Method 1: See if the product cost performance is outstanding.
When choosing term life insurance, we should pay attention to the product rate. Under the same guarantee, the cheaper the product, the higher the cost performance. The competition of term life insurance in the market is very fierce, and each product is cheaper than other products. Let's take the Sunshine Optimus Prime 7 Collector's Edition as an example:
The guarantee period of Optimus Prime No.7 is very flexible, and it can be guaranteed for 10 /20 /30 years and 60 /65 /70 /80 years. The payment period is also very flexible, and the payment can be made for 60 /65 years/120/30 years.
If you insure a 30-year-old male, the insured amount is 654.38+0 million, and the premium will be paid in 60 years. When he is 60 years old, the annual premium is 654.38+0.302 yuan. Compared with the 2022 version of luxury barley term life insurance on the market, it has no price advantage and is about 20% more expensive.
Method 2: Look at the insurance requirements.
When purchasing regular critical illness insurance, we should also pay attention to the insurance requirements of products, focusing on the health notification requirements of products. For the insured, products with relaxed health requirements are more conducive to insurance. Let's take the Sunshine Optimus Prime 7 Collector's Edition as an example:
This product supports people aged 18-60 to apply for insurance, with relaxed occupational requirements, and can support people aged 1-6 to apply for insurance. There are only three things to know about health, and there are no problems such as hepatitis and pulmonary nodules. In addition, there is no waiting period for this product, and the insured can claim compensation for his death/total disability during the insurance period.
That's all for the question of whether the Sunshine Optimus Prime 7 collector's edition is worth buying. I hope the above content is helpful to you.