Before the formal evaluation, you may want to know what is life increment insurance:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
First, Fosun Prudential's responsibility for the protection of whole life insurance, an emerging royal family, is open!
Let's take a look at the essence of Fosun Prudential's protection of whole life insurance:
Senior, come straight to the point and present the evaluation conclusion for everyone:
1. The insurance threshold is set reasonably.
At present, the final payment period of Fosun Prudential and Xinxing Yu Jia whole life insurance can be divided into three years, so the corresponding insurance thresholds are different.
Everyone knows very well that if wholesale delivery is chosen, the threshold for investment is 65,438+10,000 yuan; If you choose three years, you must insure whole life insurance and Fosun Prudential Xinxing Royal Court from 30,000 yuan.
Compared with many whole life insurance in the market, the insurance thresholds of Fosun Prudential and emerging Yu Jia whole life insurance are relatively reasonable.
2. Convertible annuities increase pension subsidies.
Judging from the product terms of Fosun Baode Xinxing Yu Jia whole life insurance, this product has the right to view and convert annuities. If the insured is over 60 years old and the policy has been in effect for 10 years, he can apply for converting the cash value into a pension as a one-time premium as a guarantee for future retirement.
Paying off the reduced amount can reduce the pressure of the insured.
Fosun Prudential, an emerging Yu Jia and whole life insurance, can offer many benefits. In addition to converting annuity, the insured also enjoys policy rights such as policy loan and reduction of payment. If the insured is in urgent need of money during the guarantee period, he can apply for a reduction in payment.
The insurance company will take the balance after deducting all kinds of arrears according to the cash value at the time of application as the one-time net insurance premium (excluding the insurance premium of the company's operating expenses, commissions and other expenses), and the insurance amount can be recalculated.
In other words, the basic protection will be reduced, but we don't have to pay the premium anymore, and the insurance contract is still valid.
With regard to whole life insurance, the analysis of the guarantee responsibility of Fosun Prudential's emerging royal family ends here!
2. What are the incomes of whole life insurance, Fosun Prudential and Xinxing Royal Family?
Senior sister borrowed 500,000 yuan from 30-year-old Mr. Li for life to see if Fosun Prudential's emerging royal family's whole life insurance income is good.
According to the income calculation table of whole life insurance, the emerging royal family of Fosun Prudential, by the time Mr. Li was 34 years old, the cash value was as high as 503,090 yuan, exceeding the accumulated premium.
If Mr. Li has an urgent need for funds at this time, he can rely on the policy loan to get a turnover of funds, thus solving the funding problem.
By the time Mr. Li is 60 years old, the total cash value is 1296 160 yuan, which can be regarded as Mr. Li's pension reserve, which can be used to improve the quality of life for the aged or travel in the future.
Once Mr. Li reaches the age of 80, his cash value is 2,578,855 yuan, which can leave a considerable fortune for his descendants.
Space is limited. If you are interested in the benefits of Fosun Prudential's new royal family whole life insurance, you can read the following article:
"Fosun Prudential Baoxing Yu Jia's lifetime real income was exposed and snapped up for a reason! 》
To sum up, whole life insurance, the emerging royal family of Fosun Baode, is worth buying because of its high cost performance, comprehensive guarantee and high income.
However, the senior sister needs to remind everyone that before considering financial management, we should do a good job of protection.
To this end, the intimate senior summed up this life insurance configuration plan for everyone, and it doesn't hurt to save it:
How to buy insurance at different ages? Everyone should have his own plan.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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