Huagui Life is a national personal insurance company approved by the former China Insurance Regulatory Commission. It was jointly established by China Kweichow Moutai Distillery (Group) Co., Ltd., Huakang Group, Guizhou Gui'an Financial Investment and other companies.

What about Huagui Life’s products?

Below, I will take the Huaguixin Ai e-home whole life insurance as an example to evaluate it to see if this product is worth buying.

Before explaining the article, if you still don’t understand the difference between incremental whole life insurance and other types of insurance, you can read this article first: "What are the differences between financial insurance such as participating insurance, universal insurance, and incremental whole life insurance?"

Which one is the most cost-effective to buy?

》1. How about Huaguixin Ai e-home whole life insurance?

Hua Guixin Ai e Family Whole Life Insurance is said to have excellent protection. Whether it is really good or not, let’s first find out through its protection liability chart: Next, I will take you to learn more about this product: 1. Age range for insurance

A wide range of people, up to 80 years old, and babies as young as 30 days old, can successfully insure Hua Guixin Ai ejia whole life insurance.

This insurance covers a very wide age range and is more user-friendly than most similar products on the market. It can be purchased as an education fund or wedding fund for children; it can also be purchased for the elderly, which is equivalent to a pension.

This point has to be said. Huaguixin Ai e-family whole life insurance does not stipulate which group of people must buy it. It is suitable for all ages. 2. The payment period is flexible. The payment period of Huaguixin Ai e-family whole life insurance is very flexible, which is also a major advantage.

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Support single payment/3 years/5 years/10 years/15 years/20 years, solving the different needs of different groups of people.

For example, wealthy friends can choose to pay the premium in one lump sum, and then it will be easier in the future.

If some friends have a tight budget, they can choose a payment period acceptable to them based on their own financial strength, which is really considerate!

If you don’t know how to choose the most cost-effective payment period, you might as well take a look at how experts answer: "How to choose the payment period so as not to lose money?"

》3. The maximum insurance amount that can be invested in Huaguixin Ai ejia whole life insurance is 10,000 yuan. Currently, the maximum insurance amount for people aged 0 to 60 is 5 million yuan. Even seniors over 60 years old

For groups, you can insure up to 1 million yuan, and friends with high budgets prefer such high amounts.

It is worth mentioning that the insurance coverage of Huaguixin Ai ejia whole life insurance covers occupations 1-6, which means that even if the policy holder is engaged in certain high-risk industries, it is no problem to insure this whole life insurance.

A conscientious product!

Based on the above advantages, we can understand that the Huaguixin Ai e-home whole life insurance product can be called an excellent product, but after in-depth research, the senior sister found that this product has even more advantages!

2. Huaguixin Ai ejia whole life insurance actually has these highlights!

In addition to providing the above advantages, the advantages of Huagui Xin Ai e-Home Whole Life Insurance are shown in the following aspects: 1. Other excellent protections not only provide basic protection, Hua Guixin Ai e-Home Whole Life Insurance also provides insurance reduction, policy loans, reduction

Multiple guarantees such as full payment of the balance and multiple beneficiaries.

The benefit of policy reduction is very friendly to the policy holder and allows the policy holder to withdraw cash flexibly, but for policy loans, it can solve the problem of temporary financial constraints of the policy holder.

It is worth mentioning that for policy loans, you can get up to 80% of the cash value, and the maximum loan period is half a year. Not only does it not involve credit problems, but it does not require a mortgage.

Hua Guixin Ai e Family Whole Life Insurance supports the binding of multiple beneficiaries, which is indeed a feature that many insurance products do not have.