1. Classification of life insurance
There are five types of life insurance, namely life insurance, regular life insurance , life and death insurance, pension insurance, and survival insurance .
1. Life insurance is called "lifelong life insurance". It is an unspecified death insurance. As long as the insurance takes effect, it will last until the insurer dies. Of course, people will die. The insurance premium of life insurance is finally given to the insurer. Because the insurance period is long, its rate is higher than term insurance and has a savings function.
2. Term life insurance refers to the insured's death during the period specified in the filing, and the deceased beneficiary has the right to receive insurance premiums. If the insured has not died within the insurance contract period, the insurer will not refund the insurance premium and pay the insurance amount. This insurance provides protection for the insured during the dangerous period.
3. Life and death insurance is a combination of life and survival insurance, which means that the insured dies during the contract period, so the beneficiary can receive death insurance. If the insured continues to survive until the expiration of the contract, the insured can receive the life insurance of the contract expiration of the contract. This insurance is the most common commercial life insurance in the market.
4. Pension insurance is composed of survival and death insurance, and is a special form of life and death insurance. The insured can obtain insurance whether it is survived until the expiration of the insurance period or the death period. This not only solves the economic pressure brought by the insured family members, but also obtains pension funds at the end of the insurance period.
5. Survival insurance requires the insurer to survive until the expiration of the insurance period stipulated in the contract to receive the insurance amount. If the insurer dies during the insurance period, he cannot get the insurance money back, and of course the insurance premium cannot be recovered.
2. The role of life insurance
1. Medical insurance
The high medical expenses and declining living environment in contemporary society are also difficulties faced by people. If you take out additional medical life insurance, it can avoid sudden medical risks and can also be used as a supplementary form of social security.
2. Savings and value-added
Some life insurances can be used for investment and savings, and their insurance uses mandatory savings can be used for value-added, pension, and storage, and their income is not comparable to that of bank returns.
3. Property arrangement
When the insured's property needs to be given, distributed, and transferred, insurance is your best choice. Insurance will handle the property according to the insured's wishes and be protected by law.
4. Marriage protection
If there is divorce and separation, the policyholder's insurance can be divided without legal procedures, which is very necessary and guaranteed for many people.
5. Life Insurance
When the economic income is relatively considerable, you can leave some money to buy life insurance to protect the family's losses and ensure that the family will not fall into trouble due to bankruptcy, investment mistakes, lending without exchange, debt disputes, etc. It can provide protection for future family life.
Let’s take a look at a case
In 2013, Mr. Guo had major disease insurance .7 million, and was 37 years old. He truthfully informed his health when signing the insurance contract. Underwriting agreed to the insurance for Party A. In 2016, Mr. Guo accidentally discovered the right thyroid nodule. He did not pay attention to the symptoms of the lump at that time. In November, he was diagnosed with the hospital for hypoechoics on the right thyroid gland, enlarged lymph nodes on the right side of the B-ultrasound, and cold thyroid nodules on the right side of the CT, and the lymph of papillary thyroid carcinoma was metastasized after the operation. After investigation by Beijing branch, the life insurance company paid the insured 700,000 yuan in insurance for major diseases to the insured, and the insurance contract was terminated.
always accompany A lifetime insurance: 6 major product features + 7 great value benefits, giving you a certain future! (Attachment: Insurance Guide)
In an era when rigid redemption is being broken and in an era when long-term fixed income assets are scarce, where is there a product that can not only provide long-term stable returns, but also avoid personal risks; it can not only lock in the period of 100% to life, but also not lose liquidity? Pacific Life Insurance "Long-Full A-Rigid Solution for Wealth Guarantee. "Long-Full A" is such a sincere and upstream product, helping you who work hard to create wealth, protect and manage wealth well, and meet the multiple needs of wealth protection, pension, children's education and inheritance. ① Wealth protection: Ensure long-term returns and security; ② Flexibility: Flexible response to pension, education and out of time; ③ Inheritance: Rigid commitment to ensure rated growth and ownership of rights and interests
core features of A-style life insurance:
3 High: combines high current price, high returns, and high value (locks wealth and value protection)
2: loan life, receive life. (Flexible funds, quickly monetize!)
1 Determination: Write into the contract to ensure determination (long-term companionship, worry-free choice!)
0 Product Type Traditional insurance (fixed increase in insurance amount)
★ Pricing rate 3.5%;
★ Insurance range 30 days-65 years old;
★ Insurance period Lifetime;
★ Payment period Single payment/5/10/15/20 years;
★ Insurance liability Death or full disability insurance: the effective insurance amount of
is increased by 3% every year. Before
18, the greater the premium paid and cash value are paid;
18-60 years old, the greater the valid insurance amount, cash value, and premium paid *1.6 times; after
60, the greater the valid insurance amount, cash value, and premium paid *1.2 times the premium paid.
wait period is 180 days, and the responsibility during the waiting period is different, and the specific terms shall prevail.
—— 6 major product features——
⒈ High value
protection amount increases by 3% every year , from the first year to life, the value has continued to grow!
5 million insurance is exempt from physical examination, and 65-year-olds can still be insured to meet the wealth inheritance needs of high-net-worth individuals!
⒉ High current price
0 Cash value has grown rapidly, 10 years of guaranteed capital in 10 years, up to 80% of the cash value can be loaned, use it if you want to use it, and quickly monetize it.
⒊lock profit
A contract locks in the future, giving you stable happiness!
Children's education, quality pension, and receive it on demand.
⒋Stable inheritance
Traditional lifetime life insurance, all benefits are 100% certain, and the assets are more certain.
has no rejection, no loss, no disputes, and the inheritance is more certain.
⒌ Orderly obtains
Designate beneficiaries, specify the beneficiary methods and specify the benefit amount.
Insurance conversion annuity can change the amount to prevent beneficiaries from squandering.
⒍Enjoy worry-free
Attached policyholder insurance premium exemption from major disease insurance (2018 edition). Faced with major risks, wealth plans are not affected.
-- Insurance Example --
Mid-range client children's education + pension plan (parents insured for their children)
0-year-old men pay 5 copies in 10 years, paying 46,400 yuan per year.
√ 1. High leverage: If you pay 46,400 yuan in the first year, you can get a 500,000 yuan in the first year, and the effective insurance amount will increase by 3% every year (compound interest increase).
√ 2. Current price: The payment period ends, the current price is greater than the insurance premium paid;
√ 3. High school education fund : 150,000-172,000/year, receive 60,000;
√ 4. University education fund: 180,000-215,000/year, receive 200,000;
√ 4. University education fund: 180,000-215,000/year, receive 200,000;
√ 5. Entrepreneurship marriage bonus: 30 years old, receive 150,000;
is in the growth stage of children, meeting the needs of education, marriage and entrepreneurship.
√ 6. Pension: From 60 to 100 years old, receive 36,000 yuan per year (equivalent to receiving 3,000 yuan per month) pension, which can be collected for life;
√ 7. Inheritance money: After a hundred years, there will be a 1.67 million yuan worth of value, passed on to future generations.
0 cash value continues to grow and the growth rate is stable, inheritance is safe and worry-free;
At the same time, customers can also apply for insurance policy loans to improve funding flexibility.
looks like a companion, and is loved by thousands of people. It is a perfect product and you deserve it!
The demonstration data of this article is for reference only. For specific insurance policy benefits, please refer to the policy contract and contact a professional insurance agent.
"Looking A Life Insurance" Insurance Guide
