If you haven't figured out how to increase whole life insurance's insurance coverage, you may wish to click this popular science article:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
1. What are the advantages and disadvantages of the new royal family whole life insurance Fosun Prudential?
According to the product selection, the seniors compiled a simple product protection map. Let's see:
Senior also don't bullshit, directly on the dry goods:
& gt& gt advantage
1, and the amount insured increases the compound interest coefficient.
In the contract of Fosun Prudential's new royal family, whole life insurance, it is written in black and white that the insured amount will increase with compound interest of 3.5% every year.
The amount of insurance, in layman's terms, is the amount of protection, which is closely related to protection. If the insured amount can be continuously increased, it means that when an insurance accident occurs, the insured will get more compensation and better protection, which not only makes the product more flexible, but also enhances the protection. Very good!
2, high product flexibility
The main reason why whole life insurance is favored by the public is that its acquisition method is very flexible. After the insured buys insurance, the transfer of funds is very convenient, and the funds can be better allocated flexibly.
So how to give full play to the flexibility of products? Take advantage of the increase and decrease functions of Fosun Prudential and Emerging Royal whole life insurance;
Reduction of insurance: it can be seen as an adjustment of the insured amount and the guaranteed amount. On the one hand, it is necessary to ensure that the insured amount is reduced, on the other hand, it is necessary to ensure that the insured amount is reduced and withdraw some funds, so as to ensure that the policy will not expire while flexibly mobilizing funds.
Additional insurance: that is, by paying part of the premium to increase the insured amount, scientific practice has proved that it is beneficial to improve the subsequent income of the product.
In addition, Fosun Baode Xinxing Yu Jia whole life insurance also supports the policy loan function. If the insured needs to solve the cash flow problem urgently, he can use the policy to make a loan, with the maximum loan amount of 80% and the longest term of 180 days!
Such as insurance/insurance, policy loan, etc. It's all insurance clauses. If we don't know them, it will be very bad for us. Careful seniors have completely compiled a popular science article, so you may wish to expand your reading:
"Super complete! Everything you want to know about insurance is here.
3. Loose occupational restrictions
Insurance companies generally distinguish between occupations. 1-7 occupations, 1 has the lowest risk and 7 has the highest risk.
Take 5-7 occupational groups as examples, such as miners, blasting workers and aerial work. Because of the high frequency of outdoor occupational operations and the high risk factor.
Only Fosun Baode believes in whole life insurance and allows 1-7 occupational groups to take out insurance. There are no strict professional restrictions, and the friendliness is very high!
& gt& gt disadvantage
1, high startup threshold
The protection map tells us that Fosun Prudential's emerging royal family life insurance starts at a minimum of 6,543,800 yuan, which is not very friendly compared with people who are nervous at hand, and the threshold is relatively high, which is more suitable for high-net-worth people to choose.
2. The insurance age is narrow.
The insurance age of Fosun Baode Xinxing Yu Jia whole life insurance is 0-60 years old. Compared with similar products, it is very unfriendly to middle-aged and elderly people.
There are many clauses in whole life insurance that allow people over 70 to take out insurance. After comparison, it is found that Fosun Prudential's emerging royal life insurance is slightly inferior.
Then, in terms of increasing the amount of whole life insurance, a kind of insurance with financial management function, we still pay more attention to its income. Next, the school sister will explain it to everyone!
2. What is the income of Fosun Prudential's new royal family whole life insurance?
Take 30-year-old Beckham as an example. Looking for insurance in the whole life insurance, Fosun Prudential's emerging royal family has sex for 500,000 at a time. Let's look at the income:
First of all, senior sister will tell you what the cash value of the policy is:
The cash value of a policy is the amount that can be recovered when it is surrendered, which is generally called "current price". Because the cash value of the insurance policy in whole life insurance is increasing at a very fast speed, the insured can ask for surrender later to obtain this part of the funds, so as to obtain income; Or choose to reduce insurance, get some cash value and realize the flexible allocation of funds.
As shown in the figure, in the fourth year of the policy, its cash value has reached 503,000 yuan, which is 500,000 yuan more than the premium paid. The return speed is very fast, and it is still very satisfactory!
If we wait until the 30th policy year, that is, when Beckham is 60 years old, the cash value of the policy will reach 654.38+0.296 million yuan, 2.5 times higher. At this time, Beckham can choose to reduce insurance, get some cash value and improve the quality of life of the elderly. It is also possible to choose to surrender, so that you can get 1296000 yuan paid by the insurance company.
When Beckham didn't choose to reduce/surrender, when the 40th policy came, that is, when Beckham was 70 years old, the cash value of the policy had reached 654.38+0.828 million yuan, and the income was very considerable.
Third, the summary of the senior sister
To sum up, Fosun Prudential's whole life insurance products are extremely flexible, and the occupational restrictions are also very relaxed, and the income is of course quite good. Even if there are some flaws, it is still worth buying on the whole!
Intimate seniors have also compiled a list of high-yield whole life insurance. You may want to compare and choose your favorite products:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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