Annual premium is 5,000 yuan, continuous premium 15 years, and accumulated premium is 75,000 yuan. The insurance period of worry-free exemptions B and C is 15 years.
At the time of insurance, the basic coverage of the main insurance is 65,438+10,000 yuan, and the basic coverage of major diseases is 80,000 yuan; It is planned that when Xiaoming is 60 years old, the basic insurance for additional serious illness and the amount of basic insurance will be reduced to 6,543,800 yuan.
It is planned that when Xiaoming 15, 16 and 17 years old, he will receive 4,000 yuan as a senior high school education fund every year.
It is planned that when Xiaoming is 65,438+08,65,438+09,20,265,438+0 years old, he will receive 65,438+02,000 yuan as a university education grant every year.
So what is the comprehensive welfare that Xiao Mingcan enjoys?
Benefits 1. A policy, comprehensive protection.
When Xiaoming 18 years old, the basic coverage of the main insurance of Wisdom Star was increased to 200,000, and the basic coverage of the additional critical illness insurance was increased to180,000, which enhanced the protection.
When Xiaoming was 60 years old, the basic coverage of the main insurance and additional critical illness insurance of Wisdom Star was reduced to 6,543,800 yuan, and he fully enjoyed the investment appreciation.
If you choose worry-free accidents again, you can get at least 50,000 accident insurance money and accident injury medical insurance money if you are disabled or die due to accidents.
During the payment period, if you are seriously ill, you can waive the premiums in subsequent periods, and your interests will not be affected.
Benefit 2: an investment and steady appreciation.
The guaranteed annual interest rate of Wisdom Star is 1.75%, but through the operation of Ping An professional financial management team, customers may get higher income.
The initial cost is low, accounting for only 5% above 5000 yuan.
The premiums paid by customers enter the policy with more value and accumulate faster. Steady appreciation
Benefit 3: size exemption is more humane.
This plan is also Ping An's first main insurance that can be exempted for both the insured and the insured. If the insured dies, suffers from disability or serious illness as agreed in the contract, or the child suffers from serious illness as agreed in the contract, the insurance company will pay the remaining premium within a certain period of time to ensure that the plan is realized and the promise of love will never change.
Benefit 4: Educate the elderly and feel at ease.
15, 16, 17 years old can receive 4000 yuan every year as a high school education fund.
18, 19, 20, 2 1 year-old can receive 12000 yuan as a university education fund every year.
If you don't get it, by the age of 60, the accumulated policy value has reached more than 400,000 yuan (calculated at the medium settlement interest rate), which can be used as a retirement pension.
Benefit 5: Some collections are multifaceted.
Wisdom Star reserves special funds for education, entrepreneurship and marriage for Ming. The account value can be collected at any time, which is free and convenient, making his fund operation more flexible. 15, 16, 17 years old will receive 4000 yuan as high school education fund, 18, 19, 20, 2 1 year old will receive 12000 yuan as university education. At other important stages of life, Xiao Mingcan keeps it away at any time to solve urgent needs.
Benefit 6: Flexible payment to relieve stress.
If the customer can't pay the premium on time, he can apply for an extension of the premium payment, which can generally be extended for 2 years, which greatly reduces the payment pressure of the customer; If the customer has the funds, he can also add the premium, and the additional premium can also enjoy the universal settlement interest rate, with monthly compound interest and no upper limit.
China Ping An Insurance Marketer: Tu.
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