It is said that this increase in whole life insurance can be paid off quickly, and it only takes two years. Is it really that bad?
Senior sister will give you a detailed evaluation! Interested friends continue to watch ~
Before we begin, let's review the most basic knowledge: "What is the whole life insurance that can manage money and ensure increase? 》
1. What are the advantages and disadvantages of Kang Jun's jinsheng Jinshi?
As usual, let's take a look at the product protection map first:
Senior sister won't be the suspense, just get to the point!
& gt& gt advantage:
1, flexible payment period and low threshold for initial investment.
For the payment period of Jinsheng Jinshi, there are two options: wholesale payment and annual payment.
In this way, the insured should flexibly choose the payment period according to their own economic situation.
If you don't know how to choose a plan that suits you. This article can help you: "how to choose the payment period so as not to lose money?" 》
Moreover, the minimum annual investment is 1000 yuan, and the threshold for initial investment is very low.
For those young people who have just entered the society and have no experience, including those with insufficient economic budget, Jinsheng Jinsheng Insurance is also suitable for investment. In the case of increased liquidity in the later period, the right to change the amount of insurance is a way you can increase the amount of insurance, which is very considerate!
2. The compensation coefficient is set reasonably.
The compensation ratio for the death of Jinsheng Jinshi whole life insurance is 18-6 1 year 160%, 6 1 year 120%.
How can you think this configuration is practical?
Senior, let me explain the unreasonable reasons to you now: 18-40 years old, 160%, 4 1-6 1 year old, 140%, 6 1 year old and above,/.
4 1-60 years old is often the stage with the heaviest family economic responsibility. If the proportion of compensation is reduced at this time, it means that the security is reduced, and finally everyone's compensation amount can't support family expenses.
If you encounter whole life insurance whose compensation ratio is similar to that mentioned above, you should pay more attention.
Under the condition of comparison, especially in this respect, Jinsheng Jinshi has done better than most, and the compensation ratio of age 18-6 1 is very high, which should be praised!
& gt& gt Disadvantages:
1, lack of total disability protection
At present, many increased whole life insurance also includes the protection of death/total disability, and even better, it comes with the protection of aviation accident death.
However, for Jinsheng Jinshi, even the most fundamental total disability protection is in short supply!
If the insured insured insured this product of Jinsheng Jinshi, but unfortunately caused its total disability, as long as it did not meet the death compensation standard, it would not pay.
I have to say that this scope of protection is too narrow, and it is really not in place.
2. The growth coefficient of insurance coverage is low.
The increase of insurance coverage in whole life insurance is compounded year by year according to the growth coefficient, and the growth coefficient of insurance coverage of Jinshengshi is 3.5%.
At present, the premiums of many life insurances have increased by 3.8%.
It is assumed that the higher the incremental coefficient, the better the subsequent income.
In contrast, Kim is not generous enough!
If you want to know more about this product, you can read this article: "Jinsheng Jinshi increases whole life insurance's capital in the second year? Don't be silly! 》
Second, what is the lifetime income of Kang Jun Jinsheng Jinshi?
Before calculating the income, let's briefly understand the "cash value of the policy".
The cash value of the policy can also be understood as the amount we get when we surrender the insurance. The increase in whole life insurance's income is related to the cash value of the policy.
Next, what is the income of Jinsheng Jinshi? Senior, do the math for you:
At the age of 30, Lao Wang insured a whole life insurance with an annual increase of 65,438+10,000 yuan for five years, and guaranteed it for life.
It is found from the picture that Lao Wang paid a premium of 500,000 yuan in five years, which means that when he was 36 years old, the cash value of the policy had reached 536,000 yuan, and he had already paid back the money.
Compared with other incremental whole life insurance whose recovery speed is 5 or 6 years, Jinsheng Jinshi can recover its funds in a relatively short time.
When Lao Wang is 60 years old, 12 18000 yuan is the cash value of his current policy. After choosing to surrender, this fund can be used for the follow-up pension life, even if you want to travel and play!
If you don't surrender, when Lao Wang is 70 years old, the cash value of the policy will increase to 1, 765438+3000 yuan, with a value of 3.4 times, and the income is already high.
If I still increase the insurance coverage and choose not to surrender, Lao Wang will die at the age of 80, and his family will receive 2.399 million death benefits.
According to the picture information, when Lao Wang was over 60 years old, the whole life insurance internal rate of return (IRR) of Jinsheng Jinshi was acceptable, fluctuating around 3.3%.
Third, the summary of the senior sister
Generally speaking, the payment period of Jinsheng Jinshi whole life insurance is very flexible and the insurance threshold is low; However, the coverage is not wide enough, and the increasing coefficient of insurance coverage is a bit low.
But in general, it is also a relatively optimistic income, which looks relatively stable. Whether to insure or not is a matter of opinion.
In a word, what suits you is the best! There are really countless excellent whole life insurance in the market, and there is still plenty of time to pay more attention to other products before making an insurance decision.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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