Before this, I hope that friends who don't know much about the two risks can click on this article to find out:
Two risks you don't know!
The advantage of Pacific Worry-Free Celebration Edition is that it has more returns than other products, but the disadvantage is that the guarantee is disappointing, even worse than the previous generation products. Senior sister thinks that the Pacific Worry-Free Celebration Edition is not very reliable and not very friendly to customers.
Without further ado, let's directly look at this form diagram, which is about two all-insurance products of Pacific Worry-Free Celebration Edition:
Pacific Worry-Free Celebration Edition endowment assurance not only provides life and death insurance, the main insurance that can be returned at maturity, but also provides additional malignant tumor-severe cancer prevention insurance. Then, let's take a concrete look at what is good about this kind of portfolio insurance, isn't it1+1> The efficacy of 2?
& gt& gt& gt Pacific Love Worry-Free Celebration Edition is a double-risk insurance without cancer return and cancer protection. If the insurer fails to make cancer claims before the insurance period expires, it can get 1 10% of the basic insurance amount.
Not only that, but also malignant tumor-severe tendency, which can be supplemented. Simply put, it is an "anti-cancer insurance". If the cancer meets the claim standard within the guarantee period, the insured can get the corresponding claim amount for treatment.
& gt& gt& gt endowment assurance premium of Pacific Worry-Free Celebration Edition is higher than the due premium. The endowment assurance premium of Pacific Worry-Free Celebration Edition can have a basic guarantee of 1 10%, which can be said to have won many similar endowment assurance premiums! As we all know, it is the practice of most endowment assurance to return the paid premiums at maturity, and some of them are better, just like Tongfang Global Hongliying C Insurance, which can only return 100% of the basic insured amount.
Friends who want to inquire about Tongfang Global Hongliying Type C Total Insurance can analyze this article:
202 1 Tongfang Global "Hongliying C" is cost-effective?
The basic insurance amount 1. 1 can be returned upon expiration. In this way, the Worry-Free Celebration Edition of the Pacific is really possible, but does it really have the effect of 1+ 1 > 2?
Senior sister found some defects in the Pacific Worry-Free Celebration Edition, only after reading the terms:
& gt& gt& gt endowment assurance's cancer protection is weak. Let's look directly at the terms:
Endowment assurance, the edition of the Pacific Worry-Free Celebration, seems to be able to attach a simple "cancer prevention insurance", but it only provides protection for malignant tumors-serious diseases. Therefore, through this additional responsibility, the severe stage of cancer can be found, but the moderate and mild stages of cancer cannot be guaranteed. Is the protection of this cancer incomplete?
After consulting the data, senior sister found that additional cancer protection can also be provided in a Pacific worry-free collector's edition, which was released before Pacific Life. Among the guarantees specially provided for cancer patients, it is found that there are malignant tumor guarantees and cancer in situ guarantees! In other words, if the disease is found in the early stage of cancer and the treatment time can be earlier, then the possibility of recovery will be great!
From this point of view, the anti-cancer protection of the previous generation's collector's edition is indeed better than the New Pacific Worry-Free Celebration Edition, which indirectly shows that the new one is not as good as the previous generation.
Generally speaking, the Pacific Worry-Free Celebration Edition focuses on two risks, which can be supplemented by special disease protection based on malignant tumor-severity, and the protection is still relatively general. Of course, if you pay more attention to returning insurance and friends in cancer protection, you can consider taking a look at this product.
If you are a friend who pays attention to cancer protection and wants to transfer cancer risk by buying insurance, you can consider cancer insurance.
If you want to know more about cancer insurance, you can read this article:
A comprehensive understanding of cancer prevention insurance, and its comparative evaluation and analysis.
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