So is there a pit in this product? Is it worth buying? The following sister will give you an in-depth evaluation!
Click the link below to see the benefits of Kanggan No.3 Ruixiang Lifelong whole life insurance:
"Fierce attack! Fude Life Kanggan No.3 Ruixiang Life whole life insurance's income performance is amazing! 》
1. What is the guarantee for life in Kanggan No.3 Ruixiang and whole life insurance?
Not much to say, let's take a look at the protection map of this product first:
As can be seen from the figure, Kanggan No.3 Ruixiang is also equipped with death or total disability insurance in whole life insurance. In addition, there are rights and interests of policy loans and insurance relief.
It is worth noting that the product has set up value-added services such as online consultation and appointment registration. Next, Xue Jie will show you this product!
1, with a wide age range.
Kanggan No.3 Ruixiang Lifelong whole life insurance supports people born between 25 days and 70 years old to apply for insurance. In other words, the maximum insured age of this product is 70 years old.
Compared with similar products whose insurance age is limited to 60 or 65, the insurance age range of this product is more considerate and considerate to the elderly.
2. Providing value-added services
As can be seen from the above figure, Kanggan No.3 Ruixiang has set up value-added services in whole life insurance, which is especially rare in the market.
This product provides seven value-added services, specifically online consultation, appointment registration, disease self-examination, disease database, health assessment, health information and health records.
For example, the service provided by appointment registration is that customers can self-select regions, hospitals and departments online to complete medical appointments (the hospitals for appointment registration cover major tertiary hospitals in all provinces and cities in China, and the hospitals for appointment can be displayed according to the service interface), which helps to shorten the medical treatment process and save medical treatment time, and is an excellent service for the insured.
Kanggan No.3 Ruixiang Life whole life insurance belongs to an increased whole life insurance. For those who don't know much about the increased whole life insurance insurance, please read this article:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
Second, let's start with Kanggan No.3. Before the birth of total life insurance, Ruixiang could not ignore these points!
1, and the insured amount is increasing year by year.
As mentioned above, Kanggan No.3 Ruixiang Lifelong whole life insurance is an increased whole life insurance.
It can be said that since the second insurance year, the annual insurance amount of each insurance year has increased by 3.5% in the form of annual compound interest, that is, the insurance amount of this insurance year is equal to the insurance amount of the previous insurance year ×( 1+3.5%).
Generally speaking, its insurance coverage will increase year by year, which means that the longer the insured can live, the higher his value will generally be.
2. It can support insurance reduction.
Kanggan No.3 Ruixiang whole life insurance covers the interests with reduced insurance coverage. If customers encounter cash flow difficulties, they can apply for reducing the insurance amount five years after the contract takes effect.
In other words, after the successful application for reducing the insurance amount, the basic insurance amount will be reduced proportionally, and the insurance company will return the cash value corresponding to the reduced insurance amount to the customer with reference to the contract.
This money can play a role in solving urgent needs. However, we should remind everyone that the sum of the cash value corresponding to the cumulative reduction of insurance coverage in each insurance year should not be higher than 20% of the cumulative premium paid, and the insured will not have the same protection after reducing insurance coverage.
In a word, there are many satisfactory aspects in the guarantee of Kanggan No.3 Ruixiang's life in whole life insurance, such as a wide age range, providing value-added services, and increasing the insured amount year by year.
On the whole, it is a whole life insurance product worth buying, with comprehensive contents and high cost performance. Don't miss it.
Of course, in addition to Kanggan No.3 Ruixiang Life Insurance, which has a relatively high neutral price of all life insurance, there is also a list of all life insurance, which is full of products worth buying. Friends in need can refer to:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
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