Senior sister will come to give you a careful test right away! Interested friends continue to look down ~
Before we begin, we might as well read this article and review the most basic knowledge: "Holy whole life insurance, who can manage money, who can preserve capital and increase profits?" 》
1. What are the advantages and disadvantages of Kang Jun's jinsheng Jinshi?
As usual, let's take a look at the product protection map first:
Senior sister won't be the suspense, and I'll tell you the key points directly!
& gt& gt advantage:
1, flexible payment period and low threshold for initial investment.
The payment period of Jinsheng Jinshi can be selected from wholesale payment and annual payment. In this way, the insured can flexibly choose the payment period according to their own economic situation.
I don't know how to choose the payment period that suits me. This article can help you make a choice: "How to choose the payment period so as not to lose money? 》
Moreover, the minimum annual investment is 1000 yuan, and the threshold for initial investment is very low.
For those young people who have just entered the society and have no experience, or those with insufficient economic budget, Jinsheng Jinsheng is a good choice. When the liquidity increases in the later period, you can change your rights by exercising the insurance amount. Great!
2. The compensation coefficient is set reasonably.
The compensation ratio for the death of Jinsheng Jinshi whole life insurance is 18-6 1 year 160%, 6 1 year 120%. Why such a reasonable compensation ratio?
Senior sister gives you an unreasonable example from another angle: 18-40 years old 160%, 4 1-6 1 year old 140%, 6 1 year old 65438+20.
4 1-60 years old, at this time, family economic responsibility is the most important. Assuming that the proportion of compensation is reduced accordingly, that is to say, the protection is weakened, and the compensation that everyone finally gets is not enough to protect family expenses.
Therefore, whole life insurance, when it comes to such an increase in the proportion of compensation, it must not be taken lightly.
In contrast, Jin Shengji stone is better than most products in this respect, and it has set the highest proportion in the age group of 18-6 1, which is worthy of reward!
& gt& gt Disadvantages:
1, lack of total disability protection
At present, many increased whole life insurance have increased the death/total disability protection, and even some products have additionally increased the aviation accident death protection.
However, this product named Jinsheng Jinshi lacks the most basic total disability protection!
If the insured has insured this product in this life and in this life, but unfortunately he is completely disabled, it is impossible to get compensation.
I have to say that the security of Jinsheng Jinshi is not comprehensive enough.
2. The growth coefficient of insurance coverage is low.
Whole life insurance's premium growth will increase with compound interest every year according to the growth factor, and Jinsheng's life premium growth factor is 3.5%. At present, there are many whole life insurance with an increasing coefficient of 3.8% on the market.
As long as the increasing coefficient is higher, the subsequent money will be more.
In contrast, Jinshi seems a bit petty! "Stone increased whole life insurance can return to this in the second year? 》
Second, what is the lifetime income of Kang Jun Jinsheng Jinshi?
Before calculating the income, let's briefly understand the "cash value of the policy".
The cash value of the insurance policy, in other words, is the cash we can get when we surrender the insurance. The influencing factor of whole life insurance's income increase is the cash value of the insurance policy.
Jin's overall income Jie will show you:
At the age of 30, Lao Wang insured a whole life insurance with an annual increase of 65,438+10,000 yuan for five years, and guaranteed it for life.
Looking at the picture, we can see that Lao Wang paid a premium of 500,000 yuan in five years, and 536,000 yuan was the cash value of the policy when Lao Wang was 36 years old. At present, the principal has been recovered.
Compared with whole life insurance, which improved the payment rate in 1956, Jin Shengji can make payment in a relatively short time.
When Lao Wang is 60 years old, the cash value of the policy can reach 1, 2 1.8 million. If he surrenders his insurance now, the money can play a role in the follow-up pension life, or it is not bad to choose to use the money for travel and play!
If you don't surrender, the cash value of the policy will increase to 1, 765438+3000 yuan when Lao Wang is 70 years old. This income is really good, and the value can be 3.4 times.
If you choose to continue to increase the insured amount, Lao Wang will still not surrender. Lao Wang died at the age of 80, and Lao Wang's family can receive 2.399 million death benefits.
According to the picture, when whole life insurance was over 60 years old, the internal rate of return (IRR) fluctuated around 3.3%, which was also satisfactory.
Third, the summary of the senior sister
Generally speaking, whole life insurance Zhongjinsheng has a good payment period and a low insurance threshold; However, the coverage is not comprehensive enough, and the growth coefficient of insurance coverage is low.
However, the income from finishing is still considerable, and it seems to be quite stable, but whether it is worth insuring depends on personal thoughts.
There is a saying that what others say well may not be suitable for you, but it is best to choose what suits you! There are countless premium in whole life insurance, so it is not too late to know more about other products before insurance.
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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