Senior sister will come soon, and we will give you a systematic evaluation! Interested friends continue to watch ~
First of all, let's take a look at the following article to consolidate our previous basic knowledge: "Who is the sacred whole life insurance? Is it worth starting with? 》
1. What are the advantages and disadvantages of Kang Jun's jinsheng Jinshi?
As usual, let's take a look at the product protection map first:
Senior sister won't be the suspense, and I'll give you the key points directly!
& gt& gt advantage:
1, flexible payment period and low threshold for initial investment.
This insurance, named Jin Shengjin Stone, has two payment periods: wholesale payment and annual payment.
In this case, the insured should flexibly choose the payment period according to their own economic situation.
If you don't know what is suitable for your payment term? This article can give you the answer: "How to choose the payment period without losing money? 》
Moreover, the minimum annual investment is 1000 yuan, and the threshold for initial investment is very low.
For young people who have just entered the society and have insufficient economic budget, it is also good to decide to join the big family of Jinsheng Jinsheng. In the case of increased liquidity in the later period, the right to change the amount of insurance is a way you can increase the amount of insurance, which is very considerate!
2. The compensation coefficient is set reasonably.
The compensation ratio for the death of Jinsheng Jinshi whole life insurance is 18-6 1 year 160%, 6 1 year 120%.
Is this establishment reasonable?
Let me give you an example from the opposite side: 18-40 years old 160%, 4 1-6 1 0/40%, 6 1 65438+20%.
4 1-60 years old, which is the time when the family's economic responsibility is heaviest. At this time, reducing the proportion of compensation means that the protection becomes smaller. In the end, the compensation everyone got was not enough to protect their families.
If you encounter a situation similar to that in whole life insurance, you should pay more attention to avoid this situation.
In contrast, we have to admit that Jin Shengji has done better than many people in this respect, and 18-6 1 has the highest compensation ratio, which is commendable!
& gt& gt Disadvantages:
1, lack of total disability protection
At present, many additional whole life insurance products have death/total disability protection, and some products even have additional aviation accident death protection.
But as far as jinshengjinshi is concerned, it lacks the most primitive total disability protection!
If the insured fails to meet the standard of compensation for death due to accidents and misfortunes after taking out insurance for Jinsheng Stone, no compensation will be paid.
People can't help but feel that the strength of this guarantee is too low, it is simply too weak.
2. The growth coefficient of insurance coverage is low.
The premium increase in whole life insurance will increase with compound interest every year according to the increasing coefficient, and Jinsheng's performance in this life is 3.5%.
At present, there are many whole life insurance with an increasing coefficient of 3.8% on the market. It is assumed that the higher the incremental coefficient, the better the subsequent income.
In contrast, Jinsheng was a little stingy in his life: "Can Jinsheng Jinshi return to his original position? I am stupid to calculate the income. "
Second, what is the lifetime income of Kang Jun Jinsheng Jinshi?
Before calculating the income, let's briefly understand the "cash value of the policy".
The cash value of the policy refers to the money we can get when we surrender the insurance, and this part about increasing whole life insurance's income is related to the cash value of the policy.
Then Senior Sister will take you to analyze the income of Jinsheng Jinshi:
The 30-year-old Lao Wang took a fancy to A Jin Jin Sheng Shi Zeng whole life insurance and insured it. The annual payment is 654.38+10,000 yuan, and it takes five years for * * * to be guaranteed for a lifetime.
As shown in the figure, Lao Wang paid a premium of 500,000 yuan in five years, and the cash value of the policy could reach 536,000 yuan when Lao Wang was 36 years old. At this point, the cost has been recovered.
Compared with whole life insurance, which increased its capital withdrawal rate in 1956, whole life insurance's capital withdrawal rate is very fast.
The cash value of the policy was extended to 65,438+0,265,438+0.8 million, which was obtained by Wang Can Sr at the age of 60. If he chooses to surrender, then the money can be used in the follow-up pension life, or for traveling and having fun!
If Lao Wang doesn't surrender, the cash value of the policy can rise to 1, 7 1.3 million yuan at the age of 70, and the income is not bad, with an increase of 3.4 times.
If I still increase the insurance coverage and choose not to surrender, Lao Wang will die at the age of 80, and his family will get 2.399 million yuan.
According to the picture information, whole life insurance's internal rate of return (IRR) fluctuated around 3.3% after he was 60 years old, and his performance was ok.
Third, the summary of the senior sister
Generally speaking, whole life insurance Zhongjinsheng has a good payment period and a low insurance threshold; However, there is still no high coverage, and the increase coefficient of insurance coverage is somewhat slow.
Moreover, the overall income is still ok and the performance is relatively stable. Individuals have their own ideas, and whether it is worth insuring depends on themselves.
As the old saying goes, what suits you is the best! There are also many excellent premium whole life insurance in the market, and it is too late to make an insurance decision after comparative analysis.
Write it at the end
I am an expert in insurance, 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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