In order to let everyone have a standard to refer to when applying for insurance, the seniors will explain whole life insurance, Hua Gui Ai Xin E Home in detail.
Before we begin, you can learn more about the level of whole life insurance in the market:
"Super complete! Domestic popular life insurance comparison table "
1. How much does whole life insurance pay each year? Can I surrender my insurance flexibly?
Not much to say, just show you the product form diagram of whole life insurance, the luxurious home of Ai Xin E:
As can be seen from the above figure, whole life insurance of Huagui Xin 'ai E Family is definitely an increasing whole life insurance, and the insured amount is increasing at a rate of 3.5% every year; Insurance liability includes death and total disability protection, and different age groups can enjoy different compensation.
Next, let's analyze this product!
1. How much do you pay each year?
Like the more common critical illness insurance and medical insurance, if the consumer fills in the insurance information, it will automatically display the premium to be paid.
However, whole life insurance of Hua Gui Ai Xin's E family is different. You can decide how much premium to invest, and the minimum premium is 1 000 yuan.
Therefore, how much money to pay each year depends on your own economic situation and insurance requirements.
If you want full protection, pursue high returns and have a good economic foundation, it is suggested that you can choose a higher premium.
However, if the budget is limited, it is recommended not to blindly choose high premiums in case of excessive economic burden.
2. Can I surrender my insurance flexibly?
It is estimated that most people choose to buy whole life insurance because they take a fancy to its financial function, and whole life insurance, a luxurious and loving E-home, has not let everyone down.
Senior, taking the 30-year-old male policyholder as an example and the insurance premium of 654.38+ 10,000 as an example, demonstrate the benefits:
Calculation of whole life insurance's income of e-home in Huagui Ai Xin
According to the picture, it can be found that in the fourth policy year, the cash value owned by whole life insurance, an E-Family of Luxury Credit, exceeded the total premium by 654.38+10,000, and the return speed was very good, far better than many similar products.
Let's see, when most people retire at the age of 60, the cash value is around 250,000, which means that the insured has earned 6.5438+0.5 million!
If the funds can't be turned over for a while, or if you want to protect the quality of life of the elderly, you can directly choose to surrender and take out cash to preserve the value.
However, this luxurious Xin 'ai E-Family life insurance has rich cash value rights, such as insurance reduction and exemption, policy loans and so on. According to the above functions, the insured can withdraw cash without choosing to surrender.
The so-called reduction of the insured amount refers to reducing the insured amount and withdrawing the corresponding amount of money. The remaining insured amount and cash value will continue to grow.
The so-called policy loan refers to lending part of the cash value to the insurance company, and the principal and interest can be returned as long as it expires.
In this way, the insured can not only withdraw cash for emergency, but also continue to enjoy the protection of life insurance. Whole life insurance, a luxurious and loving E home, is so loving!
There are many excellent places in whole life insurance, and the space is limited. If you want to know more about it, you can refer to this in-depth evaluation:
"Luxury Ai Xin E Home" didn't expect the income to be good! 》
Second, is whole life insurance worth buying?
Generally speaking, the whole life insurance policyholders of e-home in Ai Xin can decide how much to pay each year, which is more flexible; It is still worth buying because of its higher set income, higher cash value and equity, more flexible funds and better financial management function.
Of course, we usually shop around for daily necessities, not to mention such an important thing as insurance.
Senior Sister has sorted out five whole life insurance products with higher income for you, so you can have a look.
"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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