Product characteristics
Expert financial management, more wealth appreciation-the investment account is operated by the expert team of PICC assets, providing you with long-term stable investment income and realizing long-term wealth appreciation.
Nursing security, medical care-during the insurance period, the insured will pay nursing insurance money according to the sum of the account value and the basic insurance amount after disability.
Death protection and travel protection-the insurance premium for ordinary death (illness and accident) is the sum of the account value and the basic insurance amount; The insurance premium for accidental death of ships, buses and automobiles is the sum of the basic insurance amount ×2 and the account value; The insurance premium for accidental death of trains (including high-speed rail, light rail and subway) is the sum of the basic insured amount ×3 and the account value; The insurance premium for aviation accidental death is the sum of the basic insured amount ×4 and the account value.
Continuous bonus, surprise gift-continuous payment for four years, starting from the fifth policy year, 2% of the current premium will directly enter the account as a continuous bonus to participate in compound interest accumulation.
Guaranteed income, transparent account-the minimum guaranteed annual interest rate is 2.5%, compound interest, and you can also enjoy excess investment income. You can publish the account settlement interest rate every month (which can be found in official website), and earn interest every day to help your account value increase rapidly.
Daily needs, convenient withdrawal-after the contract expires 10 day hesitation period, you can partially withdraw the personal account value for emergency use. In the first three years, you don't charge a handling fee for the part that doesn't exceed 30% of the account value every year. In the first three years, you charge a handling fee of 5%, 3% and 2% respectively for the excess part, and no handling fee will be charged from the fourth year.
Adjustable insurance amount-there is an opportunity to change the insurance amount once a year after the contract comes into effect, which can be increased or decreased according to the actual situation.
The premium can be adjusted-the premium can be added at any time, and the payment can be postponed when the economy is in trouble, and the policy is still valid.
Optional additional insurance "Fukuzawa's Life and Personal critical illness insurance" function.
Adjustable coverage-same as the main insurance.
Care for major diseases-the lowest risk cost per thousand yuan per month is less than 20 cents (0 years old), and the highest risk cost is less than 5 yuan dollars (75 years old). At the same time, the main insurance and its additional accident insurance will continue to be effective after the supplementary insurance pays the critical illness insurance premium (the insured amount of the main insurance and its additional accident insurance will be reduced by an equal amount, and the main insurance contract will be terminated when the insured amount of the main insurance contract is reduced to zero).
Insurance term and insurance clauses
Age of insurance: All healthy people aged from 28 days to 60 can be insured.
Insurance period: to 75 years old
Payment methods and tips: annual payment, installment payment and additional insurance premium. Prepaid premium is divided into basic premium and additional insurance-the basic premium shall not be higher than 20% of the basic insurance amount and shall not be higher than 6000 yuan, and the additional insurance is the part higher than the basic premium. Additional premium-not less than 1000 yuan each time, and an integer multiple of 100 (to increase the account value).
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.