First of all, I don't advise you to buy universal insurance. The reason why I published an article in Internet Insurance Weekly has been clearly written. If you are interested, you can have a look.
Next, I will talk about how smart the star is, how much money he can get, and is it worth buying?
First, product evaluation | How about Ping An Smart Star?
Let me tell you something about the safety of smart stars:
As we can see in the picture, the most attractive features of this product are:
Can flexibly receive account value. Simply put, everyone can get the value of using the insurance account according to their own choice, which can be regarded as education fund, venture fund and wedding expenses. Under normal circumstances, most annuity insurance can't be collected at will, which is really attractive.
However, the disadvantages of smart stars are as follows:
1. It seems that the protection is comprehensive, but it is worrying.
(1) The insured amount is unreasonable. As shown in the figure, it is about the problems existing in the additional insurance of smart stars:
Not to mention the low protection of critical illness insurance, it is unreasonable to add one-time life insurance as an additional insurance in children's insurance, because life insurance is mainly configured for the pillar of a family and cannot play the role of children's life insurance; Do you know that the average cost of treatment for a serious illness here is 300 thousand? Assuming that the coverage of additional insurance with smart star is used, it is a drop in the bucket. If it is the parents who choose to buy because of the rich additional risks, please see clearly.
(2) Mild illness is not guaranteed.
Everyone should know that the concept of minor illness protection is derived from serious illness. A minor illness is not completely cured, and it is very likely to deteriorate into a serious illness. If a critical illness insurance has comprehensive protection for minor illnesses and allows consumers to completely treat diseases with the money from claims, the probability of suffering from serious illnesses will inevitably drop a lot.
Therefore, I have always suggested that we should set up mild symptoms. At present, the cost-effective critical illness insurance on the market is equipped with mild illness protection, while the wisdom star is not equipped with mild illness protection. This is really a pit.
2. The dividend yield is low. Let's look at the table below:
The initial cost described in the above figure is one of the management expenses deducted from the premium after the insurance company provides services for us; In addition to the initial cost, the guarantee cost of adding additional risks must be removed; Then let me calculate how much money is left in the universal account for you:
For example, a 27-year-old man insured the baby of a 0-year-old boy with a premium of 7,000 yuan. After deducting the management fee in the first year, the principal used to generate income is: (premium) 7000- (initial cost) 7000 * 35%- (guarantee cost) 1467 = 2033 yuan.
After the premium of 7,000 yuan was lowered several times, only about 2,000 yuan remained in the account;
It is also worth noting that the guaranteed interest rate of this insurance is 1.75%, even the interest rate of Yu 'ebao in Alipay is close to 2%, and the guaranteed interest rate of Wisdom Star is too low. The guaranteed interest rate is much lower than the market average interest rate, and more management fees need to be deducted from the premium. Attention, everyone!
There are many defects, so in order not to waste everyone's time, I won't give examples one by one; If you want to continue to understand what is missing, let's take a look:
Second, how much can I get by buying Ping An Smart Star?
Taking the premium of 7,000 yuan as an example, we calculate the guarantee income in the first year, then subtract the initial cost and guarantee cost in the first year, and then multiply the last money by the guarantee interest rate of Wisdom Star: (7000-3500-1467) *1.75% = 35.58. Finally, this price is the guaranteed interest you get in the first year.
If you rely on this part of the principal to manage your finances, parents who prepare funds for their children in the future may have to wake up.
3. Is Ping An Smart Star worth buying?
I don't suggest you start with universal insurance of Zhixing. It seems comprehensive, but it is better to buy a basic insurance.
I understand that parents are attracted by the word "universal", and the smart star function that can guarantee financial management is really perfect, but I want to say that it is difficult for an insurance to achieve the best of both worlds, even if it is called "universal insurance", it is not omnipotent; I still advise parents to complete the basic security first, and then consider financial management.
It is not terrible for a child to be ill. The terrible thing is that they have no money to treat them. Here are some popular critical illness insurance for children on the market. Can be compared: the top ten insurance companies "worth buying" critical illness insurance inventory!