★ Customers also have the right to convert into pension annuity after 66 years old.
For example, at the age of 30, Mr. Wang bought "Life-long Serious Illness Insurance for Healthy Fuxing", with a coverage of 65,438+million and an annual payment of 4,860 yuan. After the policy expires for 20 years, the insurance benefits are as follows:
(1) The health account is 1.6 million yuan, and its calculation method is: 1.0 million yuan ×( 1+ 3%×20 years) = 1.6 million yuan.
If you have one of the 33 major diseases at this time, once you are confirmed to be within the scope of policy protection, you can get the critical illness insurance Fund of 6.5438+0.6 million yuan;
(2) The value account is 6.5438+0.2 million yuan, and its calculation method is: 6.5438+0.0 million yuan × (654.38+0+654.38+0% × 20 years) = 6.5438+0.2 million yuan.
If you die of illness (out-of-contract illness) or accident, you can get death insurance money of 6.5438+0.2 million yuan;
(3) If you live a healthy life, you can also convert all or part of the corresponding cash value into an old-age pension after reaching the age of 66.