After the 180 contract comes into effect, one or more of the 35 major diseases listed in the initial illness insurance policy will immediately have the critical illness protection of 654.38+10,000 yuan, and critical illness insurance's contract liability will be terminated, and other contracts will continue to be valid. During the payment period, the insurance premium for the subsequent period shall be exempted.
Second: value protection:
The very good thing about this plan is that after having a basic insurance amount of 654.38+10,000 yuan, it will increase continuously every year in the form of insurance amount and dividends. If calculated according to the mid-range dividend return, it will reach 6.5438+0.6 million at the age of 60, 6.5438+0.9 million at the age of 70, 230,000 at the age of 80, and even higher at the age of 90, reaching 260,000.
Third: old-age security:
Don't worry about leaving money in the company for too long. Insurance is just in case. If you lose money, you must save it. Moreover, the biggest benefit of this plan is the second benefit: having an extraordinary humanized cash transfer account. If you are in urgent need of cash, you can withdraw cash in part or in whole by mortgage or insurance reduction, which is very free and convenient. If you calculate the mid-range dividend return, you can withdraw 88,000 yuan at the age of 60, 1.3 million yuan at the age of 70, and 1.8 million yuan at the age of 80.
Fourth: Dividend distribution:
Our company adopts the British dividend (i.e. capital preservation dividend). If we don't receive the dividend, we can preserve the capital and compound interest.
Let Happiness Become a Reality —— "Happiness" in Jin Rui Life Protection Plan of Pacific Life Insurance has become a hot topic. The previous generation felt that young people were happy and had a richer material and spiritual life; Young people feel that the previous generation is happy, the medical expenses are coordinated by the state, and there is no need to worry about unemployment. Facing the pressure from all sides, under the glamorous appearance, contemporary people seem to be "happy". Experts say that security is directly related to happiness. While accumulating wealth, contemporary people need a safe guarantee to resist all kinds of life risks and avoid worries. As the saying goes, guaranteed happiness is true happiness. Adhering to the product concept of "Four Seasons of Life, Guarantee and True Happiness", Pacific Life launched a brand-new guaranteed product "Jin Rui Life Insurance Plan" on the occasion of resigning the old year and welcoming the new year. The amount of guarantee can increase with the increase of age, providing customers with comprehensive and dynamic life guarantee, so that customers can sit back and enjoy a truly happy life.
"Jin Rui Life Insurance" includes "Jin Rui Life Insurance whole life insurance (dividend-paying type)" and "Life-long critical illness insurance with Jin Rui". This product covers all ages and can be insured from 30 days of birth to 65 years old. There are three main functions: life insurance with increasing insurance coverage, early payment for major diseases, and annuity conversion. It is a comprehensive insurance product with relatively low premium and wide coverage. "Living in Jin Rui" has a strong security function, and at the same time, it can give consideration to certain old-age security functions. For consumers, it is a comprehensive basic insurance policy.
Jin Rui Life Insurance is more suitable for young people who have a heavy family burden and some loans. There are small family pillars in the world, and they are usually called "sandwich families" figuratively. They have a heavy family burden and work pressure, and their own life and health are very important for the growth of children and the stability of family life. For them, the responsibility to the family is to protect their ability to make money in case the quality of family life drops sharply when they lose this ability. Similarly, for young people with loans, repayment pressure and future uncertainty are great, and risks need to be passed on through insurance.
The life insurance coverage of the main insurance of "Jin Rui Life" keeps increasing with the annual dividend, effectively making up for the insufficient coverage brought by inflation. It is worth noting that consumers do not need to pay more premiums to achieve this increase in insurance coverage, nor do they need to participate in physical examination and underwriting, thus eliminating consumers' concerns that the insurance premium rate will be high in the future, and they may need physical examination or even be rejected by insurance companies because of their future health status. It is an ideal insurance choice for family pillars and young people to truly realize the constant premium and increasing security.
In addition to life insurance, health insurance is also a problem that contemporary people have to consider. For busy people, fatigue and sub-health are commonplace, coupled with environmental pollution, food safety and other factors, it is inevitable to worry about the change of health status. Relevant data show that the incidence of major diseases has obviously shown a trend of younger age. However, with the progress of medical technology, many major diseases are no longer incurable, while the corresponding medical expenses are rising. Disease is no longer an accident of life, but a cost that we have to calculate. Social medical insurance can only provide the most basic protection, and commercial health insurance is an important source of excess expenditure. Only by entrusting this part of worry to the insurance company can we experience a happy life that is adaptive at will.
The additional insurance of "Jin Rui Life Insurance" has specially designed the critical illness insurance premium, which shares the insured amount with the main insurance. With a small premium, the risk of large medical expenses can be passed on to the insurance company to help the insured recover. After the critical illness insurance is paid, the dividend amount of the main insurance will remain valid, and it will continue to participate in dividends in subsequent years.
With the intensification of aging, how to arrange the life of the elderly is also a topic that modern people pay more and more attention to. For ordinary workers, the future pension expenditure is expected to be at least 50% of the annual income, while social pension insurance can only provide 30%-40% of the income level. Faced with this huge funding gap, the earlier you start preparing, the easier it will be. However, for young people whose careers are on the rise and some newly formed families, the pressure of financial expenditure in all aspects is great, and there may not be enough funds for special pension reserves.
The humanized and flexible function of "Jin Rui Life Insurance" and the function of converting cash value into annuity enable consumers to flexibly reduce their insurance at any time according to their own pension planning and obtain high cash value, and can apply for converting it into pension for supplementary pension income. The design of this function allows consumers to set up a supplementary pension plan for themselves without paying more premiums, so that they can prepare pension funds in advance at the stage of their life when their savings ability is insufficient, and through long-term accumulation and appreciation, they can more easily lay the foundation for future pension.
Truman once said, "I have always been a believer in life insurance. Even a poor man can build assets through life insurance, and he can feel really satisfied, because he knows that if anything happens, their family can be guaranteed. " "Jin Rui Life Insurance" is such a life insurance product with low premium, high security and increasing security, which can fully meet consumers' demand for insurance protection, make happiness real and make life under control. Lifelong guarantee, clever planning, resisting risks and protecting the whole family.
Reasonably plan social security, effectively avoid life risks, provide reliable protection for a happy and healthy life for yourself and your family, and resist unexpected risks.
You can enjoy compound interest if you pay dividends, so the value-added will increase.
The level of protection will increase with the annual dividend distribution, and the amount of insurance will increase with compound interest, so as to avoid physical examination and truly realize the dynamic planning of life risk protection. In addition to the annual bonus, there are special year-end bonuses to ensure more. The premium does not increase, but the protection is increasing.
Serious illness guarantees worry-free, and lifelong care highlights care.
You can join Jin Rui Life Insurance critical illness insurance to form a more comprehensive protection plan. Provide protection for up to 35 major diseases. If a serious illness happens unfortunately, pay compensation after diagnosis, ensure timely treatment, reduce family economic and mental stress, and help customers stay away from serious illness for life.
Annuities are converted into old-age life, and old-age care is more reliable and worry-free.
According to the insured's personal retirement pension plan, the total amount corresponding to the reduction or surrender of insurance can be converted into annual pension annuity at any time after insurance (according to the converted annuity insurance contract provided by the company at that time), and the collection period can be selected, which can effectively supplement the pension account and provide strong economic guarantee for the colorful retirement life of customers. In addition to the insured, the beneficiary can also convert the insurance money into an annuity.
Financing is really convenient, and true love will accompany you all your life.
During the validity period of the contract, if liquidity is urgently needed, the pressure on funds can be alleviated through the policy pledge loan or insurance reduction function, which is helpful to the life and career of the insured; You can also alleviate the liquidity pressure faced by the insured by reducing the amount of payment and automatically paying premiums, and show true love everywhere. Mr. Qian, 30, works in an enterprise and has a happy family of three. He insured himself with 65,438+00 copies of "Jin Rui Life Insurance (Type B) whole life insurance (Dividend Type)" and "Additional Jin Rui Lifelong Critical Illness Insurance", with a basic coverage of 6,543,800 yuan and an annual premium of 65.438+00 yuan.
Safeguard interests
Mr. Qian's protection benefits are as follows: death or total disability protection: 654.38+ 10,000 yuan+accumulated dividend insurance amount at that time+care money, and the main insurance contract and additional insurance contract are terminated. * Death or total disability due to reasons other than accidental injury within 65,438+080 days from the effective date of the contract or the last reinstatement date: 65,438+0.25% of the premium paid by the main insurance+the cash value corresponding to the accumulated dividend insurance amount at that time (only in the case of reinstatement and accumulated dividend insurance amount)+care money (only in the case of reinstatement and caring money), the main insurance contract and additional risks. Critical illness insurance: If Mr. Qian is diagnosed with a major illness listed in this additional insurance contract for the first time, he will receive 654.38 million yuan of critical illness insurance money, and this additional insurance contract will be terminated. The basic insurance amount of the main insurance contract is reduced to 0. If there is accumulated dividend insurance amount in the main insurance contract, the main insurance contract will remain valid, and no annual premium will be paid in future periods, and the accumulated dividend insurance amount will remain valid and participate in dividends in future years. If there is no accumulated bonus insurance amount in the main insurance contract, the main insurance contract and the additional insurance contract will be terminated at the same time. The time is up, the time is clear, and the time is hasty, so the morning * supplementary insurance contract comes into effect or the last reinstatement date is the first time after being diagnosed with a major disease agreed in the contract for reasons other than accidental injury 180 days: the insurance premium paid by the main insurance and supplementary insurance+the cash value corresponding to the accumulated dividend insurance amount at that time (only in the case of reinstatement and accumulated dividend insurance amount)+special bonus (only in the case of reinstatement and special dividend).
Note: 1. Dividends are uncertain; 2. The specific contents shall be subject to the terms of the contract.