What are the points worthy of attention in paragraph B of Ding Feng 1?
Senior, I'll take you to analyze Ding Feng 1 B and see if this product is so excellent.
Before that, for those who are not familiar with whole life insurance's increase, this article can help you understand this kind of insurance well: "Where is whole life insurance's increase? Is it worth starting with? 》
1. What are the advantages and disadvantages of section B of Dingcheng Ding Feng 1?
Before it's too late, just look at the product protection diagram of section B of Dingcheng Ding Feng 1:
As can be seen from the figure, section B of Dingcheng Ding Feng 1 is an incremental whole life insurance, and the insurance coverage is increasing every year, with an increase ratio of 3.6% in general, providing annuity conversion and policy loans. ..
What are the advantages and disadvantages of this product? Let's continue to dig deeper and look at the advantages first:
& gt& gt& gt provide annuity conversion.
Annuity conversion refers to the conversion of the insurance money obtained by the insured into annuity insurance with the consent of the insurer after the contract comes into effect.
Ding Cheng Ding Feng 1, Section B provides annuity conversion, which is still possible, enabling beneficiaries to handle account value and insured amount more flexibly, and providing more adequate and stable financial security for the elderly.
If you are in a hurry, you can also directly collect the evaluation results of Ding Feng 1 B defects: "What about Ding Feng 1 B whole life insurance? Is it worth starting with? 》
& gt& gt& gt does not provide insurance increase or decrease.
Adding insurance means increasing the insured amount, that is, increasing the protection on the basis of the original protection.
To put it simply, if the insured is short of money when applying for insurance, he can buy a premium of 20,000 yuan at most, and want to increase the insured amount when the funds are sufficient in the later period. The solution is to increase the insured amount.
After additional insurance, that is to say, the total premium has also increased. In that case, the corresponding effective insurance amount and cash value have also increased, and the income of the insured has also increased.
Reducing insurance is to reduce the insured amount, or it can be called partial surrender.
To explain, if the insured is not particularly rich, but is unwilling to lose this protection, then the amount of protection can be reduced by reducing insurance.
Accordingly, on the one hand, it can reduce the economic burden, on the other hand, it can continue to have certain insurance protection.
In other words, if an insurance provides increased or decreased liability, it is very considerate for consumers! It allows the insured to flexibly adjust the insurance status with their own actual situation as the center, and the protection they can get in a very efficient economic range will be relatively better. However, in the business of providing additional risks or reducing risks, we can't see the figure of paragraph B of Dingcheng Ding Feng 1. From this perspective, it does not meet the requirements of humanization.
We should know that many high-quality products of the same type in the market will provide the responsibility of increasing or decreasing the insurance coverage. For example, whole life insurance, which has increased the protection of Yiduo, has designed this right.
Second, is section B of Dingcheng Ding Feng 1 worth starting with?
After reading the above contents, there are some bright spots in paragraph B of Dingcheng Ding Feng 1, but there are also some problems. Friends who want to start suggest thinking twice!
I'm not interested in this increased whole life insurance, but I'm ready to compare several excellent wealth management products, so I can reconsider.
So what are the financial insurance with higher returns on the market? The list has long been sorted out, and friends in need can get it: "Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
Write it at the end
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