Before reading the text, we might as well compare the luxurious Guardian E life insurance with the more popular life insurance products on the market to find out what it is:
"Super complete! Domestic popular life insurance comparison table "
1.E's luxury guardian life insurance performance?
As usual, first go to whole life insurance's product protection chart guarded by this luxury product:
Senior tells you the key points directly, so let's take a good look at the highlights of luxury guarding E's life insurance:
1, with a wide insurance age
Whole life insurance, the home of luxury goods, can cover people aged 65,438+08 ~ 70, which is quite extensive. This also shows that no matter you are a young man of 18 years old or an elderly person under 70 years old, as long as you can fully meet the underwriting conditions, everyone can apply for insurance.
Compared with many products with the highest insurance age of 60 and 65 on the market, whole life insurance, a luxury product, is more friendly to the elderly, which is equivalent to giving this group an extra insurance opportunity, which is not bad.
2. Flexible choice of payment term
Whole life insurance, the guardian of E-home, has set five payment periods, namely, wholesale payment, 5 years, 10 years, 20 years and 30 years. If you are rich, you can choose wholesale payment. If you don't have enough money now, you can pay it off in up to 30 years. The longer the payment period, the lower the annual premium.
The payment period of whole life insurance, the guardian of E-home, is well thought out and can be set according to our own needs. Flexibly choose the payment period that suits you.
Suppose a friend doesn't know how to mix wine, you can look at this simple popular science article:
What do you mean by wholesale? What are the benefits? 》
3. Short waiting time
The waiting period can be regarded as the insurance observation period. If danger occurs during this period, the insurance company has no obligation to pay claims, mainly to prevent some people from maliciously defrauding insurance. Therefore, the shorter the waiting period, the faster we can get protection, which will be more beneficial to consumers.
The waiting period of this luxury guardian E-home whole life insurance is 90 days, which has reached the best level in the market. Compared with many products with a waiting period of 180 days, the luxury Guardian E-Family Life Insurance has indeed brought considerable sincerity, which can greatly reduce claims disputes.
4. Other rights and interests are intimate.
Whole life insurance, the guardian of E's luxury goods, has many special rights, including insurance reduction, loss reduction and policy loans. For example, if we can't pay the premium due to economic reasons during the payment period, we can pay it off by reducing the amount. To put it bluntly, it is to reduce the insured amount and help you pay the premium automatically from the existing cash value of the policy.
In addition, friends can flexibly get a sum of cash from the insurance company by exercising insurance reduction or policy loans to solve the current urgent needs.
2. What is the income of whole life insurance, the luxury guardian of E?
Senior still uses 30-year-old Lao Wang, who pays 5350 yuan in premium every year for 30 years, and the insured amount is 500,000. The following are the specific calculation results:
As can be seen from the figure, by the 30th year of the policy, when Lao Wang was 60 years old, the cash value had reached180,500 yuan, which was equivalent to 20,000 yuan more than the premium paid, so Lao Wang's principal had been returned.
At the age of 80, the cash value has soared to 335 150 yuan, which is twice the insurance premium. If we choose to surrender at this moment, this money can well protect our old-age life.
Generally speaking, there are many advantages to protect E-home whole life insurance. In addition to covering the bright spots of caring rights such as wide insurance age, flexible choice of payment period and short waiting period, the income is also very stable, and it is a very good product. If you want to get insurance in the near future, get insurance quickly!
Of course, if you are not satisfied with this product, you can also look at this "high quality" life insurance ranking:
Top Ten Life Insurance Rankings Worth Buying! 》
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