Before the article begins, if you don't know much about these two risks, you can take a look at the following article:
"About the two insurance, the salesman won't tell you! 》
First, Le Worry-Free (exclusive edition) security content of old-age security is announced!
Needless to say, let's take a look at the product protection map carefully prepared by Senior Sister:
According to the above picture, the content of Leyouyou (exclusive version) old-age security is relatively simple. In order to facilitate everyone to know more about this product, Senior Sister will select several points for detailed evaluation in the next time.
1, analysis of insurance conditions
The insurance age range of old-age security is set from 7 days after birth to 60 years old, which can meet the insurance needs of most people. But people aged 6 1-70 don't have to worry. Most people aged 6 1-70 in the market can provide insurance opportunities for people aged 70 at most, and people aged 6 1-70 also have the opportunity to buy their own double insurance.
In addition, the guarantee period of Leyouyou (exclusive version) old-age security is mainly 20 /30 years. The insured can choose the guarantee period suitable for him according to his actual situation. It is worth noting that if the insured chooses to guarantee for 20 years, then the insured can only pay in batches or in 3/5 years; If the insured chooses to guarantee for 30 years, then the insured can only pay in 10/ 15 years.
2. Security content analysis
Le Worry-Free (exclusive edition) old-age security has set up two security contents: expiration security and death security.
If the insured dies within the guarantee period, the insurance company will provide the beneficiary with the corresponding death insurance money according to the time of the insured's death and the terms of the contract. If the insured survives until the expiration of the guarantee period, the insurance company will pay the insured an expiration insurance premium.
Compared with most of endowment assurance in the market, the coverage of Le Wu You (premium version) in the old-age security is more common and does not cover other distinctive coverage.
Regarding the specific situation of Le Worry-Free (exclusive version) old-age security, Senior Sister said here first. If you want to know more about this product, you can click the link below.
What are the obvious advantages of old-age security in Children's Worry-Free Edition? You have to consider these details first! 》
2. What are the precautions for insuring happiness and worry-free (Premium Edition) in old-age security?
As can be seen from the above, Le Worry-Free (exclusive version) old-age security only includes death insurance and expiration insurance, and cannot provide any protection for the health of the insured. Under this arrangement, if the insured is diagnosed with a serious illness and needs to pay high medical expenses, the old-age security (exclusive version) can not bring him financial support.
After all, health is the capital of revolution. Therefore, the senior sister told everyone that before buying Le Youyou (exclusive version) old-age security, buy yourself a comprehensive health insurance (just like critical illness insurance). Therefore, the health of the insured can be fully guaranteed, and there is no need to worry too much about medical expenses when suffering from serious illness.
There are many health insurance products worth buying in the market. Senior here has a list of high-quality critical illness insurance. If necessary, you can click on the link below to get it for free.
"Top Ten Hot Critical Illness Insurance Inventory Worth Buying! 》
Generally speaking, Leyouyou (exclusive edition) is a qualified endowment assurance, because its insurance conditions are relatively relaxed and its coverage content is relatively satisfactory. If the insured wants to take out a endowment assurance under the condition of adequate health insurance, it is recommended to buy Le Worry-Free (exclusive version) old-age security.
Write it at the end
I am an insurance top student, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to top student, the official account of WeChat, and ask me about insurance.
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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