Today, my senior will take a look at the whole life insurance selected by Jinghui (Beijing enjoys a prosperous life) to see if it is really that good. Click the link below to learn the true face of whole life insurance chosen by Jinghui Zhen Xuan (Jingxiang Shengshi):
If you want to see the evaluation of seniors from another angle, you can look at:
"Beijing Life Insurance benefits Zhen Xuan (Beijing enjoys prosperity)" Is there any surprise in whole life insurance? Expose the bottom of the article! 》
1. How about whole life insurance?
As usual, let's take a direct look at the protection map of Beijing Huixuan's whole life insurance (Beijing enjoys a prosperous time):
From the above figure, it is easy to know that the insurance age of Jinghui Zhen Xuan (Jingxiang Shengshi) whole life insurance is quite in line with the rules.
The underwriting age of this whole life insurance is 28 days after birth-60 years old. If insured, it can be guaranteed for life, and the guarantee period is not short.
Let's analyze this whole life insurance in detail ~
1, and multiple payment cycles are selected.
Whole life insurance in Beijing includes two options: batch delivery and regular delivery.
The delivery period is set to three years, five years, 10 year, 15 year, 20 years and 30 years.
From this point of view, the payment period of whole life insurance chosen by Jinghui Zhen Xuan (Jingxiang Shengshi) is quite diverse.
When the total premium is determined, if the economic strength is strong and you want to get a higher amount of insurance, you can directly increase the bargaining price.
However, if you don't want to pay too much pressure, you should check the delivery according to your own economic situation.
When the budget is fixed, the longer the payment period is chosen, the more the total premium will be shared equally, so the less the premium will be paid each year and the burden of payment will be reduced.
If you want to know what kind of payment period you should choose according to your actual situation, you can also look at:
"How to choose the payment period so as not to lose money? 》
Judging from the various payment terms provided by Jinghui Zhen Xuan (Jingxiang Shengshi) whole life insurance, this whole life insurance is relatively good, considering the insurance needs of policyholders with different economic conditions.
2. In terms of exemption clauses.
Remind everyone, for example, the accident of the insured is the same as that stipulated in the exemption clause, and the insurance company can not pay a penny.
Therefore, for example, as a product from whole life insurance, we still attach great importance to the exemption clauses, and try to choose products with fewer exemption clauses.
Generally, whole life insurance in the market has three, five or seven exemption clauses.
Whole life insurance selected by Jinghui (Beijing enjoys a prosperous time) contains seven exemption clauses.
There is an agreement on drunk driving, so everyone should pay attention.
3, in terms of security content.
Jinghui (Beijing enjoys a prosperous life) chooses full life insurance, which only provides death protection.
Many whole life insurance in the market not only provide death protection, but also provide total disability protection.
Although total disability may not seem as serious as death, if the family's economic pillar is unfortunately completely disabled, the blow to the whole family is enormous.
Not only will the whole family have to pay some medical and nursing expenses, but they will also lose their main source of income. ...
Therefore, it is better if whole life insurance can also cover the total disability protection.
In addition, some whole life insurance will also cover aviation, public transport accidents, death/total disability and other protection, bringing extra protection to people who travel frequently.
Second, Jinghui Zhen Xuan (Beijing enjoys prosperity) Is whole life insurance worth buying?
Generally speaking, whole life insurance, chosen by Jinghui Zhen Xuan (Jingxiang Shengshi), is very considerate in the payment period, but people should pay more attention to the protection content and exemption clauses before buying insurance.
To this end, senior sister still suggests that the family should look more and compare similar products on the market before making a decision.
Of course, besides whole life insurance (Jingxiang Shi Sheng) selected by Jinghui, there is also a list of whole life insurance, which is full of products worth buying. Friends in need 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
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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