So is this product dominant? Is it worth insuring? Sister Xue will explain it to you next.
Before the article begins, friends who are unfamiliar with universal insurance can come to science first:
"Using universal insurance to manage money, the income is stable and safe? Universal insurance from the beginning! 》
1. How did whole life insurance (Universal) of Xintai Life Insurance Ruyixin (Premium Edition) perform?
As usual, senior first shows the safeguard map of Xintai Ruyi Xin (Xianghui Edition) whole life insurance (Universal Type):
1, analysis of insurance conditions
Only in terms of guarantee period, Xintai Ruyixin (Xianghui Edition) whole life insurance (universal type) currently belongs to whole life insurance, and only has the option of "lifetime guarantee".
Secondly, the insurance age range of Xintai Ruyi Heart (Xianghui Edition) whole life insurance (universal type) is from 28 days after birth to 70 years old, which can cover people of all ages.
As for the information about payment methods, Xintai Ruyixin (Xianghui Edition) whole life insurance (Universal Type) now has an additional insurance premium in addition to one-time payment, which helps consumers to make financial planning according to their own economic changes to some extent.
Finally, the exemption clause refers to the situation that the insurance company does not bear the insurance liability, but Xintai Ruyi Letter (Xianghui Edition) whole life insurance (Universal) * * * has seven exemption clauses.
Compared with similar products with only 3 or 4 exemption clauses, this product is not in line with the actual situation.
2. Security content analysis
In the protection of this piece, Xintai Ruyi Xin (Xianghui Edition) whole life insurance (Universal Type) has set up death insurance, which is relatively simple; In addition, there are two cash value interests.
It should be noted that the death insurance of this product cannot be separated from the universal account.
Xintai Ruyixin (Xianghui Edition) whole life insurance (Universal) stipulates that if the insured dies, the insurance company will compensate the beneficiary according to the insurance amount in the contract at the time of his death.
The insurance amount depends on the greater of the personal account value and the basic insurance amount multiplied by the corresponding proportion.
In short, the income in the universal account has a direct impact on the payment of death insurance.
Since the guaranteed interest rate of the universal account means that the account will increase in value at least according to the interest rate, which effectively guarantees the minimum income, the senior sister focuses on explaining the guaranteed interest rate for everyone.
It is not difficult to know from the whole life insurance (universal) clause of Xintai Ruyixin (exclusive edition) that the guaranteed interest rate of its universal account is not low, reaching 3%.
It should be understood that there are a large number of universal whole life insurance in the market, and the guaranteed interest rate is not high, only 2.5%. Comparatively speaking, the advantages of this product are more obvious.
Limited by space, Senior Sister demonstrated the benefits of this product in another evaluation. If you want to know more, you can poke it:
Is whole life insurance (Universal) worth buying? Deep analysis! 》
2. Is whole life insurance (universal) of Xintai Life Insurance Ruyixin (exclusive edition) worth insuring?
To sum up, the insurance conditions of Xintai Ruyixin (Xianghui Edition) whole life insurance (universal) have both characteristics and shortcomings, such as a wide range of insurance age and more exemption clauses; However, the highlight of the guarantee content is that the guarantee interest rate of the universal account is 3%, and the overall performance is outstanding.
However, there are all kinds of bright products on the market. Friends who are interested in buying whole life insurance had better compare several products before making a decision.
If you want to manage your finances through whole life insurance, Senior Sister recommends Hongkang Happiness ever after 2.0 to increase whole life insurance, and the income is very considerable:
"Hongkang Life Insurance 2.0 increased the happiness after whole life insurance. Come and have a look! 》
Write it at the end
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