It seems that you don't know much about wisdom star. Let me give you a detailed introduction and pay attention to the shortcomings. The problem is very big!
Wisdom Star is a universal insurance for children under Ping An.
Let's take a brief look at universal insurance first. It is a kind of financial management+security insurance, and the main insurance is generally financial management.
Generally speaking, agents say that this kind of products are super comprehensive, which can not only provide education, marriage, pension and other protection, but also provide universal insurance for serious illness, death and accidents. It should be noted that universal insurance is not as omnipotent as you think. Look at the buried wisdom star and you will know how deep the water is:
Let's objectively evaluate:
Let's talk about the content of wisdom star's financial management first.
It deposits the money saved by customers every year into the policy account to accumulate interest. Most products are also in this financial management mode, which is quite good.
However, every time you save a sum of money, you will deduct your joining fee. 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.
Moreover, there is a lot of uncertainty about its interest, and you are not sure how much you can get.
Ask for his assurances.
The basic guarantee of death insurance is 6,543,800 yuan plus the value of the policy account, which depends on your insurance contract. The most important critical illness insurance for health insurance is only 80,000 yuan, and the critical illness insurance and death insurance are still used together. In other words, after you solve the serious illness, the basic coverage of the main insurance is only 20 thousand yuan.
So I don't particularly recommend buying a safe wisdom star, which is not cost-effective. If you mainly want to buy insurance for your children, you'd better buy all health insurance such as critical illness insurance and medical insurance, and then buy financial insurance. I have screened some children's critical illness insurance products with high cost performance and worth buying. If necessary, I can collect it: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020