If you want to know whether this product is suitable for you, you can click Reservation 1 Insurance Planning Service, and Deep Blue Insurance _ Concentrated Insurance Broker will give you professional advice.
The responsibility to protect is as follows:
Survival insurance: from the seventh policy year to the fourth policy year, 30% of the basic insurance amount will be returned every year;
Death insurance: maximum premium payment and cash value;
Double care minor illness insurance (optional): cover 50 minor illnesses, with a guarantee period of 15 years, in which the compensation amount is as follows:
The value of universal account at the time of insurance (premium paid by universal account+accumulated additional premium of universal account) and the minimum payment of 2 million.
It is worth reminding that if the universal account suffers from mild illness in the first five years, if the premium has not been added to the universal account, once it suffers from mild illness, it is impossible to claim compensation.
However, with more and more premiums entering the universal account in the future, the value of the account is also increasing, and the insurance premium for minor illness claims will also increase.
This product has a great advantage: high return! Starting from the fifth policy year of the product, if it is paid in three or five years, the premium will be returned 60% every year; Pay for ten years, and return the premium100% every year; Return the insured amount at maturity. If all the returned funds are not collected and put into the universal account, it will be beneficial to compound interest.
Relatively speaking, this product has a slow recovery speed. If it is a short-term investment, the income is not high; But the long-term benefits are considerable.