Ping An Wisdom Star Growth Insurance Plan, one-stop solution to children's education, health, marriage, pension and other issues. The road of children's growth is guarded by the safety of "stars".
Second, the advantages and disadvantages of Ping An Wisdom Star
(1) Ping An Insurance Smart Star Advantages:
1, education reserve, flexible collection
A good education is a booster for children's bright future. Ping An Wisdom Star can help to establish an education fund plan with safe, stable and value-added funds and independent decision on the time and amount of collection.
2. Flexible collection, which can meet the expenses of education, entrepreneurship and marriage leave.
You can flexibly collect the value of the policy account according to your own needs, which can be used as an education fund or for starting a business and getting married. The policy account bears interest on a daily basis and is settled on a monthly basis. After the settlement, the expected annualized interest rate is 1.75%, the funds are safe and worry-free, and the wealth grows steadily.
3. The scope of multiple guarantees is wide, and the guarantee amount is adjusted independently.
Covering multiple guarantees such as death, serious illness and accidents, there are as many as 45 major diseases, and the protection of death and serious illness can be flexibly adjusted according to the risks at different stages of life.
4. In case of an insured accident as agreed in the contract, the insurance premium shall be exempted.
If the insured and the insured have an insurance accident agreed in the contract, they can be exempted from paying the remaining installments during the exemption insurance period, which not only protects the personal risk of children, but also protects the ability of adults to pay.
(2) The disadvantages of Ping An Insurance Smart Star
Bian Xiao believes that smart star is a relatively comprehensive product, which can guarantee financial management, provide for the aged and have flexible access. But it is also because everything is available, so everything is relatively low, and the guarantee is lower than that of pure guarantee products. The expected annualized income can't keep up with the wealth management type, and the later guarantee cost is very high. Of course, different products are suitable for different families.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.