(1) provides lifetime guarantee.
(2) provide lifelong protection with appropriate insurance fees. Lifelong payment makes the annual balanced premium lower, which is suitable for middle-income people to buy.
(3) Pay the surrender premium when the policy is invalid. Within 1 to 3 years after the insurance policy comes into effect, the surrender money is generally not paid, because the insurance company pays the agent's commission and other expenses when issuing the insurance policy. But when the final age of the life table is 100, the cash value of the policy is equal to the insurance.
Amount, if the insured lives to 100 years old, he can still get insurance money. If a person is insured by ordinary whole life insurance at the age of 35, the policy can also be regarded as a 65-year old-age security policy.
(4) flexibility. The terms of an ordinary whole life insurance policy allow the policy to be converted into a policy with reduced premium. Policy holders can also take the cash value of ordinary whole life insurance policies as a one-time premium, and convert them into term life insurance policies, or convert them into annuity policies when they retire.
Bababao has a one-to-one insurance "customized plan" to customize personalized plans for users in need, and tailor the optimal configuration plan according to the actual needs of users and their own economic situation to maximize the use of users' funds.