Today, Senior Sister will visit whole life insurance, the heirloom of ICBC AXA Life Insurance, to see if it is really that good. Click the link below to learn the true face of whole life insurance, the heirloom of ICBC AXA Life Insurance:
Whole life insurance, the heirloom of ICBC AXA Xinfu, is coming! Whether it is worth buying depends on this! 》
1. How about whole life insurance, the heirloom of ICBC AXA Xinfu?
Before it's too late, let's take a look at the guarantee directly:
1, and the insurance conditions are relaxed and flexible.
The insured age range of ICBC AXA Xinfu Chuanjia whole life insurance is from 28 days after birth to 75 years old.
It should be understood that many whole life insurance on sale are only allowed to take out insurance at the age of 65 or 70. Comparatively speaking, the life-long insurance age of ICBC AXA Xinfu Chuanjia is more advantageous.
In addition, the payment period of this product includes 7 options, which support both wholesale payment and annual payment.
It should be noted that this is a whole life insurance for determining the premium according to the insured amount. If the responsibility and insurance amount are determined, the annual premium will be cheaper, and the payment pressure will be much less when the payment period is long.
The longest payment period of this whole life insurance is 30 years, which is an excellent level in the market.
Therefore, its payment period not only sets a variety of options, but also involves a longer maximum payment period.
Want to know how to choose the appropriate payment period? You can view the following details:
"How to choose the payment period so as not to lose money? 》
Not only that, it also involves three additional risks: accidental injury medical insurance, hospitalization expense medical insurance and hospitalization allowance medical insurance.
On the basis of these insurances, if you get sick, you can also reimburse some medical expenses within the required scope, which is also very practical!
And what is more worthy of recognition is that these additional risks are not bundled sales, and the additional risks are also our own free choice ~
2, including accidental death insurance.
Whole life insurance, the heir of ICBC AXA Xinfu, not only provides the applicant with death protection, but also protects him in case of accidental death.
If the insured is over the age of 18, and dies in an accident within 180 days after the accident, an additional 50% of the basic coverage can be obtained.
If the insured insured amount is 1 10,000, in this case, he can get 150.
The extra 500 thousand will leave more love and protection for the family directly after the unfortunate death.
It can be seen that whole life insurance, the heirloom of ICBC AXA Xinfu, is quite sincere!
Of course, if you focus on profitability, I suggest you go to see the increased whole life insurance, directly provide protection for the insured, and the income level will be relatively higher ~
3. Other rights and interests are rich.
Whole life insurance, heir of ICBC AXA Xinfu, provided rights and interests such as premium prepayment, reduction settlement and policy loan, which greatly improved the flexibility of policy funds.
What you need to know is that taking out insurance in whole life insurance is like putting a sum of money into an insurance company, and you have the right to "get it back" only after your unfortunate death.
If money is badly needed on the way, it is difficult to move it.
But with these rights and interests, don't be afraid if the funds are not plentiful ~
If you can't pay the premium on time, you can use the rights and interests paid in advance or reduced.
If the working capital is insufficient, you can apply for a loan from the insurance company with this policy and return the principal and interest directly within a fixed period of time.
Therefore, whole life insurance, the successor of ICBC AXA Xinfu, is still quite powerful in terms of capital flexibility ~
2. Is whole life insurance, the heirloom of ICBC AXA Xinfu, worth insuring?
On the whole, whole life insurance, the successor of ICBC AXA Xinfu, has a high cost performance, which not only has low insurance requirements, but also enables the insured to enjoy the protection of accidental death, which means that the compensation amount may be higher. In addition, this whole life insurance also provides a wealth of other rights and interests, which can solve many short-term financial problems and is a product worth insuring.
Of course, in addition to the cost-effective ICBC AXA Xinfu heiress full life insurance, there is also a list of full life insurance, which is full of products worth buying. Friends in need can refer to:
Top Ten Life Insurance Rankings Worth Buying! 》
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