The following sister will give you an in-depth evaluation!
Because there are many professional words involved in the following, we might as well learn some basic theories of insurance first, so that it will not be so difficult to understand the following:
Before buying insurance, you must first understand these key knowledge points! 》
1.202 1 whole life insurance product content analysis!
Before explaining the whole life insurance product content of 202 1, let's take a look at its safeguard content map:
From the content map above, we can easily see that whole life insurance, the heirloom of 202 1 China Life, is quite rich in content. Careful observation has many bright spots. Let's take a look at them:
(1) wide bowling
202 1 whole life insurance, a family heirloom, supports people born between 28 days and 70 years old to apply for insurance. It can be said that the age of insurance is very wide!
As we all know, most of the similar annuity insurance products on the market are set for the insurance age, and many of them cannot be insured if they are over 60 years old.
This shuts out consumers who are over-aged but have insurance needs and asset allocation ideas. However, whole life insurance, the heirloom of 202 1, has enlarged the age range of insurance and covered more people, which is very good!
(2) Death or high disability is guaranteed to be paid in installments.
202 1 heirloom whole life insurance's death or disability protection is paid in installments.
/kloc-If he died before 0/8 years old/was severely disabled, he shall be paid according to the higher premium paid/current price;
18-40 years old shall be paid according to the larger insured amount, 160% premium and current price;
4 1-60 years old shall be paid according to the larger insured amount, 140% premium and current price;
After 6 1 year old, pay according to the larger insurance amount, 120% premium and current price.
(3) aviation accident injury death or high physical disability protection
If the insured dies or is highly disabled before reaching the age of 75 due to accidental injury within 180 days from the moment he steps into the cabin door of the flight to the moment he arrives at the destination and walks out of the cabin door of the flight, he can also pay compensation according to the insurance amount at the time of the accident.
(4) Support policy loans
What we are going to talk about now is that 202 1 China Life Insurance is a family heirloom in the whole life insurance. As long as the policy is valid, you can apply for a loan as a guarantee. If supporting policy loans can meet the temporary demand for large amounts of funds, it means that if we need funds in an unexpected situation in the future, we can get some in time to solve the unexpected situation ourselves and not face an embarrassing situation. Supporting the operation of policy loans can fully meet our needs for asset management at all stages, so it is very flexible!
On the whole, whole life insurance, the heirloom of 202 1 China Life, has many bright spots. There should be many small partners who are tempted and ready to insure, but there are still some shortcomings in this product that need to be repaired. Let's take a closer look ~
Second, 202 1 enjoy the shortcomings of the heirloom whole life insurance!
202 1 whole life insurance, a family heirloom, has the following shortcomings:
(1) The increase ratio is not prominent enough.
202 1 China Life Insurance enjoys a 3.5% increase in whole life insurance coverage. In the current insurance market, 3.5% is a good interest rate. However, with the increasingly fierce market competition, more and more products are listed with an increase rate of more than 3.5%.
We take whole life insurance Hengqin Ishikawa 1 as an example. The insurance coverage of this product is increasing by 3.8%; There is also Hengqin Gold's products, which are gradually increasing according to the contrast of 3.99%, much higher than the heirloom whole life insurance of 202 1.
The higher the increase, because the longer it takes, the more benefits you will get in the future. In the future, whether it is marriage, education or pension, you can get enough financial support. Obviously, 202 1 National Day is not perfect enough to enjoy the family heirloom in whole life insurance.
(2) The optional payment period is less.
202 1 whole life insurance, a family heirloom, you can choose several payment years, only three years, 10 years, 20 years. There are not many options for installment payment, and wholesale delivery is not supported.
Wholesale payment can be understood as paying all the premiums at one time, which saves a lot of trouble, and you don't have to pay the premiums every year, and you don't have to worry about the invalidation of the policy. It is more suitable for investors with abundant capital flow or high income but unstable.
Compared with annual payment and batch payment, the former is more flexible, and we can choose the appropriate payment period according to our own premium budget and subsequent changes in economic strength.
A variety of payment years can meet the needs of different groups of people, and the characteristics of different payment years also have their own characteristics. If you are not particularly familiar with the above analysis, you may wish to take a look at this popular science article:
"How to choose the payment period so as not to lose money? 》
Summary:
On the whole, the neutral price of 202 1 China Life in whole life insurance is relatively low, and the guarantee is comprehensive, but the increase ratio is not high and the payment period is short, so it is not worth buying.
For those who are looking for more practical insurance, Senior Sister still suggests comparing other products. Senior sister sorted out a lot of value for money, to ensure a solid whole life insurance. You can choose the best one here:
"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.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!