The following sister will give you an in-depth evaluation! This article can help you get familiar with universal insurance in advance. If you don't know, let's take a look:
"Using universal insurance to manage money, the income is stable and safe? Universal insurance from the beginning! 》
First of all, reveal the product form of whole life insurance (universal type)
Not much to say, let's look directly at the protection map of whole life insurance (universal)No. Xiangzhen 1:
Senior sister will make an in-depth analysis of whole life insurance (universal) according to the analysis of insurance conditions and guarantee responsibilities.
1, analysis of insurance conditions
As long as people aged 30 days after birth (and discharged from hospital) -70 years old are covered by whole life insurance (universal type).
Through the analysis of payment methods, the optional payment methods of Xiangzhen 1 whole life insurance (universal) include transfer, addition and wholesale payment.
2. Analysis of guarantee responsibility
According to the understanding during the insurance period, whole life insurance (Universal) will protect the death of the insured and stipulate the corresponding compensation ratio according to different situations.
Xiang Zhen 1 whole life insurance (universal type) contains universal account, and its minimum guaranteed interest rate is 2.5%, which enables consumers to obtain certain guaranteed income.
In terms of other rights and interests, Xiang Zhen 1 whole life insurance (universal) covers rights and interests such as continuous dividends, partial collection of policy account value, and policy loans.
The product form analysis of the so-called "Xiangzhen 1 whole life insurance" (universal type), Senior Sister, let friends know about it first.
Next, Senior Sister will give you an in-depth understanding of the performance of whole life insurance (Universal).
If you are in a hurry, you can also take the evaluation score directly:
The article reveals Taikang's "Enjoy 1 whole life insurance (Universal)"! 》
2. How did whole life insurance (Universal) get the first place?
Before purchasing whole life insurance 1 (universal), you should pay attention to the following matters:
1, personal protection
As whole life insurance, we must set up death protection. The content of protection in whole life insurance not only stipulates the death protection, but also provides various personal protection for many products.
For example, some whole life insurance include total disability or high disability protection, traffic accident death/total disability protection, and major natural disasters accident death/total disability protection. , constantly improve the personal protection of the insured and promote the corresponding risk transfer ability.
However, Xiang Zhen 1 whole life insurance (universal type) only contains death protection, and this product still has some room for improvement in the setting of personal protection for the insured.
2. Guaranteed interest rate of universal account.
Under normal circumstances, universal insurance has universal accounts, and universal accounts generally set a guaranteed interest rate, that is, how much guaranteed income consumers can get after compound interest and appreciation of funds through universal accounts.
This means that the higher the guaranteed interest rate of universal account, the higher the guaranteed interest rate of consumers under the same conditions.
At the same time, Xiang Zhen 1 whole life insurance (universal type) also has a universal account with a guaranteed interest rate of 2.5%, which is actually higher than the guaranteed interest rate of some universal accounts of the same type in the market (2%).
However, there are many universal accounts with a guaranteed interest rate of 3% in the market, and consumers can obtain higher guaranteed income (under the same conditions) through compound interest appreciation of such universal accounts.
Speaking of it, what universal insurances are currently on the market that deserve attention? The list has been sorted out:
"Ten universal insurance stocks worth buying! 》
Third, the summary of the senior sister
Generally speaking, the insurance conditions of this product are relatively loose, and various practical other rights and interests are also provided. However, this product does not include total disability protection. And the guaranteed interest rate is 2.5%. So before you insure this product, you should consider whether to start or not.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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