Today, Senior Sister will show you how this insurance works! Anxious friends can also collect this article first:
Is whole life insurance worth buying? Be sure to read it before insurance! 》
1. How about whole life insurance's centennial love life?
Not much to say, let's take a look at the protection content of a hundred-year love life:
Below, I will introduce the relevant information of this product from two aspects: the insurance conditions and the protection content that everyone is more concerned about.
-Insurance conditions
Centennial Xin 'ai Life Insurance sets the age range of insurance at 28 days -70 years old, which is more relaxed than 50% of similar products.
After all, the highest acceptable insurance age for many similar products is 65 or 60, while Centennial Ai Xin Life Insurance is different from similar products. If you are a small partner who has been refused insurance by other life insurance, you can consider a hundred-year love life.
Also, as a whole life insurance, Centennial Ai Xin Life will definitely get the final payment, which is more suitable for people with wealth inheritance plans.
Centennial Xin 'ai Life Insurance has a minimum insurance threshold of 3,000 yuan, which is also extremely low. You should know that there are many life insurance products starting from 10,000 yuan. Centennial Xin 'ai Life Insurance is very friendly to non-high net worth people.
Look at the payment period again. There are three payment methods, as follows: 3-year payment, 5-year payment and 10-year payment. This payment method is very common, because many whole life insurance in the market support wholesale payment (that is, one-time payment), which will be more convenient for those friends whose income is not very stable.
Generally speaking, the insurance conditions of Centennial Ai Xin Life are not perfect, but they are excellent.
Of course, if you want to talk about products with excellent performance, you must count these models:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
-Guaranteed content
Love for a hundred years is quite simple in the content of protection.
First of all, let me talk about death insurance. There are safety contents in the safety map above, so I won't explain them one by one. It is worth noting that the payment coefficient of the insurance premium for the centennial death of the faithful lover is as follows:
Corresponding coefficient: 18-40 years old:160%; 4 1-60 years old:140%; 6 1 over: 120%.
This is actually unreasonable, because at present, some full life insurance policies have set the contribution coefficient of 4 1-60 years old as 160%, and as we all know, after 4 1 year old, the family pressure will increase instead of decrease. At this time, if misfortune happens to the insured, it will have a great impact on the family.
Therefore, in the setting of the compensation coefficient of death insurance, the benefits of a hundred years of love for life to consumers are not great.
In addition, Ai Xin Life's insurance coverage has increased by 3.5% every year for a hundred years, and it only gradually increased at the beginning of the second policy year, which is also its disadvantage.
Because most of whole life insurance, which can do it now, have set an increase coefficient of 3.8% or even higher.
Senior sister has compiled some very good life insurance products, and friends with insurance needs can click on the link to learn:
Top Ten Life Insurance Rankings Worth Buying! 》
2. Is whole life insurance worth insuring?
After explaining the basic situation of Ai Xin's century-old whole life insurance, let's talk about whether this product is worth insuring.
On the whole, seniors and seniors think that the cost performance of whole life insurance is average, except the payment period is somewhat inferior, and the protection that everyone values most is also poor and lacking.
In short, it is suggested that partners who want to buy whole life insurance should compare other products and choose better products to buy.
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 the top student, and the official account of WeChat says that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!