Many friends are also asking, is the price-performance ratio of Hongkang Li Hong in whole life insurance really that high? Is it really worth buying?
Hongkang Li Hong is essentially an incremental life insurance. Some friends may be unfamiliar with incremental life insurance. Let me show you this first:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
1. What are the benefits of whole life insurance every year?
As usual, let's take a look at the product form diagram first:
After understanding the product guarantee, let's take a look at what this product is worth seeing:
1, excellent insurance rules.
Hongkang, Li Hong and whole life insurance have not only completed the insurance age and occupation, but also completed the payment period ~
Let me introduce the insurance age first. Hongkang Li Hong provides whole life insurance support for people aged 30 days to 70 years every year. Senior sister has evaluated many products of this type before, and the maximum insured age provided by those products is 60 or 65, while Hongkang Li Hong supports 70-year-old people to go to whole life insurance every year. In contrast, Hong Kang and Li Hong are more friendly to the elderly in whole life insurance every year ~
Secondly, the annual coverage of Hongkang Li Hong in whole life insurance is 1-6, of which 5-6 are high-risk occupational groups. At present, there are many similar products on the market that refuse to cover 5-6 groups.
Finally, let me tell you about the payment term. Hong Kang Li Hong has a variety of payment periods to choose from in whole life insurance every year, and you can choose from wholesale payment, 3/5/ 10/ 15/20 years payment, which is very flexible ~
Flexible payment years can also meet the needs of more people with different budgets ~
For example, friends with a higher budget can choose to pay the premium directly to avoid all kinds of payment in the later period, which is very troublesome.
The small partners with insufficient budget can choose to pay in 20 years and share equally every year. The premium will be much less and the economic pressure will be reduced ~
To sum up, the insurance age and occupation of this Hongkang Li Hong in whole life insurance are very relaxed every year, and there are many choices for the payment period!
2. Rich income
Take the 30-year-old Lao Wang as an example. He insured this product of Hongkang Li Hong's annual whole life insurance, and paid 654.38+million yuan every year, with a payment period of 654.38+00 years. The beneficiary is Lao Wang's son.
Let's look at the income calculation:
We see the date of the 10 policy. When the payment expires, the cash value has reached 1 105380 yuan, which has already been paid back.
For example, when Lao Wang retired at the age of 60, the cash value at this time has reached 2 196340 yuan, which is about twice the premium paid. Old Wang Can surrendered all his insurance at this time and took out more than two million yuan in cash. This fund can be used as his retirement pension, travel and subsidize his life ~
If Lao Wang didn't go through the surrender formalities until he died at the age of 80, the death insurance premium would be as high as 4,370,260 yuan, which is about 4.3 times of the premium paid. It is very good to reach this income.
The money will be paid by the insurance company to Lao Wang's son, which is also a wealth that Lao Wang passed on to future generations.
So is there a pit in this product? Is it worth buying? Senior sister reveals Hongkang Li Hong's annual whole life insurance for you, so that you can buy appropriate insurance without stepping on the pit:
"Hongkang Lihong" will stop selling whole life insurance every year. Do you want to get in the car quickly? 》
Second, is whole life insurance worth starting every year?
Generally speaking, Hongkang, Lihong and whole life insurance are cost-effective, comprehensive and worth buying.
Of course, in addition to the whole life insurance of Hongkang and Lihong with high cost performance, here is a list of whole life insurance, which are all worth buying. Friends in need can refer to:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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