How is whole life insurance's happy life after receiving it?
After happiness, the protection content of the collector's edition is death/total disability, and the amount of insurance money is related to your age when you are out of danger and the payment period.
/kloc-before the age of 0/8, pay a higher premium and cash value; /kloc-after the age of 0/8, within the payment period, the paid premium * the proportion of payment and cash value is larger; /kloc-After the age of 0/8, the payment period ends, and the premium paid * payment ratio, cash value and effective insurance amount will be paid. Among them, the highest payment ratio is 160%. The effective insured amount is increased by 3.5% year by year on the basis of the basic insured amount.
In addition, Happy Forever Collector's Edition also supports insurance policy increase, insurance reduction, insurance reduction and loans, which can meet the needs of fund use in different periods such as children's education funds and fund pension.
Happy since then, the insured age of the collector's edition is from 30 days to 75 years old, and the guarantee period is like life. You can choose to pay by wholesale or by year. The initial premium is 5000 yuan.
Generally speaking, Happy whole life insurance products are better. Of course, you should choose according to your own needs and buy insurance products that suit you. That's all. I hope it helps you.