The insurance product plans to take Taikang Futai 1 whole life insurance (universal type) as the main insurance, and Taikang additional health insurance critical illness insurance and Taikang additional benefits win Tianfu old-age insurance as the additional insurance.
Many friends saw this product structure and asked their senior sister, "Can Taikang Health Tianfu Insurance Product Plan meet the insurance demand?" Today, Senior Sister will show you whether the guarantee of this product is good or bad ~
Because this product is based on whole life insurance, whole life insurance is a kind of life insurance which is different from term life insurance. You can read this article first to learn about life insurance:
What's the difference between term life insurance and whole life insurance? Senior sister tells you! 》
1. Revealing the Protection of Taikang Health Tianfu Insurance Product Plan
Let's take a look at the product evaluation chart first:
1. Guarantee liability of the main insurance contract
Taikang Health Tianfu Insurance Product Plan's main insurance (whole life insurance) protection responsibility provides death protection, and there are two cases of compensation.
If the insured dies due to accidental injury or other reasons, the insurance company will provide the effective insurance amount of this contract after the effective date of this contract 180 days.
If the insured dies for reasons other than accidental injury within 180 days from the effective date of this contract, the greater of the policy account value and the basic insurance amount of this contract shall be selected for compensation.
The setting of the responsibility of the main insurance is particularly simple. Many whole life insurance in the market have not only death protection, but also total disability protection, policy holder death/total disability exemption protection (the insured and the insured are not the same person), or increased passenger and aviation accident death/total disability protection.
2. Additional critical illness insurance responsibilities
Many friends saw that Taikang Health Tianfu insurance product plan has additional critical illness insurance, and they thought that the protection must be very strong, but it is not ~
Taikang additional health-care critical illness insurance only includes death insurance and critical illness insurance, and the protection given to consumers is actually nothing more than meeting the demand.
A good critical illness insurance not only covers 28 high-risk critical illnesses stipulated by the CBRC (the rest of which are flexibly played by insurance companies), but also provides light/moderate illness protection corresponding to high-risk critical illnesses, and the proportion of light/moderate illness protection should reach at least 30% and 60% of the basic insurance protection.
In addition, the critical illness insurance preferably includes additional compensation for critical illness and multiple compensation for malignant tumor-severity. Only in this way can we give the insured a more solid guarantee.
It's just a pity that even if the critical illness insurance is attached, the protection of Taikang Health Tianfu Insurance Product Plan is relatively general. If you have the insurance demand of critical illness insurance, Senior Sister suggests looking at other critical illness insurance products on the market.
3. Additional double insurance liability
The so-called "double insurance" means "keeping alive and keeping dead", that is, no matter whether the insured dies during the insurance period, there is corresponding protection.
At present, Taikang's additional benefits in Taikang Health Tianfu Insurance Product Plan win Tianfu Old-age Security, and the security responsibility holds survival insurance and death insurance. This setting is relatively normal, and it is not much different from the two all-insurance products we usually see.
The above is the guarantee of Taikang Health Tianfu Insurance Product Plan. Friends who want to know more about the product can also read this article:
Is Taikang Health Tianfu Insurance Product Plan Really Worth Buying? Look before you buy it! 》
2. Precautions for Taikang Health Tianfu Insurance Product Plan
1. Choose universal insurance carefully.
Most friends may have taken a fancy to the "universal insurance" of the main insurance in Taikang Health Tianfu Insurance Product Plan, so they want to start with this product.
But remind everyone that universal insurance is actually very complicated. Taikang Futai 1 whole life insurance (Universal) also clearly stated in the terms of the contract that in fact, every premium paid by consumers (transfer/wholesale/add-on) needs to be deducted from the initial fee 1% before it can be included in the value of the policy account.
Furthermore, the insurance company will deduct the protection fee from the policy account on a monthly basis.
It shows that in the way of universal insurance, the main insurance income of Taikang Health Tianfu Insurance Product Plan may not be as commendable as people think.
2. The additional insurance payment period is 20 years.
However, in the case of product plan, the payment period of Taikang additional health care and critical illness insurance and Taikang additional benefits win Tianfu old-age security is set at 20 years, and there is no other choice.
Although this payment period is relatively long, the premium to be paid each time will be relatively small, which can effectively alleviate our temporary economic pressure. However, there is no other payment term choice, and the flexibility of choice is quite poor.
Generally speaking, the protection of Taikang Health Tianfu insurance product plan is not so good, and the optional flexibility of payment period of additional insurance is particularly low. In addition, from the perspective of a universal insurance, this product is not necessarily the best choice for us to maximize our wealth.
If you want to have a more stable financial income, you can look at other increased whole life insurance products on the market. Senior sister has also compiled several good increase whole life insurance, you may wish to have a look:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
Write it at the end
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