If you want to see the analysis from other angles, poke the evaluation of senior sister again:
"I heard that Italy and Italy will guarantee Lutong and whole life insurance. Is that true? 》
1. How did Italian Life's trip to Lutong and whole life insurance perform?
As usual, the senior first presents the product form diagram of China-Italy Lutong and whole life insurance:
Presumably, everyone has got a general understanding of this product through the above picture. Let's analyze it from two aspects!
1, analysis of insurance rules
First of all, the guaranteed age of Lutong, Zhongyi and Italian-Chinese whole life insurance ranges from 7 days after birth to 75 years old, which is very extensive.
From babies born only a few days to people in their 70 s, they have the opportunity to buy this product.
Senior sister here recommends friends. Generally speaking, minors under 18 do not need to bear the family economic responsibility, so the demand for whole life insurance is not strong. If friends want to buy whole life insurance for their children, they have to think twice.
At the same time, in terms of guarantee period, Lutong and whole life insurance, as a kind of whole life insurance, can only provide lifelong guarantee.
Then, combined with the payment period, it is found that the whole life insurance of Sino-Italian Lutong contains as many as seven options, and consumers can choose to pay wholesale (that is, one-time payment) or annual payment.
Such a rich payment cycle is conducive to people with different budgets to choose flexibly.
Finally, the waiting period of Sino-Italian Lutong trip to whole life insurance is 90 days. Through this time, I learned that once the insured has an agreed insurance accident due to non-accidental injury, Sino-Italian Life will not make corresponding insurance claims.
2. Security content analysis
In addition to the common death insurance and total disability insurance of other similar products, the protection content of China-Italy Lutong Tour whole life insurance also provides accidental death insurance and aviation death insurance.
In addition, whole life insurance, a Sino-Italian Lutong Bank, also provided three practical cash value rights for the insured.
After all, the number of words is limited, and the senior sister focuses on death and total disability insurance.
Let's discuss the death insurance of whole life insurance Zhonglutong Bank of China and Italy. Looking at the terms, we can see that after the waiting period, if the insured dies before the age of 18, the insurance company will pay the beneficiary the greater of the premium paid and the cash value according to the contract. 100% of the basic insurance amount shall be paid for accidents after the age of 0/8.
Through many whole life insurance in the market, we know that such compensation is not so good.
If you want stronger compensation, you might as well know about the increase in whole life insurance, which is a kind of whole life insurance with increasing insurance coverage.
In other words, with the increase of the insured's age, the insured amount will be higher and higher, so once the insured is out of danger, the beneficiary will be eligible for more insurance money.
If you want to know more about whole life insurance, the following popular science can help you:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? 》
Then Senior Sister will explain to you how Italy, Italy, Lutong and whole life insurance pay for total disability.
The total disability insurance in whole life insurance of China-Italy Lutong Bank, like the death insurance, mainly divides the way of claim according to the age of 18. However, this guarantee only pays the lower of 65,438+000% of the basic guarantee and 20 million yuan to the insured who is in danger at or after 65,438+08.
It is worth mentioning that total disability insurance is an optional responsibility, and everyone can make a choice after analyzing the needs.
Second, is the journey of Italian Life and whole life insurance worth starting with?
On the whole, the coverage contents of Mr Right, accident insurance, Lutong and whole life insurance are quite satisfactory, and the overall performance is relatively general, with low cost performance. You might as well shop around and then choose the one that suits you.
In addition, it should be noted that the financial management functions of Lutong Bank and Sino-Italian Life Insurance Bank are not obvious. If you want to have value protection and realize wealth appreciation, it is better to choose increased whole life insurance products:
"Hongkang Life Insurance 2.0 increased the happiness after whole life insurance. Come and have a look! 》
Write it at the end
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