Many friends are also asking, is whole life insurance really so cost-effective? Is it really worth buying?
Today, Senior Sister will take a look at whole life insurance, the legend of Hong Kang and Li Hong, and see if it is really that good. Click on the link below to learn the true face of whole life insurance. This is what Hong Kang and Li Hong said:
Is whole life insurance, the legendary Li Hong of Hongkang Life Insurance, worth buying? It turned out to be ... "
1. How about whole life insurance? How much do you have to pay every year?
Senior, let's not talk so much. Send you a picture of whole life insurance's security:
According to this picture, it can be seen that Hong Kang and Li Hong mean that whole life insurance's protection is very simple, mainly to protect the dead and the disabled. The level is equivalent to that of whole life insurance in the market, and it also has policy rights in terms of policy loans.
If a 30-year-old man comes to buy Li Hong and chooses 500,000 insurance coverage and pays it in 20 years, the annual premium is 7,350 yuan, which is also reasonable.
Among them, Li Hong is said to have the following highlights:
1. Flexible insurance settings
First of all, Li Hong's payment period is optional, and consumers can also choose 10 or 20 years to pay. In short, people with different budgets can be insured.
If you are a friend with sufficient budget and are afraid of trouble, you can choose to pay all the premiums at one time, so you don't have to worry about it in the future, and you can enjoy all the protection directly; If you are short of money, you can still choose to pay 10 or 20 years according to your own economic strength, which can reduce a lot of economic pressure.
On the one hand, Li Hong's selection coverage is increasing by 654.38+10,000, with the highest coverage of 1 10,000, and there is a lot of choice space. At this time, consumers can choose the coverage they expect.
2. Convertible annuity
Among all the protection rights handed down by Li Hong, one is the conversion of annuity insurance, that is to say, if you want to use the cash value of your existing policy and receive it in the form of annuity after insurance, you can also convert it.
Then the consumer will have an optional guarantee. It is said that Li Hong is very good both as a guarantee of life insurance and as a flexible use of funds to improve his life.
If you want to know Li Hong's performance, where can you rank in the market? You may want to know the following comparison table:
"Super complete! Domestic popular life insurance comparison table "
Second, it is said that whole life insurance is worth insuring. Can I surrender my insurance flexibly?
From the above analysis of this product, we can draw the conclusion that Li Hong is a good product, with excellent insurance conditions, coverage contents and policy rights.
Of course, in addition to converting it into an annuity, some friends may think, if you want to use the funds inside, is it feasible to choose to surrender later?
This is entirely possible. Next, analyze how much cash value you can have if you surrender. If a 30-year-old man comes to buy Li Hong, the insured amount is 500,000 yuan, and the cash value of the policy is as follows:
It can be seen that in the 30th policy year, Li Hong Legend has set the cash value at 654,380+074 350 yuan, which is 654,380+047 million yuan higher than the premium paid.
In the 40th policy year, the cash value even reached 25 1.600 yuan, which was more than twice the premium paid. At this time, there is nothing wrong with choosing to surrender and using the proceeds in this area in other fields.
On the whole, it is said that whole life insurance is worth buying because of its high cost performance and comprehensive guarantee.
Of course, in addition to the legend of Hongkang and Li Hong, where the neutral price of all life insurance is relatively high, here is a list of life insurance for everyone, all of which are worth buying. Friends in need can refer to:
Top Ten Life Insurance Rankings Worth Buying! 》
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