The following sister will give you an in-depth evaluation! This article can help you get familiar with Hongkang Life Insurance. If you don't know, let's take a look:
How about Hongkang Life Insurance Company? Is the product good? 》
1. Is whole life insurance worth buying?
Li Hong whole life insurance's annual product form chart is as follows. Let's take a look first:
In whole life insurance, Li Hong allows people born over 30 days to be insured every year until their death.
Analyze Li Hong's advantages in whole life insurance in detail every year;
1, the insurance conditions are relaxed.
Not only is the age range of insurance wide, but Li Hong has fewer occupational restrictions on insurance in whole life insurance every year. 1-6 Everyone can be insured, just like people in high-risk occupations such as police and firefighters, they also have the opportunity to choose insurance.
At the same time, Li Hong has set different payment periods in whole life insurance every year. The insured can consider whether to pay in batches or annually according to their actual situation, and the longest payment time can reach 20 years, so that even different consumer groups with different budgets can meet the payment needs.
Moreover, Li Hong's annual insurance threshold in whole life insurance is relatively low, with 5,000 yuan for insurance, and young people with a small budget can meet the requirements.
Taking the rest of life insurance in the market as a reference, Li Hong's dominant position in the whole life insurance is particularly obvious. You can understand this by comparing the following list:
"Super complete! Domestic popular life insurance comparison table "
2. The insured amount can be increased for life.
As an increase of whole life insurance, Li Hong and whole life insurance can increase for life.
Effective from the second annual date of the policy, the effective insured amount will increase at the interest rate of 3.5% per year. For example, if the insured is alive all the time, the insured amount can be continuously increased. You can surrender your insurance in the future, so you can get a sum of money as a pension fund.
However, it should be noted that after the release of the new regulations on Internet life insurance, the insurance period of Internet life insurance that will be put on the shelves in the future is consistent with the actual duration, and the actual duration cannot be changed in disguise by refunding the premium or adjusting the cash value interest rate.
It can be understood that Internet life insurance will no longer provide benefits such as surrender and insurance reduction. By the end of 65438+February 3 1 this year, all existing Internet products have withdrawn from the market.
This is almost the same product of Li Hong and whole life insurance in 2008. We lost an opportunity by buying one of these insurance products.
If you want to choose, buy this insurance product quickly. For the top ten life insurance rankings, friends interested in insurance products can refer to:
Top Ten Life Insurance Rankings Worth Buying! 》
3. Policy benefits are practical.
Li Hong whole life insurance provides policy benefits such as policy loan, premium prepayment, reduction and annuity conversion.
It is worth mentioning that policy loans and annuity conversion.
Policy loan: if the insured is in urgent need of funds, he can apply for a loan with the policy, which can be up to 80% of the cash value of the policy and up to six months.
Annuity conversion: beneficiaries can also convert all or part of the insurance benefits they can get into annuities for capital appreciation.
Through overall understanding, the insurance conditions and coverage provided by Li Hong whole life insurance every year are very good. If you want to buy life insurance in the near future, I suggest starting with this product.
However, how much insurance coverage should Li Hong allocate in whole life insurance every year? Can you buy more copies?
Please continue reading!
2. How many whole life insurance should Hong Kang and Li Hong buy each year? Can I buy more copies?
On the whole, Li Hong whole life insurance has a high cost performance every year, and has advantages in increasing insurance coverage and policy rights, so it is worth buying.
Under normal circumstances, the same product is insured by the same insurance company, and a person can only insure one product, only himself or his immediate family members, such as father, mother and wife. You need to ask the insurance company before you apply for insurance.
As for the amount of insurance to be shared, this question is relatively simple.
Because there is a difference between life insurance and critical illness insurance, the maximum coverage of many critical illness insurance in the market is 700 thousand. Whole life insurance, on the other hand, is different. Because of the difference between the premium and the age of the insured, the insured can choose a million or even higher coverage.
However, senior sisters do not recommend blindly pursuing high insurance coverage. Of course, it is ok to have an adequate budget.
For example, the middle class with sufficient budget can buy the most suitable insurance amount if the budget and demand can be met.
Write it at the end
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