Want to know the comparison between Barley 2022 and current life insurance products, you can look at this life insurance product comparison table:
"Super complete! Domestic popular life insurance comparison table "
According to the previous rules, let's take a look at the product diagram of osmanthus barley 2022 term life insurance:
Luxury barley 2022 periodic critical illness insurance
In terms of insurance conditions and guarantee contents, osmanthus barley 2022 term life insurance still maintains the characteristics of osmanthus barley life-long fixed series:
1, covering a wide range of occupations.
Different occupations bear different risks, for example, the potential personal injury risk of military and police occupations will be relatively greater.
Therefore, life insurance products closely related to life and health are theoretically aimed at limiting the insured's occupation.
At present, many life insurance products on the market allow employees in 1-4 occupations to be insured, while in 2022, the coverage of term life insurance is 1-6 occupations, allowing the deployment of military and police personnel, and the coverage of occupational categories is very wide.
People will inevitably change jobs several times in their lives. In other words, the insured life insurance products cover a wider range of occupations, which can reduce the probability of policy disputes after the insured.
2. Flexible payment period
In 2022, luxury barley term life insurance provides various payment methods such as monthly payment, quarterly payment, semi-annual payment and annual payment. At the same time, it also provides wholesale payment (one-time payment) and five-year/10 /20 /30-year payment, covering the insured's 60/65/70 years old, and so on.
This can help the insured reduce a lot of payment pressure, then the insured can do high-level insurance with peace of mind and have sufficient protection.
As can be seen from the following figure, if you are insured until you are 60 years old and choose the payment period to be 60 years old, then you can buy an insurance amount of 6,543.8+0,000 yuan by paying an average of several hundred yuan a year. If the insured chooses to pay monthly or quarterly, the annual payment pressure will be lighter.
However, senior sister should remind everyone that the longest payment period is not the best, because the longer the installment period, the higher the total premium to be paid. If you don't know how to choose the most cost-effective and appropriate payment period, you can read the following article:
"How to choose the payment period so as not to lose money? 》
Excerpted from luxury barley term life insurance rate table in 2022.
3. Short waiting time
Waiting period, also known as insurance observation period, aims to avoid adverse selection of the insured. Therefore, during the waiting period, only the insured is out of danger due to accidental injury (excluding sudden death), otherwise, the insurance company will not perform the liability for compensation, and only refund the guarantee fee actually delivered by the insured.
The waiting period of life insurance products in the market can be divided into 90 days and 180 days. The waiting period of luxury barley 2022 is 90 days, which has obvious advantages compared with those life insurance products with the waiting period of 180 days on the market.
4. There are few exemption clauses.
If the accident involves an exemption clause, the insurance company does not need to bear the insurance liability. Therefore, the less the exemption clause is for the insured, the more comprehensive the protection will be.
Luxury barley 2022 term life insurance has only the following three exemption clauses, which is actually the life insurance product with the least exemption clauses.
1. The applicant intentionally kills or intentionally hurts the insured; 2. The insured intentionally commits a crime or resists criminal compulsory measures taken according to law; 3. The insured commits suicide within two years from the date of the establishment of this contract or the resumption of the effectiveness of this contract, unless he is a person without civil capacity at the time of suicide.
The exemption clauses of most life insurance products will also include "the insured drives after drinking, drives without a valid driver's license, or drives a motor vehicle without a valid driver's license".
Although illegal driving and illegal driving of motor vehicles are absolutely not allowed, as far as the protection content is concerned, one less exemption clause means one more protection, and the protection content of luxury barley 2022 term life insurance is quite competitive in the market.
On the whole, Barley 2022 is quite cost-effective, with comprehensive guarantee, short waiting period and few exemption clauses, so it is worth buying.
If you want to know more about the term life insurance of Luxury Barley 2022, you can learn about it through the following article:
Top ten wealth management products worth buying in 2022! 》
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