Today, let's get familiar with how this whole life insurance is and whether it is worthy of our configuration.
Before starting the text, you can also read this article to learn about the growth of whole life insurance:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
1. Analysis of the security situation of whole life insurance with peace and prosperity.
Let's take a look at the product evaluation chart:
1. The basic guarantee content is very simple.
At present, the basic protection content of Taifu Manying whole life insurance is death/total disability protection, and the setting of this protection responsibility is relatively simple.
There are some additional whole life insurance products in the market, including not only death/total disability protection, but also death/total disability protection of the insured and accidental death/total disability protection of aviation/passenger transport, which can provide very comprehensive protection.
2. The effective insured amount is increasing year by year.
As we know, the annual effective insurance coverage in whole life insurance generally increases year by year in the form of compound interest according to a certain growth ratio, and so does whole life insurance, where Taifu is full of profits.
Taifu Manying whole life insurance provided a growth rate of 3.5%, which is a relatively common growth rate.
The effective insurance amount is calculated based on the basic insurance amount agreed in the contract. Since the insurance contract came into effect, it has gradually increased at the rate of 3.5% in each policy year.
In other words, the effective insurance amount of Taifu Manying whole life insurance in a specific year is the effective insurance amount of the previous policy year *( 1+3.5%).
3. Various options of payment term
In terms of payment years, Taifu Manying whole life insurance can provide consumers with different choices, including 3/5/ 10 years.
This setting is more in line with the actual situation ~ if the money is not enough, you can choose a longer payment period.
Because if we extend the payment period, the premium we pay each time will be cheaper, which can effectively alleviate our temporary economic pressure.
The above is the security situation of Taifu Manying whole life insurance. If you want to know more, you can read this article:
"Look before you buy! And can whole life insurance, where Taifu is full of profits, be easily insured? 》
2. The income of whole life insurance where Taifu is full of profits and suitable investors.
1. Income situation
There is no difference with annuity insurance. We should also understand how to increase whole life insurance's internal rate of return. At present, IRR is its internal rate of return and also belongs to the real interest rate. Whole life insurance IRR, a good increase in the market today, is generally around 3.5%.
Take a 30-year-old woman as an example, and use the method of premium estimation to focus on calculating the income of whole life insurance who enjoys happiness with Taixin.
If the payment period chosen by this lady is 10 year, the annual premium is 12000 yuan, and the basic insurance amount of the policy is 103848 yuan.
Subsequent to the end of the 75th policy year (when the woman is 105 years old), the agreed effective insurance amount is1324,293 yuan. At this time, the effective insurance amount is deducted from the paid premium120,000 yuan, and the difference exceeds1200,000 yuan.
That is to say, if the woman dies on the first policy anniversary after reaching the age of 105, the designated beneficiary can get at least 1324293 yuan of death insurance, and the income situation is still very satisfactory.
2. Suitable for people
After studying here, are some friends already interested? But don't act in a hurry, because even the best insurance products are not suitable for everyone to buy.
Take whole life insurance as an example. Generally, we suggest that high-net-worth people who have spare money to manage their finances start with it. If it is our ordinary working class and the mainstay of the family economy, the senior should tell everyone to consider the term life insurance around them.
Term life insurance has a particularly high leverage, and you can also buy a higher amount of insurance with a lower premium. The compensation obtained can alleviate the financial pressure of the insured family to a certain extent, and can also be used to settle the debts of the insured before his death, which will not make the family economy worse.
But on the other hand, senior hopes that everyone will buy their own insurance (such as critical illness insurance, millions of medical insurance and accident insurance) before considering financial insurance/financial insurance. Add your own protection first, so that you can have stronger strength to resist the economic risks that diseases and accidents need to face ~
On the whole, we can clearly find that the security contents of whole life insurance and Taifu Manying are relatively general, with no special features, but the income is still good. However, Senior Sister still advises friends to shop around and choose insurance that is more comprehensive, more suitable for them and has high returns.
Want to know what other high-yield increases are available in the market, whole life insurance? Look at this article and you will understand:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
Write it at the end
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