Today, Senior Sister will take a look at Tianfu Life Insurance of Taikang Life Insurance with everyone to see if it is really that good. Click on the link below to learn the true face of Taikang Life Insurance's Tianfuquan Life Insurance:
Taikang Life Insurance blessed whole life insurance at the age of? Is it worth starting with? 》
First, the big secret of Taikang Tianfu whole life insurance clause
In order to let everyone know this product intuitively, Senior Sister presented Taikang Tianfu product protection map:
1, the insurance age threshold is low.
When Senior Sister first saw the terms of Taikang's New Year gift to whole life insurance, she was amazed by it. According to the age requirements of Taikang Tianfu Insurance, even the 70-year-old can be insured. We should know that many whole life insurance products on the market are insured at the age of 65, and Taikang Tianfu's insurance age is directly five years longer than theirs.
This is a good choice for 30-70-year-old "old workers", who can pass on their income after many years to future generations.
2. The payment period is diversified.
Taikang Tianfu whole life insurance's payment period is also very friendly. The insured can choose 3/5/ 10/ 15/20 years or pay the premium at one time. Senior sister thinks that if you want to pay less premium every year, you can choose 15 or 20 years. If a small partner with strong ability to pay but no stable economic income can pay the premium in one lump sum, the uncertainty of future capital income will be reduced.
If a friend wants to know more about the benefits of one-time premium payment, you can click on the following to learn more.
What do you mean by wholesale? What are the benefits? 》
3. The insured amount has high compound interest.
Friends who have listened carefully to seniors' explanations of insurance knowledge before should know clearly in their hearts that the increase of insurance coverage and compound interest is one of the highlights of whole life insurance. Taikang Tianfu whole life insurance's insurance coverage is gradually increasing at the rate of 3.5% per year, and it belongs to the first echelon in the whole life insurance market today.
From the basic information of whole life insurance, we can find that seniors and seniors think this is an excellent life insurance product with low insurance threshold and humanized design. However, please don't worry too much, and then learn from the perspective of income and functionality!
Second, is it worthwhile to start with Taikang's age in whole life insurance?
1, income simulation demonstration
Next, let's give an example to illustrate the income of Taikang Tianfu whole life insurance. Mr. Chen is 45 years old, married and has a lot of money. He plans to leave his wealth to his children after his death. If he starts from Taikang and adds whole life insurance, he will pay 600,000 yuan a year and pay 10 years, and the basic insurance coverage will be 3.693 million yuan.
From the above figure, it is found that the cash value of the policy has already caught up with the accumulated premium paid by Mr. Chen in the tenth policy week when he deployed Taikang and Tianfu whole life insurance. It is worth mentioning that he was only 54 years old and still in his prime!
According to the basic retirement age of men in China, 60 years old. By the time Mr. Chen was 60 years old, namely 16 insurance year, the cash value of Taikang Tianfu whole life insurance had exceeded the accumulated premium by nearly1300,000 yuan. Even if Lao Chen surrenders his insurance, the money will make his living standard better in his later years.
After a detailed accounting of the income, the senior sister should praise the income of Taikang Tianfu Life Insurance in addition to praising Mr. Chen's "more money and more than one billion yuan", and the cash value is increasing at a very high speed!
2. Diversification of policy functions
Small partners all know that although high income is considerable wealth, it will be higher than ordinary people in terms of financial risks. The whole life insurance, adding a blessing to a Taikang old age, has also given some consideration to this aspect. When the insured is short of funds, he can apply for a short-term loan not exceeding 80% of the policy value. You can also reduce the annual premium pressure of the insured by reducing the rights and interests, thus alleviating the financial pressure.
At the same time, Taikang Tianfu whole life insurance has its own annuity conversion right. A hundred years after the death of the insured, the beneficiary can convert all or part of the insurance money into an annuity according to his actual situation. Of course, the insured also enjoys this right in the case of termination.
Senior found that whole life insurance also has a convenient function, that is, automatic payment. In case of overdue premium, customers can directly choose to convert the cash value of insurance to offset the insufficient premium and avoid the interruption of protection.
Generally speaking, Taikang Tianfu whole life insurance is quite cost-effective, and it is worthy of everyone's choice whether it is basic guarantee or income.
After the evaluation of senior sister, we can see that this product of Taikang Tianfu whole life insurance is still worth buying. Of course, there are other cost-effective products on the market, and the senior sister has also compiled a copy:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
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.
WeChat official account: top student said that the insurance cost is low, so buy the right insurance!