So is there a pit in this product? Is it worth buying? The following sister will give you an in-depth evaluation!
Click the link below to get a sneak peek at the true face of Taikang Life Insurance:
Reveal the benefits of Taikang's birthday in whole life insurance! Surprised or happy? 》
1. How about whole life insurance, Taikang Life's birthday?
In the same way, the senior first presented the product form diagram of whole life insurance, who was born in Taikang and grew up in Sri Lanka:
1, insurance rules
Let's look at the insurance age in whole life insurance. Who was born between 30 days and 70 years old? This range is not narrow, and people of all ages have the opportunity to meet their financial needs through this product.
Secondly, there is information about the guarantee period. At present, Taikang's one-year life insurance has only the option of "lifetime protection".
Then, the payment period of Taikang whole life insurance is as long as 6 years. Now the shortest payment period is wholesale payment, and the longest payment period is 20 years, which is even beneficial to consumers with different economic budgets to choose flexibly.
As for the waiting period, the length of time currently set by Taikang whole life insurance is 180 days.
Moreover, at present, Taikang Tianshou whole life insurance supports adding 1-6 occupations, which is more friendly to high-risk people in daily work.
Finally, Taikang whole life insurance can be regarded as an increasing whole life insurance with an increase coefficient of 3.5%, which will not be disturbed by market fluctuations if it is written into the contract terms.
This means that within the validity period of the contract, the effective insurance amount will always increase with 3.5% annual compound interest.
If you want to compare the same type of products, you can learn about whole life insurance after Hongkang Happiness after 2.0. The increase coefficient of insurance coverage is also 3.5%, and the guarantee and income are also excellent:
"Hongkang Life Insurance 2.0 increased the happiness after whole life insurance. Come and have a look! 》
2. Safety content
Whole life insurance's coverage covers death insurance, aviation accident death insurance and high-speed rail accident death insurance. Moreover, this product also covers sufficient and practical other rights and interests.
There are many ways to pay for the death insurance of this product. If the insured dies without accidental injury during the waiting period, the premium paid will be refunded.
If the insured dies due to accidental injury or after the waiting period, the greater of the paid premium and cash value shall be paid before the corresponding date (excluding) of the first year after the expiration of 18; /kloc-on the corresponding day of the first year after the age of 0/8 and beyond, the effective insured amount, cash value, paid premium × corresponding proportion shall be paid.
Then, the senior talked deeply about the protection of accidental death. The aviation accident death insurance premium and the high-speed rail accident death insurance premium are paid at 1 times of the death insurance premium, which is not bad.
However, it should be noted that both of these insurance benefits set the age threshold for the insured to get out of danger. Only when the insured dies unexpectedly from the effective date of the first year after reaching the age of 18 to the effective date of the first year after reaching the age of 80 (excluding) and meets the claim conditions, the insurance company will pay the corresponding insurance benefits.
Second, is Taikang Life Insurance whole life insurance worth buying?
To sum up, Taikang Life Insurance whole life insurance is cost-effective and comprehensive, which is worth starting with.
Of course, in addition to the cost-effective Taikang Life Insurance whole life insurance, there is also an increased list of whole life insurance, which is full of products worth buying. If necessary, you can refer to:
"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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