Take this opportunity today, senior sister will give you a good evaluation ~
However, before the analysis, Senior Sister suggests that you know about whole life insurance's increase first, so as to understand the following article:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
1. What are the advantages and disadvantages of whole life insurance?
As can be seen from the above figure, the insurance age of Haibaole Manzeng whole life insurance is 30 days to 65 years old, and there are various ways to pay premiums, and the basic liability covers death and total disability.
Next, let's take a look at the advantages and disadvantages of Haibaole's total increase in whole life insurance, including those contents:
1, Haibaole has fully increased the advantages of whole life insurance.
& gt& gt Insurance covers a wide range of ages.
Whole life insurance's insurance age is set at 30 days to 65 years old, and its maximum insurance age is 65 years old.
At present, the highest insurance age for similar products on the market is usually 60 years old, which is five years less than that in whole life insurance where Haibaole is full.
In fact, it means that as long as the insured is over 60 years old, the whole life insurance will refuse to cover many increases in the market, and the whole life insurance of Haibao Leman still has the opportunity to be insured.
After comparison, I think all life insurance people set their ages very well.
The growth coefficient of>& gt insurance coverage is high.
Whole life insurance has set a premium growth factor of 3.80%, which is quite high compared with most similar products on the market.
Because the increase coefficient of most of the increase in whole life insurance is only 3.50%, in contrast, the whole life insurance increase coefficient of the full increase in Haibaole is better.
& gt& gt Flexible addition and subtraction insurance
Whole life insurance has also set up insurance addition and subtraction services, fully considering the interests of consumers.
If you choose to add insurance, the amount of each premium shall not be less than 1000 yuan, and must be an integral multiple of 1000;
If you choose to reduce the insurance, the amount of insurance reduced each year shall not be higher than 20% of the premium paid.
Friends who have strong economic strength and plan to make additional investment can freely choose additional insurance protection within the scope agreed in the terms; However, small partners who are not well-off and urgently need money can also take emergency measures by reducing insurance and withdrawing cash.
Under such circumstances, it is very worthwhile for whole life insurance to support the addition and subtraction of insurance when the total amount of Haibaole is increased!
The increase or decrease of insurance mentioned by senior sister here actually belongs to insurance terminology. Friends who want to know can poke the following:
"Super complete! Everything you want to know about insurance is here.
2. The shortcomings of whole life insurance when Haibaole was full.
The setting of corresponding coefficient of>& gt compensation is unreasonable.
Whole life insurance's compensation coefficient for the full increase of Haibaole is set as follows:
18-40 years old:160%; 4 1-60 years old:140%; 6 1 year and above: 120%.
Maybe you don't understand the compensation coefficient. Tell you about the unreasonable compensation coefficient.
As all women and children know, the most suitable person to buy life insurance is actually the economic pillar of the family, and the protection during this period should be the best.
However, the strongest growth period of whole life insurance Zhonghai Baole is 18-40 years old, which is inconsistent with the reality.
But at present, the compensation coefficient of the same type of products on the market is basically the same. This compensation coefficient setting is not particularly bad, but it is better for the newly upgraded whole life insurance products in the future.
Analysis here, in fact, what everyone wants to know is whether whole life insurance's income is good or not. Let's analyze the income problem that everyone is most concerned about, don't go ~
Second, the comprehensive evaluation of the upgraded version of Leman No.2 whole life insurance is a must-see before insurance!
Let's take a look at the protection map of this product first:
1, with a wide age range.
It can be seen that the insured age range of Leman No.2 whole life insurance is from 28 days after birth to 70 years old, covering a wide range of age groups, which can meet the needs of different age groups.
Like most life insurance products of the same type on the market, the insurance age range is not wide, and the highest insurance age is mostly 55 or 60 years old.
However, this product has raised the upper limit of insurance age to 70, giving the elderly more opportunities to insure, which is still relatively friendly.
2. The guarantee content is comprehensive.
The protection responsibility of whole life insurance No.2 Leman covers death/total disability protection and aviation accident death/total disability protection, and the protection content is relatively comprehensive.
If the insured suffers accidental injury while traveling on a civil airliner as a passenger and meets the compensation requirements, the insurance company will pay an additional 100% of the basic insurance amount as aviation accident death/disability insurance money and give special care.
From this point of view, the cost performance of this product is good. Make a decision if you want to start!
To seize this cost-effective increased whole life insurance product, don't lose the opportunity!
I like different products, and there are several whole life insurance with high cost performance on the market. Poke here to study ~
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say 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!