Before analyzing the guarantee content of Ding Haizhu No.2, we can review the specific content of Ding Haizhu 1, "Guo Fu Ding Haizhu 1 is compared with domestic popular fixed life insurance products in detail".
First, how to determine Haizhu No.2 guarantee first:
Let's look at the insurance rules first and see who can buy it. After all, no matter how good the protection is, if it can't be insured, everything is empty talk:
Age limit: 18-60 years old;
Occupation restriction: 1-6 occupation;
Warranty period: 20/30 years. To 60/70/80 years old;
Payment period: 5/ 10/20/30 years;
Waiting period: 90 days;
Insurance rules can only be said to be quite satisfactory. From the payment period, dad's time is a little short. If you can choose to pay to the age of 60/70, the leverage of insurance will be higher. After all, buying insurance is buying leverage.
Let's take a look at the protection content of Dinghaizhu II:
Mandatory liability:
Death/total disability insurance: compensation 100% of the insured amount; ?
Optional guarantee:
Specific accidental death/high disability protection: 50% of the basic insurance premium for private car traffic accidents, with a maximum of 1 10,000 yuan.
The protection of term life insurance is relatively simple. Compared with other term life insurance, Dinghaizhu No.2 is different in that there are private car traffic accidents to choose from, and the protection is more comprehensive and flexible.
As for health notification, as I said at the beginning, it is relatively strict.
Not only have requirements for income, but also ask about hepatitis B, big three-yang, hepatitis.
But these are all acceptable. After all, Dinghai Erzhu is cheap.
If the premium is low and the health notification is loose, it will lead to a large number of unhealthy individuals insured, which will make insurance companies bear greater loss risks.
Second, how to choose term life insurance Term life insurance products have simple structure and single guarantee function, which are mainly used to resist the economic risks caused by the death or total disability of family financial resources.
Therefore, the difference between different products of term life insurance is very small. Generally speaking, when choosing term life insurance, the following points are mainly considered:
Cost-effectiveness ratio: The lower the premium, the higher the cost-effectiveness ratio.
Maximum insurable amount: the maximum insurable amount is not necessarily the same for different ages, occupations and cities.
Health notification: Different people and different products have different health inquiries, and health notification is closely related to claims. When you insure, you must read it clearly and tell it truthfully.
Exemption clause: the best term life insurance, the exemption clause is only the following three basic clauses stipulated by the CIRC; Other products are basically added on the basis of these three items:
Term life insurance is generally bought for the role with the greatest family responsibility, that is, the role that makes the most money.