Fosun Prudential Xing Yujia Whole Life Insurance is very popular on the Internet. I heard that the price/performance ratio is very high, and many friends are asking, is its price/performance ratio really that high? Is it really worth buying? We will review it in detail next!

Before the evaluation has officially begun, you may wish to first understand what incremental whole life insurance is:

"What is the significance of incremental whole life insurance that can not only manage finances but also provide protection?" Is it worth buying? 》

1. The protection liability of Fosun Prudential Xingyujia Whole Life Insurance is disclosed!

Let’s first take a look at the protection essence chart of Fosun Prudential Xinxing Yujia Whole Life Insurance:

The senior sister will get straight to the point and provide you with the evaluation conclusion:

At present, the final payment period of Fosun Pramerica Xingyujia whole life insurance can be three years or single payment. Therefore, the corresponding insurance thresholds are relatively different.

Everyone knows that if you choose single payment, the minimum investment threshold is 100,000 yuan; if you choose three years, the minimum investment threshold for Fosun Pramerica Star Yujia Whole Life Insurance is 30,000 yuan.

Compared with many whole life insurances on the market, the insurance threshold of Fosun Pramerica Star Yujia Whole Life Insurance on the market is relatively reasonable.

2. Convertible annuity increases pension supplement

Judging from the product terms of Fosun Prudential Star Yujia Whole Life Insurance, this product has the right to convert the annuity. If the insured After you reach the age of 60 and the policy has been in force for 10 years, you can apply to convert the cash value into a pension by paying the insurance premium in one lump sum, which can be used as a guarantee for your future retirement life.

3. Reduced payment can alleviate the pressure on the insured

Fosun Pramerica Star Yujia whole life insurance can provide many benefits. In addition to being able to convert to an annuity, the insured can also Enjoy policy benefits such as policy loans and reduced payment. If the insured needs money urgently during the coverage period, you can apply for reduced payment.

The insurance company will deduct all arrears from the cash value at the time of application as the one-time net insurance premium (premiums that do not cover the company’s operating expenses, commissions and other expenses), and the insurance amount Recalculation is allowed.

In other words, the basic insured amount will be reduced, but we no longer need to pay premiums, and the insurance contract content is still effective.

This concludes the analysis of the protection liability of Fosun Prudential Xing Yujia Whole Life Insurance!

2. What are the benefits of Fosun Prudential Star Yujia Whole Life Insurance?

The senior student borrowed NT$500,000 from Mr. Li, a 30-year-old man, to pay a lump sum of NT$500,000 for a lifetime guarantee. Let’s see if the returns from Fosun Pramerica Xingyujia Whole Life Insurance are impressive?

According to the income calculation table of Fosun Prudential Xing Yujia Whole Life Insurance, by the time Mr. Li was 34 years old, the cash value was as much as 503,090 yuan, which was already greater than the accumulated premiums paid.

If Mr. Li needs emergency funds at this time, he can rely on a policy loan to obtain a sum of funds for turnover, thus solving the funding problem.

When Mr. Li is 60 years old, the total cash value is 1,296,160 yuan, which can be regarded as Mr. Li’s pension reserve fund, which can be used to improve the quality of pension life or travel if needed in the future.

Once Mr. Li reaches the age of 80, his cash value will be 2,578,855 yuan, which can leave a considerable amount of property to Mr. Li’s descendants.

The space is limited. If you are interested in the income of Fosun Prudential Xing Yujia whole life insurance, you can read the following article:

"The real income of Fosun Prudential Xing Yujia whole life insurance" There is a reason for being exposed and being snapped up! 》

To sum up, Fosun Prudential Xinxing Yujia whole life insurance is very cost-effective. It not only provides comprehensive protection, but also has high returns, making it worth buying.

But senior sister needs to remind everyone to protect themselves first and then consider financial management.

For this reason, my considerate senior sister has summarized this personal insurance configuration plan for everyone, and it doesn’t hurt to save it:

"How to buy insurance at different age groups? Everyone should have an exclusive plan"

Write it at the end

I am a top student in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account Xueba Talk Insurance to consult me;

I will give you the most professional advice based on my years of experience in configuring insurance for 10W+ families.

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