First, the characteristics of insurance:
1 Flexible premium: pay as much as you want.
From 3000 yuan, the deposit is not capped. Can be added at any time, 1000 yuan, 10000 yuan, 10000 yuan. ...
2. Flexible payment: if you have money, you can save more, but if you have no money, you can cache it.
It can be extended for one year, two years or three years. As long as there is 1000 yuan in the personal account, we can still enjoy the protection treatment.
Flexible withdrawal: you can withdraw it whenever you want, and there is no charge.
For example, saving money for children can be used as a university education fund, a venture capital fund, a marriage fund and a pension, or you can use it whenever you want. It's entirely up to you, just like a bank passbook.
Flexible guarantee: the insured amount can be adjusted to meet the needs of different age groups. Can be high or low.
Can be adjusted according to the needs of different stages of life, once a year.
Two: three values:
1 critical illness insurance (3 1 critical illness insurance+personal account value)
2 sickness death payment (insured amount+personal account value) ★ accidental death payment (ordinary 1 time, 2 times by train, ship and 3 times by plane)
3 Disability care fund (insured amount+personal account value) ★ Expired birthday fund (personal account value)
One guarantee: the minimum rate of return of 2.5% is not capped, and the minimum rate of return is still as high as 4.25%.
Bonus: there is a bonus for saving money, not a bank, but a bank.
Pay for 4 consecutive years, and give 2% as long as you save money in the fifth year; 2%+2.5%=4.5%; The biggest advantage of a bank is security, but it is safer to deposit money in a personal financial account of Health Treasure than a bank.
The second advantage of the bank is convenient access, while the personal account of Health Bao is still convenient to store. At the same time, there are high guarantees that banks do not have. Just transfer money and change accounts.