This eye-catching product must be that whole life insurance, which Hongkang Life has been promoting, has not run away. Not only has the insured amount increased by 3.8%, but it can basically be returned within 4 years! It also supports rights and interests such as increasing insurance and reducing insurance, reducing payment and policy loans! In addition, 75 years old is the highest insurance age, and the insurance age is relatively broad!

In recent days, my friends who asked my senior about the increase in life expectancy are really super active!

Before it's too late, senior. I'll give you an in-depth evaluation of this Hongkangli whole life insurance to see if it's worth it!

If you don't know much about whole life insurance's increase, you can learn about it through the following article:

Is it worthwhile to start increasing the life span that can be managed and guaranteed?

1. How about Hongkangli's increase in whole life insurance security?

Before it's too late, let's take a look at the product protection map of Hongkangliduo whole life insurance:

As shown in the figure, the increase of Hongkangliduo whole life insurance is increasing year by year according to the annual increase rate of 3.8%, and the key responsibility lies in the protection of death/total disability.

1, death or total disability protection

There are three specific types of death/total disability protection in whole life insurance:

(1)1If a minor under the age of 8 dies or is totally disabled, and the insured meets the requirements, the cash value or accumulated premium shall be whichever is greater;

(2) If the insured has reached the age of 18 and died/was disabled before the payment period expires, the cash value or accumulated premium * payment coefficient will be paid, whichever is greater;

(3) If the insured reaches the age of 18 and dies/is totally disabled after the expiration of the payment period, the present value of payment, effective insurance coverage or accumulated premium * payment coefficient shall be whichever is greater.

From this point of view, the growth rate of Liduoduo in the whole life insurance is quite satisfactory, and it is not particularly prominent in the whole life insurance market, but it can effectively protect the rights and interests of consumers, which is still good.

2. Effective insurance amount

Honglikang Duoduo is a life insurance with an annual increase of 3.8%. Effective guarantee of this product = basic guarantee * (1+3.8%) (policy year-1). We should know that most other increases in the whole life insurance market are around 3.5% or 3.6%, so the increase ratio of Hongkangliduo is really good.

Of course, the increased life span and the high increase ratio are not limited to Hong Er. Dingcheng Life Insurance recently launched the lightning version with an increase of 4%, and I heard that the income is also quite good.

Friends who are interested in this product can browse this evaluation:

Ding Cheng has increased the income calculation of multi-lightning version, and he can earn this number steadily in three years!

3. Insurance conditions

Its insurance age is 30 days to 75 years old, and its insurance age is particularly loose, which can meet the insurance needs of most age groups to a great extent. It can be seen that Hongkangliduo has done a good job in terms of insurance conditions.

Among them, the payment period is long, and batch payment (one-time payment) is provided, which is divided into six payment methods: 3 years, 5 years, 10 years, 15 years and 20 years. The insured can choose the one that suits him according to his own economic situation among various humanized options.

In this way, it is actually very likely that Hongkangli will increase its life span. There is no short board at present.

Second, is it worthwhile for Hong Kangli to increase whole life insurance?

In addition to providing lifelong death/total disability protection, there are also insurance policies, such as increasing insurance, reducing insurance, loans and so on. And flexible liquidity can also be carried out in this insurance, which is also a good point to attract everyone to take out insurance.

If you have enough money to get lifelong death/disability protection, this product is worth a try.

To put it simply, if you know something about life insurance before, you should understand that buying whole life insurance is likely to protect your life. If compared with term life insurance, it will be more stable and safer, but its premium will be higher than term life insurance.

If you can't afford so much money now, but want to have a friend with death/total disability protection, you can choose a term life insurance product with good reputation at present, and it's not too late to buy whole life insurance when the economic level improves.

This is for everyone to quickly understand and choose. Senior introduced several life insurance products with relatively good protection. If you want to know more friends, you may wish to poke in and have a look:

Counting 202 1 Top Ten Life Insurance Rankings with High Cost Performance.

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