If the insured amount is 65,438+10,000 yuan paid in 20 years, plus 65,438+10,000 yuan paid in advance for major diseases, the first year premium paid in 20 years is 4,065,438+00.00 yuan. In order to make this guarantee more comprehensive, add 65438+ 10,000 accidental injuries and 20,000 accidental injuries; Three hospitalization expenses and five hospitalization income guarantees, one * * * premium of 484 1 yuan, and 403 yuan per month is a very suitable insurance combination.
If the insured amount is 65,438+10,000 for 30 years, plus 65,438+10,000 for major diseases in advance, the first year premium paid in 30 years is 2,960.00. In order to make this guarantee more comprehensive, add 65,438+10,000 accidental injuries and 20,000 accidental injuries; Three hospitalization expenses and five hospitalization income guarantees, with monthly premium of 379 1 yuan and 3 16 yuan.
Personally, I think it is better to pay in 20 years. These 20 years are the heyday of your income, and there is no financial pressure to pay premiums. If it is paid in 30 years, there may be payment pressure after 48 years old.
If you pay off the accumulated mid-range bonus after 20 years, your accumulated mid-range bonus will reach12,450 yuan, and when you are 58 years old, your accumulated mid-range bonus will reach 30,490 yuan, which can be used for retirement.
If you are 63 years old (if you don't suffer from serious illness at this age, the probability of suffering from serious illness is very small), and you are still in good health, and you don't have 30 kinds of serious illness stipulated in the insurance contract, if you surrender your insurance, you will get a mid-range bonus of 42,640.00 from the insurance company 698 10.00+, * * that is,120,000 (according to the current peace)
The proposal has been made for you. Please give me your email address.
Or QQ3225 1908, please specify: insurance.
Good luck.