Hello! With the continuous development of the insurance financing market, universal insurance has become the "new darling" of the market. At present, many insurance companies have launched corresponding universal insurance products, and Happy Life Insurance Company is no exception.
Is the product of PICC health universal insurance good?
The advantage of PICC Health Universal Insurance lies in its stable income and high popularity, but the scope of protection is too narrow for your specific financial security needs. I suggest that you might as well expand the range of choices and compare them comprehensively. In order to improve your insurance efficiency, I suggest you pay attention to the following points before choosing universal insurance:
First, make clear the proportion of payment and choose the product that suits you. The premium of happy life universal life insurance includes three parts: additional premium, dangerous premium and savings premium. For people with a strong sense of risk aversion, they should choose universal life insurance products with a large proportion of premiums; Risk-neutral investors can choose similar product types with a moderate ratio of savings premium to protection premium.
Second, pay attention to comparing payment methods. PICC's national health insurance generally includes wholesale payment and installment payment, and investors with strong financial resources can consider choosing wholesale payment (one-time payment of insurance premium). Because, in the case of installment payment, happy life insurance company will consider the time value and interest rate risk of subsequent payment, which will inevitably increase the future payment amount and increase the investment cost of investors.
Third, pay attention to the way of receiving income. Judging from the universal life insurance products launched by various insurance companies at present, the income collection methods basically include: one-time collection; Annuity collection; It can be converted into endowment insurance when it expires. Investors can choose according to their own specific circumstances. Investors with insufficient income and unstable capital demand often choose to receive it in one lump sum, which is more suitable for young people. When buying people's health universal insurance, we should also pay attention to the way of collecting income and choose the appropriate way according to our actual situation.
Fourth, universal insurance investment accounts, happy life insurance companies generally charge franchise fees and account management fees. Only when the investment income of the account can offset the above expenses can the insured really make money. The insiders suggest that the insured of PICC health universal insurance should ask the agent about the expenses that need to be deducted from the policy account before signing the policy, so as to know how much money is used for investment and gain income. In view of the complexity of universal insurance product design, most agents can't explain this product clearly or cover up the cost items. In this case, customers should ask the insurance company more and sign the bill carefully.
Fifth, choose a formal insurance platform. If you want to buy a suitable universal insurance, you need to choose a formal, professional and reliable insurance platform. It is such an insurance platform that brings together universal insurance products from many insurance companies to provide you with one-stop insurance services. According to your actual situation, we will analyze the universal insurance products of various insurance companies for you and choose the insurance products that really suit you.
Insure a suitable universal insurance, PICC health universal insurance is not necessarily your best insurance choice. You may wish to expand the range of choices and compare them comprehensively, which integrates universal insurance provided by many well-known insurance companies, hoping to provide you with more choices.