1. Happy life, happy wealth, 2.0 What does whole life insurance guarantee? Clause analysis
Guaranteed age: 30 days after birth (inclusive) -70 years old
Warranty period: life.
Payment period: wholesale payment, 3 years /5 years /6 years /7 years /8 years.
Effective coverage: 3.50%
Death or total disability insurance:
/kloc-before the age of 0/8: pay the death insurance premium with the greater of the paid insurance premium and cash value.
After the age of 18 and within the payment period: cash value paid or insurance premium paid * payment ratio, whichever is greater.
After reaching the age of 18 and the payment period expires: the cash value paid, the premium paid * the payment ratio or the greater of the insurance amount in the current year.
Among them, the payment ratio is 18-40 years old 160%, 4 1-60 years old 140%, and 6 1 years old and above 120%.
Death or total disability insurance can be paid in one lump sum or converted into annuity.
Policy rights and interests: policy loans, insurance relief, claim relief, etc.
Second, happiness, life, happiness and wealth. 2.0 How about whole life insurance? What are the advantages?
1. Stability: wealth growth
From the second policy year, the effective insured amount will increase by 3.5% compound interest every year according to the basic insured amount (see clause).
2. Flexibility: Leading Fund
Happy life, happy wealth, enjoy 2.0 whole life insurance can apply for a policy loan, or get back the cash value by applying for reducing the basic insurance amount. (To meet the requirements of this product) By flexibly planning the allocation of funds, it can supplement various financial needs of families.
3. Safety: a clear guarantee.
The insured amount and cash value of happy life, happy wealth and enjoying 2.0 whole life insurance can be confirmed and written into the insurance contract at the time of insurance, effectively resisting market fluctuations.
3. Happy life, happy wealth, and enjoy 2.0. How much can whole life insurance get? Is it reliable?
We take a 30-year-old woman as an example, and choose to pay for 5 years, and pay 6,543,800 yuan per year. The basic insurance amount is 444563 yuan. The income she can earn is as follows:
The above is the case that insurance has not been reduced.
As you can see, when her payment period just expired, the current price of the policy has exceeded the premium paid, and the funds have been withdrawn.
When she is about to retire at the age of 55, the current price of the policy has reached 1033925 yuan, which is more than twice the premium paid!
75 years old, the current policy price has reached 2057220 yuan, more than four times the premium paid!
During the period, she can also supplement her social security pension by applying for insurance relief, and live a more diversified and rich high-quality old-age life.
Note: The above content is only a product demonstration. Please refer to the insurance contract and terms for specific insurance responsibilities and matters not covered. Under the agreed circumstances, the insurance company does not bear the insurance liability. Please pay attention to the disclaimer in the terms. Insurance companies shall not illegally sell non-insurance products or participate in illegal fund-raising.
Generally speaking, Happiness Life enjoys a 2.0 whole life insurance of happiness wealth, which is more reliable, with flexible insurance coverage, stable growth, comprehensive guarantee responsibility, effective policy rights and interests, and rapid growth in cash value. Although its underwriting company's happy life is not well-known, its comprehensive strength is not bad. Founded in 2007 and headquartered in Beijing, it is a typical state-owned holding enterprise with a registered capital of1065438+300 million yuan. Far more than the registered capital of the China Banking Regulatory Commission insurance company is 200 million yuan. According to the solvency data of Happiness Life in the third quarter of 2022, the core solvency adequacy ratio is 85.36% and the comprehensive solvency adequacy ratio is 15 1.82%, all of which meet the regulatory standards of China Banking Regulatory Commission and can be regarded as strength insurance companies.
If friends have long-term asset financial planning and pension planning, they can still consider happy life, happy wealth, and enjoy the life extension products of 2.0 whole life insurance.