Many netizens said that they don't have enough money to raise children, and some said that even if they have money to raise children now, when they have more children, they are prone to property inheritance disputes when they grow up!
People who know insurance will say, why not buy a whole life insurance? They are not afraid of the problems now or the worries in the future.
As it happens, Taikang Life Insurance Company has newly launched this new product, Tianfu Whole Life Insurance, which can ensure that you are working hard to earn money to support your family at present, and can also deal with the problem of property division after your death.
1. What aspects of whole life insurance Tianfu can attract buyers?
Let's take a look at Tianfu whole life insurance's security pattern map:
From the above protection chart, it can be reflected that as a life insurance, Niantianfu is comprehensive.
Its guarantee period is lifelong, and there will be no anxiety like term life insurance-what if it dies after the guarantee period? Once you buy whole life insurance, no matter when you die in your life, the beneficiary will get the insurance money provided by the insurance company.
Tianfu life insurance has done well in many places. Let's study it with senior sister. What other places are better:
1, the payment period is flexible and optional.
There are many options for the payment period of Tianfu whole life insurance, which can be paid in one lump sum or in three, five, 10 or 20 years. It is very convenient for the insurer to choose the appropriate payment period according to the family economic conditions, which is beyond the customer's consideration.
If you don't know what kind of payment period is suitable for your own economic situation, it is better to use the key points of payment period selection summarized by seniors as a reference point to understand:
What should I pay attention to when choosing the payment period? 》
2. Beneficiaries may designate
Unless there is an accident, the beneficiary of the insurance shall be determined by the insured himself. Designated beneficiary means that I give the insurance money to the person I designate, and the amount of insurance money is determined by the insured himself.
If whole life insurance is purchased, the insured can designate the beneficiary himself.
Because each member has his own understanding ability and economic situation, in order to win more insurance rights and interests, even at the expense of causing disputes and hurting family ties.
So if the designated beneficiary gets the insurance money, there will be no family disputes. In addition, this insurance can stipulate that beneficiaries can also enjoy these benefits:
How to designate the insurance beneficiary? 》
3, with death/high disability insurance.
This kind of death protection responsibility is a guarantee that can not be ignored in life insurance. In addition to death protection, Tianfu whole life insurance also has high disability protection.
High disability is a disability that is lighter than total disability, and the threshold for compensation is allowed to be lowered. After all, if it is total disability protection, the claim requirements are only high and low.
In addition, whole life insurance's death/high disability insurance compensation method is also very good. Compared with the cash value, the premium paid is what he 18 needs to pay.
Tianfu Life Insurance was the largest of the three when it was out of danger at the age of 65, that is, the amount of compensation, the cash value or the corresponding proportion of premium paid. After the insured reaches the age of 65,438+08, if the paid premium is paid. The compensation ratio is very high, which can reach 1.6 times. There is only one small premise, that is, as long as you are under 40 years old.
If it is an effective insurance amount, the effective insurance amount is 65438 per year+0.035 times of the effective insurance amount of the previous year. If the death time is longer, the insured amount may be more.
4. Other rights and interests are real.
At the age of 20, Tianfu whole life insurance also attached the rights of policy loan, reduction of insurance amount and annuity conversion.
If you are suddenly in a hurry to use money after insuring whole life insurance, you can mortgage the policy to the insurance company and apply for a certain proportion of capital loan from the policy to solve the problem of capital turnover in the short term;
If the economic budget is relatively small, it becomes a difficult problem to pay the premium, but if you want to get this guarantee all the time, you can lower the quota, thus reducing the annual premium expenditure.
Moreover, the insured is eager to have a high-quality old-age life, which can be converted into an annuity according to a certain proportion of the cash value of the policy to protect his old-age life and receive part of the funds for old-age care on time.
However, this year's Tianfu Quanshou does have some flaws. Let's see:
1, long waiting period
Whole life insurance Tianfu's 65-year-old waiting period is 438+080 days. Compared with the same type of insurance products, its waiting period is really not short or outstanding, and it does not bring much convenience to the insured.
Under normal circumstances, if the insurance company has the right to refuse to perform the guarantee responsibility during the waiting period, the shorter the waiting period, the better, and the insured can enjoy the guarantee as soon as possible.
Whole life insurance of Taikang Life Insurance has a high acceptance of this small defect. In short, this product provides lifelong protection and solves the problem of wealth inheritance after insurance. In addition, in order to ensure the quality of life in old age, we must ensure the support of annuity conversion rights; Moreover, when the insured has an emergency, he can apply for policy loans and health insurance to solve the urgent need. Very thoughtful, obvious advantages, very suitable for people who value personal protection and wealth inheritance.
Second, the role of whole life insurance is so great that you don't know it!
Probably after seeing this, some people will criticize it. There are various methods of inheritance, such as inheritance law, will, trust and so on.
Is there anything worth recommending by senior sister in whole life insurance?
1, simple
Lifelong inheritance is really not difficult to operate, unlike wills that have strict requirements on format and notarization;
Whole life insurance's conclusion is relatively simple. Compared with the trust, the starting price of the general trust is 6.5438+million yuan, but whole life insurance does not stipulate these contents;
When buying whole life insurance, you only need to confirm that there is no problem with the insurance contract. If there is no problem with the contract, confirm the insured amount again, and finally fill in the applicant, insured and beneficiary of the policy.
2, certainty
Whole life insurance decided on the amount of insurance. However, due to the effective amount of insurance, it can expose the leverage effect of insurance and increase wealth.
Secondly, whole life insurance, for example, can designate beneficiaries. If the insured dies or is disabled, the beneficiary can get insurance money from the insurance company as property compensation to avoid property inheritance disputes.
3. Safety and economy
Whole life insurance has the function of guarantee because of the existence of leverage.
All the economic sources in the family depend on the insured to make money. If an accident happens unfortunately, the premium paid before this time will be more valuable, and it will increase to several times or even hundreds of times, so that families can survive the disaster of losing their economic pillars.
Whole life insurance itself has the function of saving, which is very good.
In fact, Tianfu whole life insurance is a good example. If you bought this product earlier, and the insured died decades later, the compensation paid by the insurance company to the beneficiary at that time may be the effective insured amount or cash value of the policy, and the value has doubled with the passage of time.
Generally speaking, this kind of whole life insurance has a very powerful function of protection and inheritance. Whether you need to buy whole life insurance depends on your financial situation.
To tell the truth, the premium in whole life insurance will be more expensive than term life insurance. If the budget is not enough, then from the perspective of security, the selected term life insurance should have high security.
Suppose life insurance just meets your needs, but unfortunately the economy is under pressure. Senior sister has selected several cost-effective term life insurance for you to choose from:
Top Ten Life Insurance Rankings Worth Buying! 》
Write it at the end
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