The following sister will give you an in-depth evaluation! Friends who don't know about term life insurance can read this article first:
What is term life insurance? Who is suitable for buying? Everything you want to know is here! 》
1. How about Beijing Cai Jing Nianhua (2022 edition) preferred term life insurance?
Following the usual practice, let's take a look at the protective content map of this product compiled by staying up late:
1, insurance rules
The above picture tells us that this product allows people over the age of 18 and under the age of 60 to be insured.
In terms of warranty period, this product has a rich warranty period. We can choose to guarantee it for 20 years or 30 years. In addition, we can choose to guarantee it until the age of 60/65/70.
Beijing Cai Jing Nianhua (2022 edition) has fewer exemption clauses, only three. Compared with some similar products with five or seven exemption clauses on the market, it has few exemption clauses.
Regarding the payment term, this product covers wholesale delivery and delivery, and the selectivity of delivery is also very high.
We can pay in five years, 10, 20 years, 30 years, 60 years, 65 years or 70 years.
Generally speaking, when other insurance conditions are met, it means that the longer the payment period we choose, the less we need to pay each time, which can alleviate the pressure of premium.
If you don't know how to choose the payment period, you can read this article first:
"How to choose the payment period so as not to lose money? 》
2. Guarantee content
As can be seen from the figure, this product has increased the death/high disability insurance protection, in addition, it also provides two optional protection.
Optional protection 1 increases the protection of sudden death care insurance money; Optional protection 2 provides two kinds of protection, namely, aviation accident death/high disability premium and land traffic accident death/high disability premium.
It is worth noting that the payment amount of death/disability insurance benefits follows the basic insurance amount × health grade payment ratio, mainly covering: the standard body payment ratio is 100%, the preferred body payment ratio is 1 10%, and the advanced body payment ratio is 120%.
To put it bluntly, the division of this health level is actually a health incentive mechanism stipulated by this product. The insured only needs to submit a health assessment report to the insurance company as required. After reviewing the health assessment report, the insurance company will classify the health grade of the insured into "standard body", "excellent body" or "excellent body".
If our evaluation result is excellent, then when we die or are highly disabled, the amount of insurance money we can apply for is 120% of the basic insurance amount.
To learn more about this product, you can read this article:
Is Cai Jing Nianhua (2022 Edition) Optimal Term Life Insurance really that good? Tell you in one article! 》
Second, Cai Jing Nianhua (2022 edition) preferred term life insurance is worth starting with?
After analyzing the above contents, senior sister believes that everyone has a general understanding of this product.
On the whole, Beijing Cai Jing Nianhua (2022 edition) preferred term life insurance is quite cost-effective, with comprehensive coverage, few exemption clauses and multiple optional coverage, which is still worth buying.
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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