The following sister will give you an in-depth evaluation!
Some friends may not know much about double insurance. This article can help you understand this insurance policy:
"The salesman won't tell you about these two insurances! 》
1. Detailed analysis of Huixuan Life Insurance product plan guarantee.
Friends can take a look at this product detail map first:
1. Optional flexibility is high.
Everyone is relatively free to choose the life insurance product scheme, which is mainly reflected in the fact that there are three kinds of main insurance for consumers to choose one according to their actual needs, and two kinds of total insurance in the main insurance also have multiple choices in terms of protection period and payment period.
Among them, at present, the protection period of the two kinds of all-insurance can choose to cover the policy year of the insured at the age of 40/45/50/55/60/65/70/75/80, and there are many options, which can give consumers full choices.
The payment period can be 5/9/ 15/ 19/29. You can choose the appropriate payment period according to your insurance needs, premium budget and other actual conditions.
Senior sister should say more, friends who are not very rich can consider choosing a relatively long payment period. Because once the payment period is extended, we will pay less premiums each time, which can effectively alleviate the temporary economic pressure.
2. As far as whole life insurance's safeguards are concerned,
It can be clearly understood from the product detail map that the setting of "death insurance+expiration insurance" for two kinds of all risks needs to be paid attention to in the protection content.
With regard to whole life insurance products on the market, there are many good products, including death insurance, total disability insurance, public transport or aviation accident death/total disability insurance and other protection responsibilities.
Total disability insurance is relatively easy to understand. Imagine that when the insured encounters misfortune and reaches a state of complete disability, he does not die, and even at this time, he may need a compensation to make up for the family's economic losses. Then, if there is total disability insurance, it will be more flexible for the insured and his family.
Generally speaking, however, insurance companies will pay compensation to the designated beneficiaries according to a certain proportion after paying the insurance benefits for accidental death/disability in public transportation and aviation, so that the insured can enjoy more solid protection.
The protection of life insurance product plan ends here. The product itself has advantages and disadvantages, so it must be judged from its own insurance demand. If you want to know more about this insurance plan, you might as well go to this evaluation article:
How about "Everyone Choose Life Insurance Product Plan"? An analysis! 》
2. Matters needing attention in product planning of whole life insurance.
1. In terms of exemption clauses,
As far as the main insurance products in whole life insurance product plan are concerned, there are seven exemption clauses for each of the three main insurances, and both endowment assurance and whole life insurance should pay attention to the number of these exemption clauses.
Many insurance companies and whole life insurance only set 3-5 exemption clauses. Other things being equal, such products are more reasonable for consumers.
In addition, if insured, it depends not only on the number of exemption clauses, but also on the content of exemption clauses. The reason is that the exemption clause States that the insurance company does not pay claims. If you don't pay attention to the content of the exemption clause in the early stage, it will be more difficult to have disputes in the follow-up claims ~
2. Universal insurance choice.
On the other hand, it is easy for everyone to know that Fuman Lifelong/Fuman Yingjia whole life insurance is a universal product, in other words, these two main insurances are universal.
Universal insurance is actually very complicated. Every premium we pay (such as wholesale premium, transfer premium and additional premium) must be deducted from a certain percentage of the initial fee, and then added to the personal account for appreciation. In addition, the guaranteed interest rate is also a factor we should consider now.
At present, the down payment ratio of Fuman's life is 3% of wholesale premium, 3% of additional premium and 1% of transfer premium. According to the regulations, the down payment ratio is 2% of the wholesale premium, 2% of the additional premium and 1% of the transferred premium. In this way, Fu Man Ying Jia is relatively low in the setting of payment ratio.
It's just that we will look at the guaranteed interest rate. The guaranteed interest rate set by Fuman throughout his life is 3%, while the guaranteed interest rate of Fuman Yingjia is 2.5%. It means that the proportion of upfront expenses paid by Fuman Yingjia is low, but its guaranteed interest rate is not so high.
In addition to the initial cost, another is that the insurance company will regularly deduct the risk insurance premium and other expenses from our personal account, so the benefits of universal insurance are sometimes not as good as we thought. You still have to understand ~
Generally speaking, you can choose a more flexible life insurance product plan, but you need to pay attention to the exemption clause.
At the same time, whole life insurance products in the main insurance are all universal insurance, and the situation is rather troublesome. Everyone chooses to insure before the analysis, which is likely to suffer. We don't think universal insurance is the best way to maximize wealth. If you want to apply for financial management, you can buy whole life insurance with high IRR (generally around 3.5%).
Senior sister has compiled some whole life insurance products with good returns, and interested friends can click to receive them:
"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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