If you are not familiar with life insurance, you can read the following article:
What's the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims? 》
1. What are the guarantees for whole life insurance (dividend-sharing type) of Taiping Welfare Health Section B?
As usual, let's take a look at the product protection map first:
As shown in the figure, the whole life insurance of Taiping Welfare Health B actually consists of two parts: Taiping Welfare Health B whole life insurance (dividend-sharing type)+Taiping Supplementary Welfare B paid to critical illness insurance in advance. These two products must be sold together, and if the insured wants to insure the former, he must attach the latter. So, is the guarantee of this product satisfactory? Let senior analyze it for you!
1, security content
Judging from the content of protection, whole life insurance (dividend-paying type) in Section B of Taiping Welfare Health provides few basic protection responsibilities, and only provides death insurance and policy dividends.
However, in view of the fact that Taiping fringe benefit B is bundled and paid to critical illness insurance in advance, the insurance company will give the insured critical illness insurance premium and special insurance protection for cancer in situ.
Among them, the total coverage of critical illness insurance covers 50 diseases. If the insured is diagnosed as seriously ill for the first time due to accidental injury or after waiting period, the insurance company will pay 65,438+000% of the basic guarantee amount of the additional insurance plus the cash value corresponding to the accumulated dividend amount of the main insurance.
2. Insurance rules
Whole life insurance (participating) insurance requirements of Taiping Welfare Health B are not very high. This product provides insurance opportunities for people born between 28 days and 65 years old, and the corresponding protection period is life. There are several options for payment period, such as batch payment, payment to 55/60 years old or 10/ 15/20 years.
Everyone knows that different insured people will have their own insurance needs. Then the looser the insurance rules, the greater the chance for the insured to choose the insurance method that suits them. At this point, whole life insurance of Taiping Welfare Health B is still very satisfied!
In addition, if you don't know how to choose the payment period, you'd better read the following article. Come and learn more!
"How to choose the payment period so as not to lose money? 》
Second, is whole life insurance (dividend-paying type) of Taiping Welfare Health B worth buying?
1, the binding is unreasonable.
As mentioned above, this product covers the case of bundling. Moreover, the protection provided by bundled critical illness insurance is actually not sufficient, and it is only equipped with critical illness insurance and special insurance for cancer in situ.
Many products on the market not only provide these guarantees, but also provide protection for mild and moderate diseases and secondary compensation for cancer. In contrast, Taiping fringe benefit B is not competitive enough to pay critical illness insurance in advance! Moreover, because it is bundled, even if the product is not perfect, the insured still has to attach it. This will seriously damage the interests of the insured!
2. The policy dividend is uncertain.
Whole life insurance of Taiping Welfare Health Section B is actually a dividend-paying insurance, which can provide policy dividends for the insured. We must make it clear that the amount of policy bonus is determined by the operating conditions of insurance companies.
If the insurance company is operating well, then the insured will get a lot; If the operating conditions of the insurance company are blocked, the insured will get less points or even no points.
Due to the limitation of space, the introduction of dividend insurance is here. If you are interested in this, you can read the following article.
"Why is the complaint about dividend insurance so high? Unveil the mystery of dividend insurance. "
In a word, the whole life insurance (dividend-sharing) guarantee of Taiping Welfare Health B is not very comprehensive, and its comprehensive cost performance is not high, so it is not an excellent life insurance product.
Friends can look at other products with better protection of the same type on the market and then choose the appropriate configuration.
Write it at the end
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