Which insurance company does Lexiang belong to every year?

Enjoy every year is a healthy product of Kunlun. This insurance company is one of the four largest health insurance companies in China, and its headquarters is in Beijing. At present, many provinces and cities have their branches and branches. Le Sui Nian is an incremental whole life insurance. Only people who are 28 days and 70 years old after birth can be insured for life. Starting from the second policy year, the annual effective coverage of this insurance product will increase by 3.5% with annual compound interest.

Enjoy the annual increase. Whole life insurance's protection includes sickness death insurance and long-term care insurance, as follows:

Insurance premium for death due to illness: if the insured died of illness under the age of 18, compensation shall be made according to the higher of paid insurance premium and cash value; If the insured reaches the age of 18 and dies of illness before the payment period, compensation shall be made according to the larger proportion of the premium paid and the cash value; If the insured reaches the age of 18 and dies of illness after the payment period expires, the insured who has paid the premium can be compensated according to the cash value and the maximum amount of the effective insurance amount in the current year;

Long-term care insurance premium: if the insured loses the ability of daily living before 18 years old and continues until the end of the observation period, it will be paid according to the greater of the paid insurance premium and cash value; If the insured reaches the age of 18 and loses the ability of daily living before the expiration of the payment period and continues until the end of the observation period, it shall be calculated according to the higher ratio of the paid insurance premium to the cash value; If the insured reaches the age of 18 and loses the ability of daily living after the expiration of the payment period and continues until the end of the observation period, the payment shall be made according to the highest value of the payment ratio, cash value and effective insurance amount of the current year.

What are the characteristics of annual nursing insurance?

1, for people with a small budget, the minimum subsistence allowance for similar products is generally1000-2,000 yuan/year, and the average insured amount is 5,000 yuan/year. This product has a high threshold, with a single payment of 50,000 yuan/year and a term of 100 yuan/year;

2, there is no insurance interest, the policy interest is not rich enough, only the insurance deduction business, for the flexibility of insurance, users who pursue the flexible use of funds can pay attention.

3. Capital withdrawal is relatively slow, and many products will be withdrawn quickly, and will be repaid in the next year, three to five years or four to five years. This product won't pay off until the eighth year, and it won't pay off until the ninth year, which is relatively slow.