in-depth evaluation! The following article can help you get familiar with insurance knowledge in advance. Friends who don't know, come and see:
"Super complete! Everything you want to know about insurance is here.
1. What about whole life insurance's extravagant love? Is it worth buying?
Senior also not nonsense, directly above:
After reading the product drawing, Senior Sister took everyone to make a more in-depth analysis.
Advantages of luxury and little love life:
1. The payment term is flexible.
There are five ways to pay for the life of extravagant little love. In fact, these payment methods are not a matter of choice for all budget people.
If a friend considers investing 600,000 yuan, and the budget is large, he can make a one-time payment. If the budget is not much, you can choose to pay 30 years, as long as you pay 20 thousand a year.
30 years of payment, premium sharing, payment pressure will not be great.
2. The starting point is very low
The minimum subsistence allowance of whole life insurance in Xiao Ai should reach100000 yuan. If online insurance is used, the maximum insured amount is 3 million yuan.
It can be used not only as a means of financial management or asset inheritance, but also as a way of wealth inheritance. The law will also protect this right, and the protection for future generations is quite sufficient.
3. Flexible designation of 9 policy beneficiaries
There are 9 people who can be designated as policy beneficiaries of Xiao Ai whole life insurance. This can directly avoid the property disputes after the death of the insured, which is very friendly to families with many children.
The disadvantages of luxury and small love life;
1. Payment cannot be superimposed.
If the life insurance amount of Luxury Xiaoai is up to 3 million yuan, but if COVID-19 causes her death or total disability, she can only get 654.38+10,000 yuan of COVID-19 Caring Fund.
To be exact, 3 million yuan and 6.5438+million yuan can only be paid by one, and the two insured amounts cannot be paid at the same time.
On the one hand, seniors feel that luxury and small love are not so good for life.
At this point, many friends don't understand how to distinguish whole life insurance from other kinds of health insurance. Don't panic, senior will answer some difficult questions for you right away:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
Luxury life insurance has always been very popular in the insurance market. Of course, there are also questions from everyone. What do you like about luxury life? If you want to know, please read this article ~
2. Is the luxury life trustworthy?
1. Company background
Luxury life insurance company limited, referred to as luxury insurance or luxury life insurance.
Established in February 20 17, huagui life insurance co., ltd is the first local insurance legal person institution in Guizhou province. The company was established by China Kweichow Moutai Distillery (Group) Co., Ltd., Kang Hua Financial Holding Group, Guizhou Gui 'an Jintou, Guizhou Guimin Group and other 1 1 units.
Since its establishment four years ago, the accumulated premium income has exceeded 3 billion yuan, mainly from term life insurance and whole life insurance. In 20 19, China Luxury Life did a good job in the Internet life insurance business, occupying a large market share, accounting for more than half. |
2. Solvency
When the core solvency ratio is >: 50% and the comprehensive solvency adequacy ratio is >; 100%, even if the solvency is up to standard.
According to the solvency report of China Luxury Life Insurance Co., Ltd. in the third quarter of 2022, the comprehensive solvency adequacy ratio of China Luxury Life Insurance is 106.48%, and the core solvency adequacy ratio is 124.06%. The results of the last two comprehensive risk ratings are both B, far exceeding the regulatory requirements of the China Insurance Regulatory Commission.
These indicators of luxury life have reached the standards of the China Banking Regulatory Commission, and their solvency is excellent. Don't worry!
What is the expression of luxury life? Can I buy it? Will it go bankrupt immediately? Everyone is completely at ease.
What shall we do if it goes bankrupt? Don't panic, after reading this article, you will know:
The insurance company went bankrupt. What about the insurance? 》
Third, senior sister suggested.
On the whole, luxury love whole life insurance is quite cost-effective. Including total disability protection, the protection content is more comprehensive. In addition, the payment methods are diverse and flexible, and the threshold for initial investment is relatively low. You can also flexibly designate 9 policy beneficiaries. So if it meets everyone's safety needs, it is still worth buying.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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