The term life insurance market of 20 19 is extremely competitive, and the price record will be refreshed almost every few months.
Just before the end of this year, the latest version of Wutong Insurance Network preferred term life insurance, once again breaking through the "lowest price of term life insurance", with high cost performance, ultra-loose underwriting rules and health notification, which is bound to make more people affordable, and more people can afford it!
Basic product form:
The insurance rules of Zhenai Preferred Term Life Insurance are very flexible, which can meet more people with different needs and situations:
(1) the maximum age of 60 can be insured, and the elderly can still be guaranteed.
② Six kinds of guarantee periods are optional, the longest guarantee period is 80 years old, which perfectly covers the age group with great family responsibilities.
(3) The longest payment is 30 years, and the premium pressure is relatively small.
④ Less restrictions: 1-6 occupations can be applied, and there are only three health instructions.
At the same time, the responsibility for protection is also very simple and clear. In case of death or total disability within the guarantee period, compensation shall be paid according to the insured amount. The maximum insured amount for exemption from medical examination is 3 million, which is enough to meet the demand for high insured amount.
Since the cherished preferred term life insurance is an "ultra-low price" term life insurance, how low is it? Let's take a look at the advantages of cherishing preferred term life insurance for consumers.
Brush the line first to set the living price record, and the rate is better.
The guarantee responsibility of life insurance is relatively simple, therefore, premium has become a major point to measure the cost performance of products. Compared with many popular term life insurance products of "network celebrities", Zhenai Preferred Term Life Insurance has lower premium and better cost performance!
Under the same insurance conditions, no matter whether men or women are insured, no matter whether they are 20 /25/... at any age, cherished and preferred term life insurance has absolute premium advantage.
In addition, cherishing the preferred term life insurance directly gives you a better rate, without any routines and restrictions! What do you mean?
Take Sunshine I Insurance, which once set a new price record, as an example. The rate of this product is related to five dimensions: region, occupation, social security, education and smoking, and it is divided into three grades. The higher the grade, the lower the premium. In other words, if you want to get a better rate, you need to meet a variety of conditions, which is actually not friendly enough for consumers. Although the premium in the table is calculated with the highest level of "health surcharge", it is still 4% more expensive than cherished preferred term life insurance. ...
By comparison, we can see that Cherish Preferred Term Life Insurance is a very conscientious term life insurance product, which not only has a low rate, but also treats 5 and 6 high-risk occupations, smokers and people without social security equally, without unnecessary thresholds and restrictions, and directly gives everyone a more cost-effective price! There is no routine at all!
Second, there are only three kinds of health advice, and fewer diseases are asked, so it is easier to insure.
Seeing that the premium rate of cherished preferred term life insurance is so low, whether it can be insured smoothly has become a concern for everyone. Rest assured, cherishing the preferred term life insurance will never let you down!
Many times, it is one-sided to judge the underwriting threshold of products only by the number of health notifications. Because many products combine multiple queries into one, it seems that the number of queries is less, but the details of the query are more.
There are only three health notices of cherishing preferred term life insurance, which are few among similar products, and the key is that it is easier to insure because there are fewer diseases to inquire about!
Take Optimus Prime III as an example, there are three health notices, and * * * asked about 29 diseases:
Four health warnings marked the life of wheat, and * * * asked about 37 diseases:
Cherish preferred term life insurance only asks 24 diseases, which is the least among several products in the table!
From the health bulletin of cherishing preferred term life insurance, we can draw the following conclusions:
① Pulmonary nodules, chronic kidney disease, mental retardation, Alzheimer's disease, hereditary diseases, limb deformities or disabilities can be directly insured, and hypertension below 160/ 100mmHg does not need to be notified;
2 women can be insured during pregnancy, and this group of people can be directly insured;
③ No requirement for obesity and smoking;
(4) There is no limit on the accumulated insured amount in the past. We will explain this in detail below.
Generally speaking, the health information of cherished and preferred term life insurance is very loose, so it will be easier to insure and more friendly to consumers!
Three, the cumulative amount of insurance is not limited, middle-aged and elderly people can also be insured with a high amount of insurance.
As mentioned at the beginning, the role of term life insurance is to meet the high demand for protection in stages, and to ensure that the scope of protection can cover the expenses of car loans, children's education, old-age care and so on at the age of major family responsibility. How much to buy term life insurance is generally suggested to be measured according to the amount of these hard costs.
However, in order to control risks, insurance companies generally have two restrictions on the insured amount: one is to inquire about the accumulated insured amount in the health notice, and the other is the age limit. Compared with the best-selling products on the market, it will be easier for zhenai to choose the best term life insurance with high insurance coverage!
(1) Cumulative insured amount has not been queried.
In the health notification of term life insurance, it is very common to inquire about the accumulated life insurance coverage of the insured, such as Sunshine No.1 Insurance:
If the insured's accumulated life insurance coverage of other companies is more than 2 million within one year, it cannot be insured.
However, there is no similar inquiry in the health notice of cherishing preferred term life insurance, so it is easier to invest in high-amount insurance!
② Middle-aged and elderly people can enjoy high insurance coverage.
The older the insured, the higher the risk. Generally, the insured is over 40 years old, and the maximum insured amount will be reduced to some extent:
But when it comes to real life, in fact, when you are 40 or 50 years old, it is the golden period of your career and the heavy period of family responsibilities, and the family economic pillar needs full death protection. In addition, it is more and more common for young people to marry late and have children late, and the period of heavy family responsibilities will be postponed. If 40+ is insured with life insurance, the insurable amount is too low, obviously the protection is not enough.
In contrast, cherished preferred term life insurance is much more humanized and can better meet the needs of middle-aged and elderly people: 4 1-50 years old, with a maximum coverage of 2.5 million; 5 1-60 years old, the maximum insured amount is 2 million, which is much higher than similar products.
Let's summarize the people who are suitable for cherishing the preferred term life insurance:
★ Family economic pillar, high mortgage/car loan, great family responsibility, pursuit of the ultimate cost performance, buy!
★ People without social security, buy!
★ People who smoke/are too fat/too thin, buy!
★ If you have already insured other products and want to further increase the insured amount, then buy it!
summary
As a term life insurance product with simple guarantee responsibility and flexible insurance method, Zhen 'ai has a variety of options for optimal guarantee period, with a maximum guarantee of 80 years old and a maximum guarantee of 3 million yuan, which can guarantee adequate life insurance at the important stage of family responsibility. Compared with similar products, Zhenai Preferred has lower premium, lower insurance threshold and less insurance limit. Even in the middle and high age groups, you can still get high security. It is a term life insurance that more people can afford and meet the needs of more people!