First of all, let's learn what insurance is in whole life insurance:
Can you manage your finances and have security at the same time? Is this the added whole life insurance?
1. What is the performance of Ding Cheng's increased life span?
Still that step, if you want to understand the product more intuitively, you must first look at the product outline drawing:
1, the threshold is low, you can buy it.
From the terms, we can know that although the insured is 28 days to 65 years old, the insured can actually be 80 years old, that is, when you live to 80 years old, it is also possible to buy whole life insurance for your children at that time. If you have enough money now, but you are not at ease with future generations, the money can be inherited by future generations.
The payment period is simply too flexible, which provides a guarantee for wholesale payment, annual payment and monthly payment 100 yuan. Even migrant workers can buy anything without money every month, and give full consideration to their own pension. In the future, the problem of housing prices will only become more and more expensive, and the pressure on children will become greater and greater. If you rely entirely on future generations to help provide for the elderly, you will only be unable to afford the expenses at home, so you must be prepared for your own needs for the elderly.
2. Flexible collection
In whole life insurance, when the insured dies or is totally disabled, the insurance company should pay the insured a fixed amount of insurance money. If you are in urgent need of money, surrendering your insurance and getting cash value is the only way to deal with the urgent need of money. Ding Cheng's Lightning Edition, on the other hand, has the feature of increasing lifetime insurance coverage. Although the amount of insurance has been reduced and some money has been obtained, the amount of insurance will continue to rise in the later period, and this product can be collected flexibly. After reducing the insurance amount, the annual minimum insurance premium should be 1 ,000 yuan, and the monthly minimum insurance premium should not be less than 1 ,000 yuan. You can buy it as a pension or investment, or you can give it to your child.
For example, Ms. 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.
From the age of 0 to the age of 10, the monthly fixed investment is 1500 yuan, which adds up to 1800 yuan. Reading and education cost a lot, especially when children are adults. The accumulated annual value of 265,000 yuan can be reflected in this policy, and it is completely possible to reduce insurance and receive education funds from this money. In the future, when the baby is going to get married or needs to start a business, lowering the insurance coverage can make you collect some money. For more information, please see the figure below:
I won't do the demonstration calculation for the rest. Interested friends can click the following link:
Ding Cheng has increased the income calculation of multi-lightning version, and he can earn this number steadily in three years!
Second, the overall evaluation of Ding Cheng's increasing life with multi-lightning version.
There are more and more Ding Cheng. The lightning version of extended life insurance has fewer restrictions and there is no fixed limit on the payment period. The minimum monthly payment is 100 yuan. Because of its low threshold, most people can afford it. After all, Yanbao whole life insurance can not only leave a guarantee for his family, but also make plans for his future pension and give this guarantee as a gift in advance.
And the income is good. After all, it is financial insurance. After calculation, the annual premium of a 30-year-old male is 30,000 10 year, and the IRR reaches 3.62 17% when he retires at the age of 60. This is undoubtedly a competitive product. However, when configuring insurance, we must have our own views, make comprehensive comparisons, and then choose the best insurance.
Recommend to all friends an insurance as excellent as Dingcheng's lightning wealth management insurance. You can compare it independently:
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