Heng An Standard Life has launched a life and death dual life insurance policy called Golden Fortune Dual Life Insurance (Participating).
It is worth mentioning that this product also enjoys the benefit of policy dividends. There are a lot of partners around, have been coming to consult the school sister whether this product is worth insuring or not.
How does this product perform? I'm going to analyze it for you!
On the level of return on the Goldfrau two whole insurance (participating), the school sister in the following has given you a detailed calculation, interested can look at:
"Hengan standard Goldfrau two whole insurance (participating) return to reveal the big secret! I didn't expect it to be like this ......"
I. What about Heng An Standard Goldfrau Two Whole Life Insurance (Participating Type)? Is the return reliable?
Old rules, directly to look at the Hengan standard Jinfu Rui two whole insurance (with-profits) coverage pattern:
1, the conditions of the analysis
The age of the insurance, belongs to the first threshold of the insurance, only, in the range of the age of the insured. The first thing that you need to do is to get a good deal of money to pay for the insurance.
The wider the age range, the more people can be insured.
And the age range for this product is set at 30 days to 65 years old, which is not too bad.
Because the maximum insured age of the whole life insurance on sale is set at 50 or 60 years old at the lower end, and can also reach 70 years old at the higher end.
From this analysis, the Heng An Standard Goldfrau Whole Life Insurance (Participating) is nothing to write home about.
The term of the policy ends in just six years, and the premium period also includes only a lump sum option.
As you can see, this product is of the short-term investment variety.
It must be clear that there are seven exclusions given to the insured.
In contrast, many similar products in the market have just 3-5 exclusions.
In comparison, the sincerity of the Heng An Standard Gold Fortune Whole Life Insurance (Participating) is somewhat lacking.
Because the fewer the exclusion clauses, the better for the insured for sure.
2. Analysis of coverage
Hang An Standard Goldfrau Two Whole Insurance (Participating) remembers the insured's maturity benefit and death/permanent total disability benefit.
Especially when compared to similar products that only offer maturity benefit as well as death benefit.
The coverage of Heng An Standard Gold Fortune Double Life Insurance (Participating) is still wider.
And, if the breadwinner of the family is unfortunately disabled, the financial impact on the family is relatively large.
Because the probability of being unable to work after the disability is high, the whole family will completely lose their main source of income.
And, if the situation is very serious, I'm afraid that you have to hire a caregiver to take care of it, such as nursing costs, nutritional costs and so on can not be missing.
Therefore, it is worthwhile to recognize that the product has different benefit rates according to different age groups, which is still reasonable.
If the profit is good and there are dividends, its effective sum insured is also quite high, which is also equivalent to a big advantage!
3, other earnings analysis
Heng An Standard Goldfrau two whole insurance (participating) belongs to the type of dividend insurance products, it is possible to enjoy the results of the operation with the insurance company ****.
It is important to understand that dividends from participating insurance are not controllable!
The main point is that dividends can be affected by the operating conditions of the participating insurance business in the previous year.
If the previous year's business is not good, the dividends at the end of the year may not have money.
Then again, Heng An Standard Gold Fortune Two Insurance (Participating) adds policy reduction and policy loan benefits.
With the provision of these two benefits, assuming that there is a liquidity problem, in this case you can use it to take out a portion of the cash value to put the immediate problem to rest.
So the Heng An Standard Goldfrau Double Life Insurance (Participating) has quite a high degree of financial flexibility.
If you want to get into the two full participating insurance, the following ones are also worth paying attention to:
"The list of two full participating insurance is freshly released! Is there any one that you prefer?
Two: Is Heng An Standard Goldfrau Whole Life Insurance (Participating Type) worth taking out?
Overall, Heng An Standard Jin Fu Rui two whole insurance (participating) this product has its own advantages and disadvantages, you can look at its characteristics, corresponding to their own protection needs to see whether it is suitable.
Additionally, as I said earlier, the uncertainty of its dividend income is too strong, and there is a possibility that you won't be able to get it.
If you want to get into an insurance that can manage your finances, you might want to consider an incremental whole life insurance policy, whose sum assured and cash value can grow year by year and which also has a higher return.
The thoughtful schoolteacher has already helped the little ones summarize some of the higher-yielding products, which you can refer to:
"Freshly Baked! Don't miss out on the top five high-yield incremental whole life insurance policies!
Written in the end
I am the school bully said insurance, focusing on objective, professional, neutral insurance assessment;
If the above content has not solved your problem, you can also come to the public number of the school bully said insurance consulting me;
I will be many years of experience in configuring insurance for 10W+ families. 10W + family configuration insurance experience, give you the most professional advice.
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