However, my personal opinion is that this commercial universal insurance is still worth buying on the premise that you have the right to buy social security. Universal insurance is regarded as a deposit similar to long-term investment. The longer the purchase time, the higher the amount and the higher the dividend. Therefore, it is definitely better for individuals to buy naturally, provided that you have the ability to buy personally. Let's learn about this kind of commercial national insurance.
(1) Universal coverage. Dividends for Lifelong Endowment Insurance First, let's take a look at the data analysis of this endowment insurance. Universal coverage. Lifelong endowment insurance is a dividend-paying commercial insurance jointly launched by Ant Insurance and PICC China. As shown in the above figure, if you invest 100 yuan in one week and 400 yuan in one month, you will invest for 60 years; At the age of 60, he receives a monthly pension of 960.52 yuan. It is estimated that you will get a bonus every month for 60 years. It is estimated that the total dividend for 60 years will be 10635 1.90 yuan. It seems that the data is very attractive.
If you invest in 200 yuan every week, you will invest in 800 yuan in one month for 60 years. When the insured reaches the age of 60, he can receive 192 1.05 yuan every month, and it is estimated that the accumulated dividend will be 2 12703.79 yuan when he reaches the age of 60. This category is already twice the weekly investment 100 yuan, with high investment and high return.
(2) The payment cycle is universal. The payment period of lifelong endowment insurance is divided into three periods: weekly investment, monthly investment and single investment; According to the difference of these three payment cycles, the time and amount of this insurance are directly linked.
(3) The product description policy is valid for life, and can be added at any time during the period, and the regular investment can be cancelled or changed at any time; Pay dividends every month, and guarantee to receive them for life. Dividends can be withdrawn or automatically transferred to premiums; Refund can be made at any time during the half-month hesitation period, and refund will be made at the cash value after the half-month hesitation period. Pensions can be received monthly or annually from the retirement age, and are guaranteed for 20 years. ; This product is dividend insurance, and the dividend is uncertain.
Through the above six understandings of universal insurance and lifelong endowment insurance, this is a kind of commercial insurance with high dividend, with guaranteed funds and added value; Through this insurance, we know that this dividend-paying commercial insurance is worth buying and owning as long as there are conditions. As for this insurance, if it is worth buying under the premise of social security; At the same time, it is also conditional and worth buying; Steady investors, investors who enjoy dividends, this insurance is also worth buying. Everyone can decide whether this insurance is worth buying according to their own situation.