What about the products of luxury life? Let's take whole life insurance of E-home in Ai Xin as an example to evaluate whether this product is worth buying.
Before the article explains, if you still don't understand the difference between the increased whole life insurance and other types of insurance, you can take a look at this article first:
What is the difference between dividend insurance, universal insurance and increased whole life insurance? Which is the most cost-effective? 》
1. How about Hua Gui Ai Xin's E home in whole life insurance?
Hua Guixin loves E-home whole life insurance, and it is said that the guarantee is excellent. Is it really good? Let's take a look at it through its safeguard responsibility diagram:
Below, the senior sister will take you to understand this product in depth:
1, with a wide insurance age range.
The oldest is 80 years old, and the youngest is a baby born more than 30 days. Can be successfully insured in whole life insurance.
This underwriting age is very wide, which is more humanized than most similar products on the market, that is, it can be bought for children as education money or as wedding money; At the same time, it can be bought for the elderly, which is equivalent to a pension.
I have to say that whole life insurance of Hua Gui Ai Xin's E family has not stipulated which kind of people must buy it, which is suitable for all ages.
2. The payment term is flexible.
The whole life insurance payment period of Luxury Ai Xin E is very flexible, which is also a big advantage.
Support wholesale /3 years /5 years/10 years/15 years /20 years to meet the different needs of different people.
For example, rich friends can choose a sexual intercourse premium, and it will be easy in the future.
If some friends have a tight budget, they can choose an acceptable payment term according to their own economic strength. How sweet!
If you don't know how to choose the most cost-effective payment period, let's take a look at the expert's answer:
"How to choose the payment period so as not to lose money? 》
3. The maximum investment is 5 million yuan.
The initial investment amount set by whole life insurance, the E-home of Luxury Ai Xin, is 6,543,800 yuan. At present, the maximum insurance coverage for people aged 0-60 is 5 million yuan, and even for the elderly over 60 years old, the maximum insurance coverage can be 6.5438+million yuan. Friends with high budgets prefer such a high amount.
It is worth mentioning that the coverage of Hua Gui Xin Ai E whole life insurance covers 1-6 occupations, which means that even if the insured is engaged in some high-risk industries, it is no problem to insure whole life insurance, and it is a conscience product!
According to the above advantages, we can know that this product of Huagui Xin 'ai E-home whole life insurance can be called an excellent product, but after the in-depth research of Senior Sister, this product is even more powerful!
Second, whole life insurance, an e-home in Ai Xin, still has these bright spots!
In addition to providing the above advantages, the advantages of Hua Gui Xin Ai E whole life insurance are also shown in the following aspects:
1, other guarantees are excellent.
Not only does it provide basic protection, but whole life insurance, who loves E family, also provides a number of protection, such as insurance reduction, policy loan, compensation reduction, multiple beneficiaries and so on.
The right to reduce insurance is very friendly to the insured, which allows the insured to withdraw cash flexibly, but for the policy loan, it can solve the problem of temporary financial shortage of the insured.
It is worth mentioning that the maximum cash value of policy loans can reach 80%, and the longest loan period is half a year, which is not only related to credit reporting, but also does not require mortgage.
Whole life insurance of e-home in Ai Xin supports the binding behavior of multiple beneficiaries, which is indeed a function that many insurance products do not have.
2. The growth coefficient of insurance coverage is high.
Whole life insurance, the E family of Hua Gui Ai Xin, also gave the increasing coefficient of the insured amount, which is currently 3.5%. Although this coefficient is not the highest value at present, it is definitely better than those products with a coefficient of only 3.3% or even lower.
Moreover, the increasing coefficient of whole life insurance's insurance coverage will not change and is a fixed value. When the contract was established, its growth rate was determined to be 3.5%.
Even if the national interest rate goes down in the future, the increasing coefficient of Huagui Aixin's e-home whole life insurance will not be affected at all, and it has sufficient advantages in stability and security.
Third, the school sister summed it up!
From the above analysis, it can be concluded that the whole life insurance of Hua Gui Ai Xin E's family is very good, which can be regarded as an incremental whole life insurance with high cost performance, belonging to payment insurance and can be bought in multiple copies.
So how much insurance coverage is appropriate? It is necessary to consider your own situation before starting. For example, if you are a friend with relatively average financial conditions, you just need to make sure that the insurance coverage you bought is enough for you. If you are well off, you can buy more insurance.
If you want to compare more excellent whole life insurance products, you can look at the list summarized by this schoolmate:
"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;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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