The latest financial insurance rankings: the financial insurance rankings are coming. Do you have the annuity insurance and increased whole life insurance you want? 》
Insurance rules:
Ping An Shi Sheng Jin Yue Incremental Life Insurance provides protection for people aged 0-75, and people over 70 can also take out insurance.
The payment term is flexible. If the budget is sufficient, you can choose to pay in bulk. If the budget is insufficient, installment payment is more practical.
There are three years, five years, 10 years, 15 years and 20 years to choose from, depending on how individuals choose.
However, if you choose different payment years, the initial investment will be different, and 3/5 years is 10000 yuan; 10 years and above is 6000 yuan.
As the name implies, the guarantee period is a kind of life insurance that can guarantee life.
Guarantee content:
Ping An Shi Sheng Jin Yue Incremental Life Insurance is a whole life insurance whose lifetime effective guarantee is increased by 3.5% fixed compound interest every year.
Therefore, its annual effective coverage rate is x( 1+3.5%) of the previous year.
Let's take a look at the death/total disability insurance of Ping An Shi Sheng Jin Yue incremental life insurance:
/kloc-before the age of 0/8: MAX (paid premium, current price);
18 years old and later: MAX (proportion of premium paid, current price, current annual insurance amount);
The corresponding premium ratio is also related to the age group:
18-40 years old, 1.6 times the premium paid;
4 1-60 years old, 1.4 times the premium paid;
6 1 one year old and above, 0.2 times of the premium paid by 65438+;
It is worth noting that the total disability liability has been added to the incremental life insurance of Ping An Shi Sheng Jin Yue, and the evaluation standard is 1-3 of the new disability standard.
However, Ping An Shi Sheng Jin Yue incremental life insurance is more practical in the design of other incremental services.
Support double insurance, that is, support double insurance settings, such as both parents and children are insured.
If the last insured dies, the policy contract is terminated and the duration of the policy can be extended, so that the policy can be better inherited and the income can be longer.
If you want to change the policy, you can change it to single insured or double insured. Double insured supports deleting any insured.
It is necessary to meet the requirements that the policy has been in effect for 7 years and the payment can be adjusted to single after the expiration of the payment period, and there is no refund.
The above are all the guarantee responsibilities of Ping An Shi Sheng Jin Yue Incremental Life Insurance, and the overall performance is good.