Can harmony and health be taken out after 5 years?

Whether a harmonious and healthy five-year insurance product can be taken out at maturity depends on how the contract stipulates. At present, there is a harmonious Kangfu nursing insurance (universal) on sale, and the protection period of this nursing insurance is 5 years. In terms of guarantee responsibility, the products provide nursing insurance, illness death insurance and health maintenance insurance. Among them, the health maintenance insurance premium is paid on the condition that the insured still exists at the expiration of the insurance period, and the insurance company will pay 103% of the personal account value. In other words, this harmonious and healthy Kangfu nursing insurance (universal type) can be taken out after the expiration of 5 years, and the insured meets the payment conditions. Senior sister has evaluated this product before. Interested friends may wish to have a look: I heard that "Harmonious Kangfu Nursing Insurance" is a scarce universal insurance? Is it worth insuring?

However, it should be noted that this is universal insurance with a guaranteed interest rate of 2.5%. First of all, this guaranteed interest rate is not very high, because there are already many universal insurance products with a guaranteed interest rate of 3%. Secondly, as a universal insurance, we have to deduct 3% of the initial cost from the premiums paid and added, and then add it to the personal account for appreciation. In addition, insurance companies will regularly collect risk insurance premiums from personal accounts. Therefore, everyone should treat this universal insurance rationally from all aspects. Many friends don't know much about universal insurance. You can read this article: financial management with universal insurance, stable and safe income? Universal insurance from the beginning!

In fact, not everyone is suitable for buying universal insurance. If you haven't fully configured critical illness insurance, millions of medical insurance and accident insurance, senior sister suggests that you don't consider financial insurance/financial insurance for the time being. Friends who don't know what insurance to buy can find ideas from this article: There are so many types of insurance, which one should I buy first?

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