There are also many small partners asking, is the price/performance ratio of luxury life barley sweet home 2022 term life insurance really so high? Is it really worth buying? Today, my senior sister will come to give you a popular science lesson ~
For those who buy insurance for the first time, please read this article to learn more about term life insurance:
What is term life insurance? Who is suitable for buying? Everything you want to know is here! 》
1. What is the term life insurance of luxury life barley sweet home 2022?
The guarantee content of barley sweet home 2022 term life insurance has been drawn by senior sister. Let's get familiar with:
As shown in the figure, barley sweet home 2022 term life insurance mainly provides protection against death or physical disability, including general insurance and special insurance.
In addition, Barley Sweet Home 2022 term life insurance also supports premium exemption. If the insured dies or is physically disabled due to accidental injury, the subsequent premium can be exempted, and the policy is still valid.
In terms of other rights and interests, barley sweet home 2022 term life insurance provides the options of reducing the insured amount and splitting the contract, which is very practical.
The following seniors will introduce its guarantee content:
1, flexible insurance rules
Barley Sweet Home 2022 Term Life Insurance has two insured persons. As long as you are healthy, both parties (including husband and wife) can participate in the insurance, which is equivalent to an insurance policy, and both parties benefit!
And there are five guarantee periods to choose from, and at the same time there are five payment periods, so that the insured can be flexibly insured on the basis of the actual situation of the family.
For couples with limited economic conditions, if the selected guarantee period is suitable, it is recommended to choose a longer payment period, so that the annual payment pressure is relatively small.
Here I have summarized an article for all my friends, which can help you choose the appropriate payment period:
"How to choose the payment period so as not to lose money? 》
2. There are many options for the guarantee period.
Barley Sweet Home 2022 term life insurance provides 10/20/30/35/40 years and other protection periods, with a wide range of options.
In this way, consumers can choose the corresponding guarantee period according to their own needs, which is more flexible.
3. Actual rights and interests
The rights and interests of barley sweet home 2022 term life insurance are particularly practical:
(1) If you need money urgently during the guarantee period, you can use the insurance deduction function to receive part of the reduced cash value, which can alleviate the short-term capital turnover problem.
(2) Also have the right to split the contract into two insurance contracts, and the basic insurance amount of each insurance contract is higher than that of the split contract.
4. There are few exemption clauses.
Exemption clause means that the insurance company agrees in the form of a contract under what circumstances it will not bear any responsibility.
In other words, the fewer exemption clauses of insurance products, the better for the insured.
Barley Sweet Home 2022 term life insurance has only three exemption clauses, which is more friendly to policyholders.
Second, is it worthwhile to start with the luxury life barley sweet home 2022 term life insurance?
Generally speaking, the luxury life barley sweet home 2022 term life insurance is very good, with flexible insurance methods according to the situation, good protection and high cost performance, which is very worthy of insurance!
Because some people are very concerned about its benefits, I would like to introduce it to you here by the way. Barley Sweet Home 2022 term life insurance has cash value, but because life insurance is divided into consumer insurance products, its cash value is often not so good. Although the cash value will increase with the increase of guarantee time, its growth rate is particularly slow. When the insurance expires, the cash value of the policy will be zero.
If you need security and income, you might as well consider increasing whole life insurance. This kind of life insurance is very good in terms of income.
Like these five increases, whole life insurance has a high increase ratio:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
However, the senior suggested that the general family should give priority to the corresponding protection, such as barley sweet home 2022 term life insurance, which can already provide sufficient protection.
However, the increase in whole life insurance is more suitable for the purchase needs of high-net-worth individuals. With sufficient security and economic prosperity, we should learn about income-based wealth management products.
Write it at the end
I am an insurance top student, 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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