Compared with ordinary whole life insurance, there is no doubt that the biggest advantage of increased whole life insurance is that its insurance coverage can be increased year by year, which not only has the function of security, but also has the function of financial management.
However, faced with most of the increase in whole life insurance, many small partners still don't know what to choose. Today, Senior Sister takes Xintai Huaxin's inheritance of whole life insurance and Zengzeng No.3 Zengli whole life insurance as examples to see if these two products are worth considering! How about the guarantee!
Before starting, friends who are not familiar with whole life insurance's increase can learn more about it through this article:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
First, Xintai Huaxin inherited whole life insurance, and on the 3rd, it increased the insurance coverage of whole life insurance!
1, Xintai Huaxin inherits whole life insurance.
Let's take a look at the product protection map of Xintai Huaxin inheriting whole life insurance:
(1) Analysis of Insurance Conditions
As can be seen from the security map, Xintai Huaxin inherited the opportunity given by whole life insurance to people born between 28 days and 80 years old, and this range is still acceptable. Compared with some whole life insurance whose highest insurance age is only 65 or 70, Xintai Huaxin inherited whole life insurance in this respect.
Moreover, Xintai Huaxin inherited from whole life insurance four payment periods, namely: wholesale payment, 3 years, 5 years, 10 years. The insured can reasonably choose the applicable payment period according to his own economic income.
For example, just like those whose income fluctuates greatly, they can directly choose to pay in one lump sum, that is, pay in batches, so that even if the funds are tight in the later period, they don't have to worry about paying off. If it is a crowd with insufficient funds, it is very good to choose 10, which can effectively alleviate the economic pressure of the insured.
(2) Guarantee content
Xintai Huaxin inherited the protection content of whole life insurance, which not only provides general death or total disability protection, but also enables the insured to enjoy accidental death/total disability protection in major natural disasters, which can bring more comprehensive protection to the insured.
For some people who live in areas with frequent natural disasters all the year round, such as mountainous areas and plateau areas, this kind of guarantee is very friendly.
Then, if you want to know more about Huaxin's inheritance in whole life insurance, you can collect this article in case of missing links:
Is it worth buying the whole life insurance value of Xintai Huaxin's inheritance and profit increase? Tell you in one article! 》
2. The amount of whole life insurance is increased by 3.
Let's take a look at the protection map of the life-long care insurance product plan with No.3 added:
(1) Analysis of Insurance Conditions
As can be seen from the protection map, the plan to add No.3 lifelong care insurance products belongs to portfolio insurance, with the main insurance being a product named Le Nian Dai Lifelong Care Insurance, and the additional protection responsibility being Le Xiang's premium-free critical illness insurance.
From the age of insurance, it will be found that the main insurance allows people born from 28 days to 70 years old to be eligible for insurance, while the age of additional insurance is limited to 18 years old to 65 years old.
The choice of payment period included in the product plan of adding No.3 incremental lifelong care insurance is essentially consistent with the inheritance of Xintai Huaxin in whole life insurance, which is actually commendable.
(2) Analysis of guarantee content
In this kind of combined insurance, the main insurance enjoys annual lifelong care insurance, which mainly includes illness death insurance and long-term care insurance. If the insured dies of illness and reaches the claim standard, then in the face of this situation, the insurance company will immediately pay the insurance money in proportion. As for the payment of long-term care money, the insured needs to meet the standard of losing the ability of daily living and continuing until the end of the observation period, and meet the claim requirements.
Additional insurance mainly provides the protection of premium exemption. If the insured is diagnosed with serious illness, death or total disability for the first time, then all the premiums of the insured in the later period can be exempted, and the policy still has legal effect.
If you want to know more about the plan to increase the life-long care insurance product No.3, you can read this article by Senior Sister:
"The planned income of Kunlun Health Increase No.3 lifelong care insurance product is like this ..."
2. Xintai Huaxin inherits whole life insurance or increases whole life insurance on the 3rd, which is worth insuring?
To sum up, Xintai Huaxin inherited the whole life insurance and Zengzeng No.3 Incremental Lifelong Care Insurance Product Plan, which is cost-effective.
Xintai Huaxin inherits whole life insurance, which not only guarantees rich contents, but also sets a good age range for insurance. Compared with the same type and amount of products, adding No.3 life-long care insurance product plan can bring more benefits to the insured.
Generally speaking, these two products are fully guaranteed, and the effective coverage has increased by 3.5%, which is still worth buying.
Write it at the end
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