If you don't know much about whole life insurance, it is better to read this article carefully:
"Who is whole life insurance who can manage funds and ensure growth? “？ Is it worth starting with? 》
First, Everbright, Yongming, Guangming, Supreme and whole life insurance, the content of protection is open!
According to the product terms, Senior Sister has compiled a concise product protection map. Let's see:
According to the protection map, Everbright Yongming Guangming Supreme whole life insurance supports payment years such as wholesale payment, 3/5/ 10/20 payment, and the longest payment period is 20 years. There are many payment years to choose from, which is very suitable for a wide range of people.
Many new friends don't know its meaning, but this popular science article must be read:
What do you mean by wholesale? What are the benefits? 》
Not only is the payment term flexible, but this product also has many eye-catching places. Next, the senior sister will continue to take everyone to sort out!
1, with a wide age range.
Bright Supreme whole life insurance allows people between 30 days and 70 years old to apply for insurance, with a very low threshold, which is very considerate to middle-aged and elderly people!
At present, there are many products of the same type on the market, and people over the age of 65 are allowed to take out insurance at most. The threshold is relatively high and it is very unfriendly to consumption.
2. The growth coefficient of insurance coverage is very high.
Whole life insurance's insurance coverage is not fixed, but can be increased year by year according to a certain increase ratio.
Then, the better the performance of the insured amount in the increasing coefficient, the faster the insured amount will increase, which is a good thing for the insured.
In the market, the average line of whole life insurance's premium increase is close to 3%, but Guangming Supreme whole life insurance's premium increase coefficient is as high as 3.8%, which is much higher than the average line, and its performance is quite excellent!
3. Various policy rights and interests.
Bright Supreme whole life insurance includes many rights and interests such as insurance reduction and policy loan. What are the functions of these rights and interests? Senior sister will introduce you one by one:
Reduce insurance: that is, reduce the amount of insurance. By reducing the insured amount, the cash value of the insured can be returned to the hands, and the flexibility of funds has been improved!
Policy loan: 80% of the maximum loanable cash value. If the insured is in urgent need of working capital, this right will come in handy to solve the urgent need.
Based on the above, we can see that in terms of protection, Everbright Yongming Guangming Supreme whole life insurance is remarkable in many places, so is the income of this product high? Let's continue to look down!
2. What is the income of Everbright Yongming Guangming Supreme whole life insurance?
For example, a 30-year-old man pays 654.38 million yuan a year for five years, and his income is calculated as follows:
When the insured is 36 years old, the cash value of the policy is 5,654,380+0.6 million yuan, which has exceeded the accumulated premium, that is, 500,000 yuan. This return on capital is still very good.
When the insured is 60 years old, the cash value of the policy has reached 1.224 million yuan, 2.4 times! The internal rate of return is 3.37%.
When the insured is 80 years old, the cash value of the policy is 2.608 million yuan, up 5.2 times, and the IRR is 3.57%.
In the years when the insured is 50 to 80 years old, the IRR of Everbright Yongming Guangming Supreme whole life insurance is almost around 3.3%, and the overall income is still very considerable!
Third, the summary of the senior sister
To sum up, Everbright Yongming Guangming Supreme whole life insurance not only has flexible payment period, wide insurance age, high increasing coefficient of insurance amount, diverse policy rights and interests, but also has very high income. This product is cost-effective, so it won't lose money at first!
Senior Sister also shared with you a list of high-yield and increased whole life insurance, which you can use as a reference to compare and choose the products that are most suitable for you. After all, only what suits you is the best:
"Fresh! Don't miss five high-yield incremental whole life insurance! 》
Write it at the end
I am a scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
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