Take this opportunity, Senior Sister, to show you about whole life insurance and see if this product is worth starting with!
First, people choose whole life insurance for a long time, and the content is open!
First, let's take a look at the product protection diagram:
1. Insurance rules
People choose whole life insurance for a long time to let people born between 28 days and 70 years old buy it. Compared with whole life insurance, where the maximum insurance age is 80, the insurance age range in whole life insurance is relatively limited.
In addition, for a long time, people preferred to include lifetime guarantee in whole life insurance, and the hesitation period was 15 days.
As for the payment period, whole life insurance has set up various options, including wholesale payment, 3-year payment, 5-year payment, 10 payment and 20-year payment, which are suitable for people with different insurance needs.
It should be noted that whole life insurance, which everyone has chosen for a long time, has also provided an increasing proportion of effective protection. In short, whole life insurance can be said to be an increased whole life insurance.
We should know that other things being equal, the bigger the increase, the better for our consumers.
Combined with the security map, it can be concluded that the effective insurance coverage in whole life insurance has been increased to 3.5%, which is a very good level in the market, and this effective insurance coverage increase ratio is relatively advantageous.
For more information about whole life insurance, this article has a more detailed introduction:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
2. Guarantee content
Everyone has long chosen the content of whole life insurance's protection, which is quite satisfactory, and only covers one item, which is called death insurance.
In addition, whole life insurance was chosen by everyone for a long time, and the payment of death insurance benefits was divided into different situations. In case of inconsistency, the calculation of death insurance benefits will be different.
However, compared with some increased whole life insurance in the market, the guarantee for people to choose whole life insurance for a long time is really not strong.
As far as my senior sister knows, many whole life insurance in the market will provide both death and total disability protection, and what's more, they will also provide intimate protection such as traffic accident death or total disability protection.
Whole life insurance, which everyone has chosen for a long time, not only does not cover some extra intimate protection, but also does not cover total disability protection.
Thus, compared with other excellent products of the same type on the market, whole life insurance, which has been the first choice for a long time, is really not so rich in guarantee and can be improved.
Due to space reasons, senior sister won't introduce it in detail here. If you want to know whole life insurance for a long time, don't miss this article:
What is the guarantee for people to choose whole life insurance for a long time? Do you recommend buying? 》
2. Is whole life insurance suitable for insurance?
On the whole, the long-term preference of whole life insurance's performance can only be said to be average, and the guarantee content is relatively simple.
If you want to increase the insurance coverage in whole life insurance, Senior Sister suggested that you can look at other whole life insurance in the market, shop around and choose the best one.
Don't miss this excellent list of whole life insurance products:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
In addition, senior students should remind everyone that whole life insurance, like whole life insurance, which everyone has chosen for a long time, often cannot guarantee the health of the insured! If the insured unfortunately suffers from related diseases during the insurance period, if people choose whole life insurance for a long time, they often don't need to pay the corresponding insurance premium. Therefore, senior sister suggested that friends who have not been insured should protect themselves first and then manage their finances. On the basis of adequate insurance for yourself, it is more appropriate to insure insurance products with financial management and savings functions, such as whole life insurance.
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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