Considering that the recent LPR of 1 year has been lowered by 5 basis points, and the yield of 10-year government bonds has also declined to some extent, the annual interest rates of time deposits and certificates of deposit with various maturities may be lowered, and the downward trend of interest rates has become the general trend.
It is necessary to lock in long-term stable income as soon as possible while some assets still have reasonable income to ensure investment safety!
Then financial insurance has become our first choice, especially the partial financial insurance like whole life insurance. After all, the guarantee and cash value are written in black and white in the contract.
Next, Xue Jie will introduce you to an employee of Hongkang Life Insurance. Lucky whole life insurance again and again? Let's take a look at the guarantee of this product!
If you want to know the evaluation results of whole life insurance in advance, this article must not be missed:
Look! Hongkang Hongyun has repeatedly publicized the security highlights and benefits of whole life insurance!
Main points of this article: > >; How about whole life insurance, who is lucky in Hongkang Life Insurance?
& gt& gt Senior Sister suggested.
1. How about whole life insurance, where Hongkang Life has a good fortune? Senior, before it's too late, let's go directly to the above picture:
Senior, this product is directly analyzed from two aspects: insurance conditions and protection contents:
1. Analysis of insurance conditions: whole life insurance is a wealth management insurance product launched by Hongkang Life Insurance, with a lifetime guarantee period, which is more suitable for small partners who usually pursue lifelong protection.
Secondly, if you want to insure Hongyun whole life insurance, you must first meet the age range of 30 days to 70 years old, otherwise you can't insure.
At the same time, Fortune whole life insurance has also set six payment term options, namely wholesale payment and 3/5/ 10/ 15/20-year payment. You can choose the option that suits you according to your own economic situation.
In addition, whole life insurance is strictly an increasing whole life insurance, with an increase rate of 3.5%, which can be said to be at the average level in the whole increasing whole life insurance market.
If you are interested in increasing whole life insurance products, you can read this article by Senior Sister:
Who can manage money and ensure growth in whole life insurance? Is it worth starting with?
2. Analysis of coverage contents According to the terms, the coverage responsibilities of Lucky whole life insurance are death/disability insurance and aviation accident death additional insurance. Compared with those whole life insurance products that only have death/disability insurance in the market, this product can improve the coverage of the insured to a certain extent.
At the same time, Fortune whole life insurance has also set up three other rights and interests services, namely, policy loan, automatic premium prepayment and reduced payment, which has improved the practicability of the policy.
For example, if you choose to pay the insurance premium automatically, and we have not paid the insurance premium payable at the end of the grace period, the insurance company will automatically pay the insurance premium payable for the contract and the additional contract by deducting the cash value of the contract and the additional contract from the outstanding debt.
And the contract will still be valid, so that the contract will not be terminated because everyone forgets to pay the premium!
In addition, Fortune whole life insurance also has seven exemption clauses, which should be read carefully before taking out insurance.
For more information about the exemption clause, Senior Sister arranged it for everyone in this article:
What is the exemption clause of insurance? what do you think? If you don't understand, you will suffer a big loss!
Second, Senior Sister suggested that in view of the above aspects, whole life insurance's terms are good, not only the insurance conditions are relaxed, but also the coverage content is good, so that the insured can enjoy more comprehensive protection.
Therefore, if you have a small partner who is interested in Hongyun's continuous whole life insurance, you can start quickly!
However, if you want to have a look at other whole life insurance products on the market, there is no problem. After all, there are many excellent products of the same type on the market.
If you don't know where to start, then this article by Senior Sister can help you:
Freshly baked! Five High-yield and Profit Increasing whole life insurance, don't miss it!