The product "Love Life Patron Saint 2.0" has a good reputation. The compound interest rate of the insured amount is 3.6%, which can not only manage finances but also meet the needs of long-term savings.

Many people started to stare at the Love Life Patron Saint 2.0, and then the senior sister took everyone to talk about this product.

Before we start talking about this insurance, let me first talk to you about the concept of incremental whole life insurance: "What is the meaning of incremental whole life insurance that can not only manage finances but also provide protection?"

Is it worth buying?

》1. How does the Patron Saint of Love Life 2.0 perform?

What are the benefits?

Let me share with you a product form diagram first: 1. Flexible insurance reduction and cash withdrawal. Love Life Patron Saint 2.0 is the incremental whole life insurance mentioned above. Increased whole life insurance can be partially terminated, and then the insurance can be reduced and cash withdrawn.

As a result, it is equipped with the characteristics of growth and flexibility. The Patron Saint of Love Life 2.0 has no limit on the number of times you can receive it, but the premium after reducing the policy is limited. You can see the figure below for details: And because of the feature of growth, if you reduce the policy and withdraw cash

Yes, the insured amount will increase in the future.

Therefore, it is very suitable whether it is used to invest in children's learning, or needs to be dealt with when you are short of money, or reserved for retirement.

Let’s take a practical example: Ms. Wang just gave birth to her own baby this year, and configured a Love Life Patron Saint 2.0 for her 0-year-old baby, with an annual premium of 100,000 yuan, payable in five years.

A policy requires a premium of 500,000 yuan, so when the child reaches 20 years old and needs to go to college, the cash value has reached 920,000 yuan. After reducing the insurance premium and withdrawing 100,000 yuan as an education fund, the cash value will still be 710,000 yuan.

And it will grow in the future.

See the picture below for details: After reading this calculation diagram of the Patron Saint of Love Life 2.0, do you think it’s pretty good?

Let’s take a look at the benefits: Love Life Patron Saint 2.0 Increased Whole Life is mainly based on the effective insured amount and 3.6% annual compound interest to lock in a lifetime interest rate. This aspect is actually written into the terms.

In fact, compared with the previous figure of Patron Saint of Love Life 2.0, we know that in fact, by the eighth policy year, the cash value has already reached 610,000, and the principal has been returned, even if it is refunded

If it's guaranteed, then there won't be much of a problem.

Let’s take a look at the last column of the benefit calculation chart. Even if we had to reduce the insurance and withdraw cash midway, when Ms. Wang’s child reaches 80 years old and surrenders the insurance, the total amount will be

You can get more than 5.6 million yuan, which is a lot of money. It can give you a comfortable life in your old age, and it can also be used to pass on to your children.

The other seniors will not go into too much detail. There is a detailed explanation at the bottom of the article. Friends who want to know may wish to take a look: "Love Life Patron Saint 2.0 Lifetime will be discontinued soon. After calculating the real benefits, I was shocked!"

》2. Is Love Life Patron Saint 2.0 worth buying?

How to buy the right one?

The overall performance of Love Life Patron Saint 2.0 is worthy of praise. The interest rate is locked and guaranteed for life. The annual insurance premium will increase by 3.6%. This interest rate is already very good in the market.

Now it not only supports policy reduction and cash withdrawal, but also supports conversion to pension annuity. Therefore, the protection liability of Love Life Guardian 2.0 can still meet the needs of many people and is worth buying.

How to decide which one is suitable to buy depends on what you need. Love Life Guardian 2.0 can be insured for at least 1,000 yuan of insurance every year. Even working people with little spare money can choose to invest in one for themselves.

, prepare in advance for retirement.

If you have sufficient budget at present, you can also buy a higher insured amount and use it as a cash flow planning tool. This will provide sufficient protection for unexpected changes, and it can also be left for future generations to inherit.