On December 5, a wave of high-yield increase in lifetime life insurance was removed from the shelves. What financial management insurance products are left?
Today introduces a lifetime care insurance: Kunlun Health 's Lexiang Year-on-Year Lifetime Care Insurance, also known as Zengduoduo No. 3 Increased Lifetime Care Insurance.
It is another insurance product that has both protection and financial management attributes after the increase in lifetime life insurance.
01. First look at insurance liability
From the above figure, it can be seen that insurance liability mainly includes two items:
1 is disease death insurance , which means that the insured died of the disease. The insurance company pays the insurance money to the beneficiary. The calculations vary according to different ages. In short, all accumulated premiums are paid at least, which is several times the premium at most;
2 is long-term care insurance , which means that the insured loses his daily life ability and the continuous observation period ends. The insurance company pays the insurance money to the insured himself. The compensation standards are basically the same as death compensation.
Regarding the loss of daily life ability, requires a certificate issued by the hospital or appraisal institution, and is in line with the inability to independently complete three or more of the following six basic daily life activities.
Six basic daily life activities:
1. Dressing: You can wear clothes and take off your clothes yourself.
2. Move: From one room to another by yourself.
3. Action: Get on and get on and off the bed or get on and off the wheelchair by yourself.
4. Use the toilet: control your urine and defecation.
5. Eat: Take the food from the prepared bowl or dish and put it into your mouth.
6. Take a bath: Take a shower or bath yourself.
observation period refers to a period of 180 consecutive days from the date when the insured person is diagnosed to lose his ability to live daily.
also has an optional liability: the policyholder is exempted, which means that if the insured dies or is completely disabled during the payment period, he or she does not need to pay the subsequent premium, and the insurance liability will continue to be valid. This is a humanized design unique to insurance products.
02 product highlights
insurance amount can be delivered 3.5% year by year, and the insurance policy can apply for partial insurance reduction and receive cash value.
, like the increase in lifetime life insurance, has a high cash value and can obtain financial management income of nearly 3.5% in the long term. When needed, part of it can be withdrawn every year through the form of insurance reduction to achieve the purpose of education funds and pensions, or treat it as a long-term deposit.
Since it has financial management attributes, it should be compared with other related products. Let’s see how yield :
Take a 30-year-old man who pays 5 years and pays 100,000 yuan per year as an example:
compared with the first-tier models that increase lifetime life, Lexiang’s annual characteristics are slower to recover, and the 9th year of return, but the later returns are very considerable. The products that surpass the first-tier models, the first few that compare have been removed before December 5.
03 Insurance Rules
Insurance Rules are as shown in the above table. The payment period is very flexible. You can pay it at one time, or you can pay it in 3 years, 5 years, 10 years, 15 years, and 20 years. The starting point of a clearance of 50,000, and the annual payment of at least 10,000 yuan is required.
04 Other benefits
premium is more than 500,000 yuan, you can sell Kunlun Health Honeysuckle Long-term Care Insurance (universal type), with a guaranteed return of 3%, and the current settlement interest rate is 5%.
Multi-purpose energy insurance mainly focuses on the current settlement interest rate, but this is not guaranteed, and early deposits and withdrawals require handling fees, which is also suitable for long-term holding, at least for more than 5 years.
05 summary
Lexiang Nian Nian is a lifelong care launched by Kunlun Health Insurance urn. In addition to having death and disability protection, it also has good wealth quality and value-added attributes.
Kunlun Health is a professional health insurance company. The difference from other life insurance companies is that it cannot sell life insurance products such as increased lifetime life insurance and annuity insurance, so it launches a health insurance product with similar functions.
This product is suitable for young people to prepare for long-term pensions. It is more flexible than annuity insurance and increases disability protection compared with increased lifetime life insurance. The core function is still a financial management tool with a compound interest of nearly 3.5% for a long time.
The essence of insurance is to solve future financial problems, which is to prepare to save some money as soon as possible to deal with the financial needs brought about by future uncertain risks.
