Hello, this friend. Ruyi Zun launched by Xintai Insurance is of course reliable and worth considering. This life insurance is fully functional, which can be used for savings management or bought and passed on to the next generation. In this life insurance market, this Ruyi Zun has great advantages, that is, the so-called "Xintai products must be fine" concept.

Of course, dad played a little joke, and then we'll see if this product is good.

1. What is the increase of whole life insurance? First of all, life insurance is divided into term life insurance and whole life insurance. Term life insurance is to provide the insured with a period of protection. If you don't have insurance when it expires, you will stop and the premium will not be refunded. This kind of life insurance focuses on protection, which can leverage a large amount of insurance with a small premium.

Whole life insurance is divided into whole life insurance with a fixed amount and whole life insurance with an increased amount, which has both the functions of guarantee and wealth inheritance. Fixed whole life insurance means that the insurance amount of life insurance is fixed, no matter when it goes out of danger, how much insurance amount is paid out of danger;

Whole life insurance's insurance coverage will increase, so whole life insurance's increase not only has the function of wealth inheritance, but also has the function of asset isolation.

Do you want to know any good introductions of whole life insurance? Dad recommended it to you: "whole life insurance is still a term life insurance, and dad taught you to choose this way.".

Second, Ruyi Zun product introduction You can first understand the protection content of Ruyi Zun Zengquan Life Insurance:

The content of Ruyi Zun protection can be divided into two parts, namely, death and disability protection and aviation accident protection. Among them, the amount of compensation for death and disability is different according to the payment period and the amount of compensation after the payment period.

Death and total disability during the payment period:/kloc-the highest cash value and premium paid for death before the age of 0/8; /kloc-after 0/8 years old, the cash value of death compensation and the premium paid are multiplied by the corresponding multiple, whichever is the maximum;

18-40 years old: 160%

4 1-60 years old: 140%

Over 60 years old: 120%

If you are completely disabled after the payment period: if you die after 18 years of age, multiply the insured amount, cash value and premium paid by the corresponding multiple, and take the maximum value to compensate;

18-40 years old: 160%

4 1-60 years old: 140%

Over 60 years old: 120%

Aviation accident protection means that you can get basic insurance compensation if you die or are completely disabled by accident while flying. In terms of security function, it is obviously ordinary.

But the focus of Ruyi Zun is not protection, but wealth appreciation function! If you need money during the guarantee period, you can get cash through insurance reduction, policy loan or surrender. How much you get in the end depends on how much the cash value increases when you can see it.

Dad concluded: If you buy Ruyi Zun and an increased whole life insurance, it can also be understood as buying a wealth management product. Ruyi Zun whole life insurance's death insurance coverage will not be very high, and its role is mainly in wealth management. After all, its rate of return is among the highest in whole life insurance. Want to know more about life insurance products, dad can tell you one: "How about whole life insurance, the patron saint of love?" What are the advantages and disadvantages? 》

If its benefits are considered, then the daddy is worth recommending Ruyi Zun. If your main consideration is death insurance, then you can choose other products.

I hope I can help you!

Source: insurance knowledge integration