1. What are the characteristics of Fosun and Shun Fu Jin Sheng?
Fosun and Shun Fu Jinsheng are different from ordinary accident insurance. The basic structure is: accidental death+accidental disability+increased insurance coverage. The specific protection contents are as follows:
1, lifetime guarantee, lifetime benefit
This product is a lifetime guarantee for accidental death and accidental disability, so don't worry that there is no guarantee after the expiration of the product term.
Moreover, the insurance age of this product is relatively wide, ranging from babies born for 7 days to 60-year-olds.
Especially for the elderly, you should know that one-year accident insurance is only guaranteed for one year, and after one year, it may not be guaranteed when you are old.
When it comes to accident protection, there are the following agreements for accidental death:
/kloc-the maximum value of cash compensation and premium paid before the age of 0/8.
/kloc-the maximum value of the cash value paid and the premium paid * coefficient after the age of 0/8 and before the policy takes effect 10.
Cash value, premium paid * coefficient and maximum insured amount shall be paid after the policy comes into effect/after 0/8 years of 10/0 years of death.
2. The insured amount increased by 3.5%.
After analyzing the part of accident protection, we will focus on the "increase" part of this product.
The insured amount will increase by 3.5% with compound interest every year, up to 5 times of the insured amount, and the insured amount will be 654.38+0.8 million, up to 5 million.
3. "Partial collection" is equivalent to financial management tools.
Fosun and Shun Fu Jin Sheng have a partial collection function. As long as there is no claim within the first five years of the policy, you can apply for part of the cash value.
However, if there is a disability claim, you can't withdraw cash through partial collection, and the cash value can only be presented through surrender.
You can also solve temporary needs through policy loans.
In other words, by using the partial collection function, you can plan your child's education fund, business start-up fund or pension.
Second, dad concluded
After the increase in whole life insurance, even accident insurance has now joined the ranks of "increase", which not only provides protection but also manages money, giving consumers more choices. However, dad should remind you to do a good job first and then consider financial management. For more accident insurance products, you can see "Fresh Out: 2020 Accident Insurance Rankings", there is always one for you! 》
Source: Nanba Daily