If you want to know their differences, you can poke the link: What's the difference between dividend insurance, universal insurance and increased whole life insurance wealth management insurance? Which is the most cost-effective?
Next, the senior simply evaluates the harmonious Kangfu nursing insurance (universal), and first presents the product form diagram:
As shown in the figure, Harmony Kangfu nursing insurance (universal type) comes with universal account, and the payment ratio of nursing insurance, illness death insurance and health maintenance insurance is related to the value of personal account.
When the premium paid by consumers enters the universal account, it will automatically increase in value at a certain interest rate. Therefore, the harmonious Kangfu nursing insurance with universal account (universal type) has certain financial management function.
It is worth noting that universal accounts have two kinds of interest rates: guaranteed interest rate and settlement interest rate.
The guaranteed interest rate is to guarantee our lowest income, while the settlement interest rate refers to the actual interest rate, and the value is not stable. Therefore, senior sister suggested that everyone should pay attention to ensuring the interest rate when purchasing universal insurance.
Harmonious Kangfu nursing insurance (universal) guarantees interest rate of 2.5%, the best level in the market is 3%, and there is much room for appreciation.
If you want to see more analysis, you can look at this evaluation: I heard that "harmonious Kangfu nursing insurance" is a scarce universal insurance? Is it worth insuring?
If you want to compare other products of the same type, you may wish to know about the annual lifelong care insurance: What should you pay attention to before purchasing the annual lifelong care insurance?
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