Yes, it stopped selling, and now it has been upgraded to a smart star ~ I have tested this product before, and I have to admit that it is really necessary to upgrade. Let's analyze it if you don't believe me ~
Wisdom Star is a universal insurance for children.
Let me briefly explain what universal insurance is. It is a kind of financial management+security insurance, and the main insurance is generally financial management.
General agents will claim that the protection of such products is almost perfect, which can not only provide education, marriage, pension and other protection, but also provide universal insurance such as serious illness, death and accident. However, universal insurance is not as powerful and omnipotent as people say. Look at this deeply stripped star of wisdom:
Let's objectively evaluate:
Let's take a look at the financial management of Wisdom Star.
It deposits the money saved by customers every year into the policy account to accumulate interest. At present, most products on the market are in this way, and customers can get some money every year. There is still no big problem in this regard.
What I want to vomit is that every time you save a sum of money, you will deduct your expenses. In the first five years, they were 50%, 25%, 65,438+05%, 65,438+00% and 65,438+00% respectively. Starting from the sixth year, 5% will be deducted every year.
At the same time, there are many uncertainties in the guaranteed interest under the upper limit.
Ask for his assurances.
The basic guarantee of death insurance is 654.38 million yuan plus the value of the policy account. As for the value of the policy account, it still depends on your insurance contract. The most important critical illness insurance for health insurance is only 80,000 yuan. What is even more incredible is that critical illness insurance and death insurance are the same. In other words, after losing the premium of critical illness insurance, the basic insurance coverage of the main insurance is only 20 thousand yuan.
Generally speaking, unless you really like peace, it is generally not recommended to buy a wisdom star, which is not cost-effective. If you mainly want to buy insurance for your children, you'd better buy health insurance such as critical illness insurance first, and then buy financial insurance. I have collected some critical illness insurance products that are cost-effective and suitable for children. If necessary, I can make a reference: the top ten insurance companies "worth buying" hot critical illness insurance inventory!