In addition, if you insure this product, you will not get back the principal in the sixth year after five years of continuous payment unless you say that you are in danger. If you want to get the same or more amount as the principal, you can choose to surrender, and the cash value at the time of surrender shall not be lower than the premium paid.
It is also important to know the guarantee content when purchasing products. Below, the senior sister will evaluate this product. Friends who can't tell whole life insurance from term life insurance can read this article first:
What's the difference between term life insurance and whole life insurance? Senior sister tells you!
Before the evaluation, let's take a look at the protection map of this product:
Below, the senior chooses some key evaluations for everyone.
1, payment period
This product not only provides batch delivery, but also provides delivery in 3/5/ 10/ 15/20 years. It can be seen that its payment methods are quite diverse and flexible.
2. In terms of increasing the proportion of insurance coverage.
Generally speaking, under the same conditions, the higher the premium growth rate in whole life insurance, the higher the final effective premium. The insurance coverage of this product has increased by 3.5%, which is still relatively high compared with the 3.3% increase of similar products in the market.
For those who want to know more about whole life insurance's increase, please read this article: Who is the sacredness of whole life insurance's increase in financial management and security? Is it worth starting with?
3. Safety content.
This product not only provides death protection, but also provides total disability protection. You know, if the insured is unfortunately completely disabled, the economic risk brought to the whole family is not small. After all, the treatment, nursing and daily expenses of the insured after complete disability are not small expenses.
Therefore, Nanshan Pine (Xinxiang Edition) whole life insurance, which also provides total disability protection, has a comprehensive coverage.
Based on the above, the payment methods of this product are more diverse and flexible, and the increasing proportion of insurance coverage is also relatively high. But also provides total disability protection, and the protection content is very comprehensive. So, on the whole, this product is quite good.
Finally, if you want to have a deeper understanding of this product, you can supplement this article: Is the new version of whole life insurance in Nanshan and Song Dynasties really worth buying?
Hope to adopt
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