If you are pressed for time, you can read this article. Senior sister guarantees that they are all dry goods:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
First, the patron saint of love 2.0 whole life insurance guarantee?
As usual, without further ado, the senior will give you the above picture now:
To sum up, for this Aisheng life insurance, it still looks outstanding. Here is a detailed explanation for everyone:
1. Flexible payment method
Whole life insurance, the patron saint of Aisheng 2.0, has two payment methods, which can be paid monthly or annually.
This is the first time that I, a senior in whole life insurance, found this method quite attractive!
At present, there is no monthly payment in whole life insurance, and most of them only have wholesale and annual payment.
2. Additional compensation for aviation accidental death/total disability
During the insurance period, death or total disability caused by aviation accidents is the protection object of this insurance. Not only can you get ordinary death or total disability insurance, but the effective insurance amount of the policy will be paid extra.
Locking the insurer's personal safety is only an interest, and it is indeed a very good thing to improve its own security system.
The insured amount will increase every year.
Compared with the old version of 3.5%, the high coverage coefficient of version 2.0 has increased to 3.6%, although it has only increased by 0. 1%, but it is also a good sign of growth. Isn't it much better to stagnate?
If 40-year-old Lao Li has the idea of insuring whole life insurance, the annual premium will be 65,438+million, which will be paid in three years. The income shown in the figure is as follows:
From this table, we can see that when Lao Li was 47 years old, the cash value of the account reached 323,960 yuan, which means that it can be returned in seven years. Compared with those products on the market that can return to their original cost in ten years, the speed of returning to their original cost is commendable.
When Lao Li was 60 years old, the account value was close to 600,000, which basically doubled. Is it really not fragrant?
In addition, when Lao Wang was eighty years old, the cash value had reached1140,000. At this time, the premium has more than tripled, which is equivalent to saying that in addition to the premium of 300,000 yuan, a total of more than 800,000 yuan has been earned, which is really sweet!
In view of the limited content of the article, senior sister won't go into details. You can click on the link to see the details, which will definitely benefit everyone:
"Guardian of Love Life 2.0 Lifelong" is about to stop selling, and I was shocked after calculating the real income! 》
Second, what about the insurance company?
This whole life insurance product is actually from Aisheng. Founded in June, 20 17, the company is also a national comprehensive life insurance company integrating health insurance, accident insurance and wealth management insurance.
Love life. Total registered capital1700 million yuan. Up to today, four branches in Beijing, Tianjin and Hebei and Jiangsu have been established.
Whether an insurance company is qualified depends on these two aspects. One is whether the solvency is up to standard, and the other is whether the comprehensive risk rating ability is qualified.
Is the love life qualified? Let's see:
1. Solvency
When the core solvency ratio is >: 50% and the comprehensive solvency adequacy ratio is >; 100%, even if the solvency is up to standard.
The core solvency adequacy ratio and comprehensive solvency adequacy ratio of Ai Life Insurance in the fourth quarter of 2020 are both 65,438+083.99%, which has exceeded the requirements of the CBRC, so it can be said that this solvency is already very good.
2. Comprehensive risk rating
According to the information report data of China Banking and Insurance Regulatory Commission in the second and third quarters of 2020, the comprehensive risk rating ability is A, which has reached the basic requirements of China Banking and Insurance Regulatory Commission.
Generally speaking, Aisheng is excellent in all aspects, which shows that Aisheng's operational ability is acceptable, and everyone can take out insurance with confidence.
Third, senior sister suggested.
Whole life insurance, the patron saint of Love 2.0, has good strength and stable income from all aspects, and can still meet the needs of insurers in many aspects.
If you don't have very detailed requirements for whole life insurance, you can take a look at Guardian of Love 2.0, which is a good choice.
If you want to reconsider it, or want to observe it with other products, here is an article for you, click Collection:
"Super complete! Whole life insurance comparison table popular in China.
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