At present, the common financial products are incremental whole life insurance and annuity insurance. Look in detail: the most comprehensive list of wealth management insurance, which annuity insurance and increased whole life insurance are worth buying before delisting? 》
Let's see what are the better products:
1, annuity insurance
(1) Love Life Centennial Life Premium Edition
The amount and cash value of annuity are high, and the income is good, which has lifelong cash value and can better meet the needs of old-age care in the long-lived era.
Suitable for people who seek to ensure a long collection time or have longevity genes in their families.
(2) The Bright Life of Everbright Yongming (Hui Xuan Edition)
2 guarantee periods, 20-year guarantee, flexible policy, additional universal account for secondary appreciation, and support for additional insurance.
To meet the premium requirements, you can stay in Everbright Pension Community, and the entry threshold is low.
Friends who pursue product flexibility or have ideas about the old-age community.
Recently, the life growth has stopped selling, and these products are worth starting with.
2. Add whole life insurance
(1) Red plum is hyperactive.
Loose insurance, high cash value and low insurance threshold.
It is an incremental whole life insurance with excellent interest performance, which is very friendly to non-standard people and high-risk professional people.
People who pursue higher income, or people in poor health, or older people.
(2) Xintai Ruyi Zun 3.0
The insurance age is wide, it supports intergenerational insurance, the threshold for starting investment is high, the addition and subtraction are strict, and the insurance threshold is not low. It is a high-end product.
Suitable for high net worth people, or older people with property inheritance needs.
Before the end of the year, there were many changes in financial insurance.
The sooner the product is delisted, the better, which makes us unprepared.
If there is an insurance demand now, please ask your father to understand that it may be difficult to meet a better product in the future.
However, dad suggested that it is best not to blindly insure, find professionals to help insure and find products that suit you.
Write at the end:
I am a nurse, focusing on neutral, professional and objective insurance evaluation;
If the above content has not solved your problem, you can also come to the official WeChat account to consult me.
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Dad will spend less money and buy the right insurance.
If you want to choose the most suitable financial insurance, you can click on the link in the article and scan the code to find this father's insurance. Dad's insurance keeps up with the trend of the times, grasps the development trend, abandons the traditional insurance sales model of "selling to find customers" on the basis of knowing that the insurance demand is rigid, scattered and diversified, and is committed to organically combining the Internet model with the insurance business model.