Recently, a fan friend asked me in a private letter, which is more worth buying, whole life insurance, the exclusive family of Ying Da Life Insurance, or whole life insurance, the third increase. The following senior sister will take you to evaluate it.
Before the article begins, you can learn the basic insurance knowledge to help you understand:
"Super complete! Everything you want to know about insurance is here.
1. What's the difference between whole life insurance, the privileged family of Ying Da Life, and whole life insurance, the third addition?
Senior don't say too much, directly on the "Ying Da Life Enjoy Family whole life insurance" product map:
After reading the terms, we understand that whole life insurance, an exclusive family, can accept insurance for people under 70. As we all know, the situation of whole life insurance products with such a high bowling limit in the market is relatively rare. After all, most of whole life insurance set the maximum insurance age at 60 or 65.
Therefore, exclusive family whole life insurance products have set a wider insurance age range, which can make more and more people have the ability to enjoy the protection!
And exclusive aristocratic family whole life insurance I * * *, there are five payment cycles, mainly wholesale payment, 3 years, 5 years, 10 years, 20 years. These five payment cycles can meet the needs of people with different budgets to a certain extent, which leads to different premiums in different payment cycles. The shorter the payment period, the more expenses you have to pay each year, and it is easier to give a lot of budget shortfalls.
Moreover, setting the payment period can make it easier for the insured to choose the payment period that suits them!
At the same time, a distinguished family like whole life insurance does not guarantee total disability. At present, there are some excellent whole life insurance products on the market, and their protection covers not only death protection, but also total disability protection. However, this product does not cover total disability protection, but only provides protection for the death of the insured.
In contrast, whole life insurance, a privileged family, will be less competitive in the responsibility of protection!
The following picture shows Kunlun Health Increase No.3 Lifelong Care Insurance Product Plan:
According to the product diagram given by senior sister, it can be seen that the life-long care insurance added with No.3 is actually a combined insurance. Enjoying the annual life-long care insurance has become the main insurance of this insurance, and enjoying the premium-free critical illness insurance is the additional insurance of this product.
Among them, the annual life-long care insurance has covered death insurance and long-term care insurance, and these two guarantees are divided into three situations, all of which are paid according to their own conditions, and the proportion of compensation mainly depends on what circumstances.
The core of additional insurance is to provide you with the protection of premium exemption. If the insured suffers from serious illness, death or total disability agreed in the contract for the first time, and can meet the premium exemption conditions, the insured can completely waive all premiums in the later period, and the policy is still valid.
At the same time, the life-long nursing insurance product plan with No.3 is still a kind of nursing insurance with financial management function, and its insurance coverage is increasing with compound interest of 3.5% every year. Compared with those products of the same type, this product plan can have more benefits for the insured!
If you want to know more about the plan to increase the life-long care insurance product No.3, you can read this article by Senior Sister:
"The planned income of Kunlun Health Increase No.3 lifelong care insurance product is like this ..."
Second, the senior sister suggested
In short, whole life insurance, a distinguished family, still has a good insurance age and payment period, but the total disability protection is lacking, and the protection enjoyed by the insured is not comprehensive enough.
However, the protection responsibilities of the added No.3 life-long care insurance product plan include illness death insurance, long-term care insurance and additional premium exemption protection for policyholders who are seriously ill, dead or totally disabled. Compared with the privileged family like whole life insurance, this product plan can provide the insured with more comprehensive protection and greatly strengthen the insurance system of the insured. You can choose according to your own needs.
If you want to know more about whole life insurance, you can read this article:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
Write it at the end
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