In addition, I have compiled a very useful purchase guide for this kind of financial insurance. Interested friends may wish to have a look:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
First, is Hengqin handed down from generation to generation? Is it guaranteed?
First of all, let's take a look at the guarantee content of the handed down 1:
From the safety chart above, most eagle-eyed friends already know the unusual features of handed down No.1:
1, the value passed down from generation to generation is fast.
With the acceleration of the increase in insurance coverage, it means that the death lever will rise faster, which will be related to everyone's death protection.
The increase of most products on the market is around 3.5%, but it is sincere that Ishikawa 1 can lead most products on the market to 3.8%.
Of course, at present, it is not just a number handed down from generation to generation, and it can only be achieved by increasing the speed. Here, the senior also summed up several popular increase whole life insurance, which you can compare and see:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
2. The payment period handed down from generation to generation on the 1st is flexible.
The payment period of 1 handed down from generation to generation includes wholesale payment (one-time payment), 3/5/ 10/ 15/20 years. This doesn't sound like any advantage, but we have to be clear. At present, there are not many financial insurance payment methods on the market, only 3~4, and there are 6 payment methods for everyone to choose from.
If you are a small partner with unstable income, you can choose to pay in batches, or you can choose to pay for 3 to 5 years for financial investment. If your income is relatively stable, you can also choose to pay 10 years or even 20 years! Flexible space performs well!
3. Numbers handed down from generation to generation can be insured.
For some small partners with unstable income, it is difficult to budget future income. If you earn more, you may need additional insurance. Handed down 1 has taken into account the needs of friends in this regard. You can increase the insured amount after the policy takes effect for 3 years, and there is a chance to increase the insured amount, but once every two years, it is quite real!
However, although the guarantee of the handed down 1 number is not bad, surely its income is what everyone cares about most? After all, to measure whether a financial insurance is good or not, the key point still depends on the income! So let me show you the benefits of being handed down from generation to generation!
Second, is the life value of Hengqin Handed Down No.1 worth buying? How is the income?
Let's take a 30-year-old man Wang as an example. He has been insured in whole life insurance for generations and has paid 1 0,000 yuan every year for five consecutive years. The benefits are as follows:
As can be seen from the above figure, at the 6th anniversary of the policy, the cash value of whole life insurance handed down 1 was already greater than the accumulated premium, that is to say, at this time, handed down 1 returned to its original capital, and the speed of returning to its original capital was also very fast.
Maybe many people don't understand the speed of returning to Beijing. In fact, it usually takes 89 years for many wealth management insurances on the market to return their capital, and the speed is even slower, even decades. whole life insurance, the top scholar handed down from generation to generation, can have this speed of returning capital, which is already very good!
What's more, in the seventh year after the insurance policy, that is, when Lao Wang was 36 years old, the cash value of the handed down 1 was 58,850 yuan, and the annualized rate of return was 4. 12%, which could maintain such a stable income. There are so many wealth management products now, and their competitiveness is still very strong.
And in the following years, the annualized rate of return of Chuanshi 1 did not fall below 3.5%, but generally fluctuated between 3.5% and 3.99%!
In short, the income of the handed down 1 is still very high and it is worth buying. Friends who are dissatisfied with this income can shop around first and then decide:
"Top Ten Financial Insurance Rankings ▏ Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
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I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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