Huagui Life Insurance is a national life insurance company approved by the former China Insurance Regulatory Commission. It is jointly established by China Guizhou Maotai Distillery (Group) Co., Ltd., Huakang Group, Guizhou Gui 'an Jintou and other companies.

What about the products of Luxury Life? Let's take whole life insurance, the home of Hua Gui Xin Ai E, as an example, to evaluate and see if this product is worth buying.

Before explaining the article, if you still don't understand the difference between increased whole life insurance and other types of insurance, you can take a look at this article first:

What are the differences between dividend insurance, universal insurance and increased whole life insurance? Which one is the most cost-effective?

1. How about whole life insurance, the home of Hua Gui Xin Ai E?

It is said that whole life insurance of Hua Gui Xin Ai E's home has excellent insurance coverage. Is it really good or not? Let's get to know it through its protection responsibility chart:

Next, Senior Sister will take you to know more about this product:

1. The insurance age range is wide.

The highest is the elderly who are over 3 years old, and the lowest is the elderly who are born.

This underwriting age is very broad, which is more humanized than most similar products on the market, that is, it can be bought for children as education funds or wedding money; At the same time, it can also be bought for the elderly, which is equivalent to a pension.

This point has to be said, whole life insurance of Hua Gui Xin Ai E's family does not stipulate which kind of people must buy, which is suitable for all ages.

2. Flexible payment period

Hua Gui Xin Ai E's whole life insurance payment period is very flexible, which is also a great advantage.

It supports wholesale /3 years /5 years /1 years /15 years /2 years, which meets the different needs of different groups of people.

For example, a rich friend can choose a wholesaler and pay the premium at one time, so it will be easier later.

If some friends have a tight budget, they can choose an acceptable payment period according to their own economic strength. It's so sweet!

If you don't know how to choose the payment period is the most cost-effective, 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

The initial investment set by whole life insurance, an e-home of Hua Gui Xin Ai, is 1, yuan. At present, the maximum amount of insurance for people aged -6 is 5 million yuan, and even those over 6 years old can insure up to 1 million yuan. Friends with high budgets prefer such a high amount.

It is worth mentioning that the insurance coverage of Hua Gui Xin Ai E's 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 the whole life insurance, which is a conscientious 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 deep research by Senior Sister, this product is even more powerful!

Second, there are still these bright spots in whole life insurance.

In addition to providing the above advantages, the advantages of whole life insurance of Huagui Xin 'ai E-home are shown in the following aspects:

1. Other guarantees are excellent

Not only basic guarantees are provided, but whole life insurance of Huagui Xin 'ai E-home also provides a number of guarantees such as insurance reduction, policy loan, settlement of reduction and multiple beneficiaries.

The interest of insurance reduction is very friendly to the insured, which allows the insured to withdraw cash flexibly, but for the policy loan, it can solve the problem that the insured is temporarily short of funds.

It's worth mentioning that a policy loan can get up to 8% of the cash value, and the longest loan period is half a year, which is not only related to credit investigation, but also does not require mortgage.

whole life insurance, the home of Hua Gui Xin Ai E, supports the binding behavior of multiple beneficiaries, which is indeed a feature that many insurance products do not have.

2. The increasing coefficient of insurance coverage is relatively high

whole life insurance, an e-home of Hua Gui Xin Ai, also gave the increasing coefficient of insurance coverage, which is currently 3.5%. Although this coefficient is not the highest value at present, it is definitely better than many products with only 3.3% or even lower coefficient.

and the incremental coefficient of whole life insurance's insurance coverage will not change, it is a fixed value, and its growth ratio is determined to be 3.5% when the contract is established.

Even if the interest rate of the whole country goes down in the future, the incremental coefficient of whole life insurance of Huagui Xin 'ai E will not be affected at all, and it has full advantages in stability and security.

Third, the summary of senior sister!

From the above analysis, we can draw the conclusion that whole life insurance, the home of Hua Gui Xin Ai E, has performed very well, which can be regarded as an increased whole life insurance with relatively high cost performance, and belongs to payment insurance, so it is possible to buy multiple copies.

So how much coverage is appropriate to buy? You should consider your own situation before starting. For example, if you are a friend with relatively average economic conditions, you just need to make sure that the coverage you buy is sufficient for you. If you are financially well off, you can buy more insurance coverage.

If you want to compare more excellent whole life insurance products, you can take a look at the list summarized by senior sister below:

"Fresh from the oven! Five High-yield Increases whole life insurance, Don't miss it!

Written at the end

I am a schoolmaster who talks about insurance and focuses on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to WeChat official account Xueba and ask me about insurance.

I will give you the most professional advice based on years of experience in configuring insurance for 1W+ families.

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