The following sister will give you an in-depth evaluation! This article can help you get familiar with Hong Zhong life insurance in advance. Friends who don't know, come and see:
How about Hong Zhong Life Insurance? What products are there and which one is good? In-depth analysis.
1. How about the old-age security for smart babies in Hong Zhong?
Again, if you want to know whether this Hong Zhong smart baby old-age security is good or not, you have to deeply analyze its security content. Come, let's take a look at its product form diagram first:
As for the insurance conditions, this Hong Zhong smart baby old-age security covers the period from the effective date of the contract to the first anniversary of the insurance contract after the insured reaches the age of 35. For the insurance age and payment period, we need to reach an agreement with the insurance company when buying insurance.
Below, I will explain to you the security content of this smart baby old-age security in Hong Zhong ~
1. Survival money: high school education+university education+expiration insurance.
Old-age security can be said to be "both life and death". When the insured survives to the time agreed in the contract, Hong Zhong Smart Baby Pension Insurance will provide the corresponding survival fund according to the treaty, and set up three parts: high school education fund, university education fund and maturity insurance fund.
If the insured survives to the first anniversary of the insurance contract after 15, 16, 17, the insurance company will let the insured have the basic insurance amount of the contract as the high school education fund.
In addition, the first anniversary of the insurance contract after the insured reaches the age of 18, 19, 20, 2 1 is the date of receiving the university education fund. The insured can get a university education fund twice the amount of the basic contract, and the money can also be used for tuition and living expenses at the university.
If the insured survives until the expiration of the insurance period, he can still get a maturity insurance premium, and the specific amount is the basic insurance amount multiplied by 12.
The insured is at the peak at this time, and this money can be used as start-up funds for starting a business in exchange for more opportunities to gain benefits. Of course, you can also buy other wealth management products and wait for interest income.
2. Death payment: death insurance.
If the insured dies unfortunately during the insurance period, the insurance company will pay the corresponding death insurance money. The specific amount of the death insurance premium is the greater of the contract cash value and 160%/ 100% of the premium paid.
If the insured is under the age of 18 at the time of death, the death insurance premium shall be obtained according to the greater of the contract cash value and 100% of the premium paid; If the insured is over 18 years old (inclusive) at the time of death, the death insurance premium paid by the insurance company shall be the greater of the contract cash value and the insurance premium paid by 160%.
Moreover, this Hong Zhong smart baby old-age security also includes a variety of policy rights, such as increasing the insured amount, reducing the payment amount, insurance contract loans, etc., not to mention the senior. For details, please click on the following article:
Is Hong Zhong Smart Baby Pension Insurance Worth Buying? The key depends on these points! 》
2. Endowment insurance, Hong Zhong smart baby, do you suggest starting?
Old-age security, Hong Zhong Smart Baby, includes not only death insurance and expiration insurance, but also the responsibility of high school education and university education, which is great.
Moreover, this product can also support the increase of basic insurance protection in the later period, and it is also more humanized. In this way, the small partners can adjust the strength of protection at any time according to their actual needs, so that the protection plan is more suitable for the actual situation of the insured.
However, there is another note. Although endowment assurance can live and die, its performance in terms of income is not so good.
So in general, the guarantee of this product is still relatively good, but the cost performance is not high.
For friends who are looking for more comprehensive and practical insurance, Senior Sister still suggests comparing other products. Senior sister sorted out a lot of value for money, to ensure a solid whole life insurance. You can choose the best one here:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!