Today, senior sister will take a look at the future insurance plan 2022 of Hezhongxin with everyone to see if it is really so excellent. Click the link below to learn the true face of the future insurance plan 2022 of Hezhongxin:
Is hezhongxin future insurance plan 2022 worth buying? Can I get the principal back? 》
1. how about hezhongxin future insurance plan 2022? Worth buying?
Don't beat around the bush, let's analyze the protection content of Hezhongxin Future Insurance Plan 2022:
Hezhongxin Future Insurance Plan 2022 consists of Hezhongxin Future Annuity Insurance+Hezhongxin Premium Account Pension Annuity Insurance (Universal) * * *. Because it has a lot of insurance content, so let me explain its insurance rules and insurance content to my friends.
1, insurance rules
From 28 days to 65 years old, it belongs to the insurance age range of Hezhongxin Future Insurance Plan 2022, which is considered as a popular level and is no different from most similar products.
Hezhongxin Future Insurance Plan 2022 guarantee 105, 10 year payment.
There are few options for this payment period, because most similar products can be paid in batches, 3 years, 5 years and 20 years. After comparison, the future insurance plan 2022 of Hezhongxin is not flexible enough.
From the insurance details alone, the highlights of the future insurance plan 2022 of Hezhongxin are not prominent enough. If this insurance rule is not enough, you can choose the following pension insurance with looser insurance rules:
"The top ten cost-effective commercial endowment insurance with extremely low insurance threshold! 》
2. Guarantee content
After learning about the guarantee content of Hezhongxin Future Insurance Plan 2022, Senior Sister found that the guarantee content was not bad.
If you haven't died within the protection period, the annual premium you can receive will reach 100% from the fifth policy year to the ninth policy year.
When you reach the policy year of 10 and reach the age of 105, you can get the basic insurance amount. After the expiration of the policy, you can also receive the remaining personal account value in the universal account.
2. Can Hezhongxin Future Insurance Plan 2022 get the principal back?
At this point, some friends may have to consult. Can Hezhongxin Future Insurance Plan 2022 be refunded?
The answer is yes.
The first case:
If it is not within the guarantee period, Hezhongxin Future Insurance Plan 2022 will pay the cash value or the paid premium minus the paid survival insurance, and choose the maximum of the two to make a claim. In addition, Union Credit Future Insurance Plan 2022 will also pay the personal account value in the universal account.
Obviously, at least you can get back the premium you paid.
The second case:
The insured has been living during the guarantee period, so the 32-year-old male Lao Wang is used as a template to analyze the future insurance plan of Hezhongxin, and the annual premium is 65,438+10,000 yuan. In the year of 654.38+00, the total premium to be paid was 6.5438+00,000 yuan, and the insured amount was 654.38+08.900 yuan.
When Lao Wang was 37-4 1 year old, the accumulated amount of insurance money was 500,000. From the age of 42, I will receive 18900 yuan every year, and the maximum age is 105. The accumulated cash value I can receive is 1 190700, which adds up to 1690700, so it also exceeds the premium paid!
However, there is one thing you should understand. The income of the future insurance plan of Hezhongxin is not considerable. The income you get now is about 0.7 times of the premium paid by 65438+. You know, in such a long time, many financial insurance can now be transferred to two or three times the original cash value!
Therefore, the future insurance plan of Hezhongxin does not meet the standards of most people!
On the whole, Hezhongxin Future Insurance Plan 2022 is not worth buying because of its average income, low cost performance and insufficient protection.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister has sorted out a lot of value for money to ensure thick wealth management products. You can choose the best one here:
Top ten wealth management products worth buying in 2023! 》
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.
WeChat official account: top student said that the insurance cost is low, so buy the right insurance!