This product provides sickness death insurance, long-term care insurance and health care insurance, and also provides a universal account with a minimum guaranteed interest rate of 2.5%.
The income of Xinfulai long-term care insurance (universal) is related to the settlement interest rate. The monthly settlement interest rate is uncertain. The insurance company determines the settlement interest rate of last month according to the actual investment situation of the universal account, and the settlement interest rate is not lower than the minimum guaranteed interest rate of the policy account.
Therefore, the income above the guaranteed interest rate is uncertain. The minimum guaranteed interest rate of Xinfulai long-term care insurance (universal) is not very good. The best universal insurance on the market, with a minimum guaranteed interest rate of 3%. Senior sister has compiled some good universal insurance. Interested parties can have a look: ten universal insurance stocks worth buying!
In addition, the guarantee period of Xinfulai long-term care insurance (universal) is only 5 years, and the guarantee time is relatively short, which is not suitable for people who want long-term protection. If you want long-term security, it is better to look at Kunlun Health and whole life insurance. This product is guaranteed for life, with a wide age range and flexible payment period. The effective insured amount will increase with compound interest of 3.5% per year. In addition to illness death insurance and long-term care insurance, it also provides policy loans and the right to reduce the amount of insurance, and the insured can also be exempted from insurance. Generally speaking, it's good. Interested friends can read this article: Is Kunlun Health Plus No.3 plus lifelong care insurance guaranteed? Before you come to a conclusion, read this article.
Knowing this, I suggest you know some basic insurance knowledge before buying insurance. For example, the waiting period is a period of time after the contract comes into effect, during which the insurance company can not pay claims. Therefore, the shorter the waiting time, the better. In addition, paying attention to health notification and exemption clauses may also affect claims. More insurance knowledge can be learned through this article: before buying insurance, you must first understand these key knowledge points!
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