Before starting this article, let's first understand what is incremental whole life insurance:
What is full life insurance that can manage money and increase profits? Is it worth starting with?
1. What is the performance of Ding Cheng's increased life span?
As usual, let's take a look at Ding Cheng's whole life insurance product protection diagram with lightning version:
1, the threshold is low, you can buy it.
It can be seen from the insured age that the age of the insured ranges from 28 days of birth to 65 years old, and the insured can reach 80 years old. What does this mean? That is to say, even at the age of 80, you can still buy a whole life insurance with a steady increase and a lightning increase for your children. If you have a sum of money in your hand and don't worry about future generations, it is also a property left to future generations.
The payment period can be said to be very flexible, supporting three forms: wholesale payment, annual payment and monthly payment 100 yuan. Even wage earners don't have much pressure to pay, so they don't have to worry about their future pension problems. The pressure on housing prices will only increase in the future. If we put the demand for old-age care on future generations, it will only increase the burden on families. Therefore, when you still have the ability to make money, it is better to plan your old-age security in advance.
2. Flexible collection
Generally speaking, in whole life insurance, when the insured dies or suffers from general disability, the insurance company should pay a fixed amount of insurance money. If you need money urgently in an emergency, you can only get it back by surrendering. However, the whole life insurance premium increased by Dingcheng can be increased. Therefore, even if the insurance is reduced, the insurance premium will continue to increase after a part of the amount is taken out. And this product can be collected flexibly, unlimited times. After risk reduction, the annual premium shall not be less than 1 ,000 yuan, and the monthly premium shall not be less than 1 ,000 yuan. It can be used as both a pension and an investment.
For example, Xiaohua just gave birth to a baby this year and has little spare money. She can also save 1500 yuan from her daily consumption every month.
Since the child is 0 years old, he has invested 1500 yuan every month. By the time he was 65,438+00 years old, the accumulated insurance premium was 654.38+0.8 million yuan. When the baby 18 years old needs money for education, 265,000 yuan is the accumulated cash value of this policy every year, which can be deducted from this money and used as an education fund. In the future, if a child needs a sum of money to start a business or get married, it can also be reduced or exempted. For details, please browse the picture below:
There are other concrete benefits, so I won't count them. Let's take a look at the following article:
Ding Cheng increased the income calculation of the lightning version, ensuring that he can earn so much in three years!
Second, the overall evaluation of Ding Cheng's increasing life with multi-lightning version.
There are more and more Ding Cheng. There are few insurance restrictions in whole life insurance, and there is no fixed limit on the payment period. The minimum monthly payment 100 yuan is low, which is very good for many people and most people can afford it. The advantage of increasing the quota in whole life insurance is that it can not only leave a guarantee for the family, but also plan for the future pension as a guarantee for itself. As a wealth management product, the income is ok. After calculation, the premium for a 30-year-old male is 30,000 yuan per year, divided into 10 years. When I retire at the age of 60, the IRR reaches 3.6265,438+07%, which is very good. However, you can't blindly follow suit when buying insurance. You must look around and find the insurance that suits you best.
In addition to the lightning version of Dingcheng, there are many high-yield financial insurance on the market. You can compare it independently:
Want to buy high-yield financial insurance? Don't miss this 10 model again!
Write it at the end
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