Today, Senior Sister will watch the annual increase of Li Hong and whole life insurance with you to see if it is really so outstanding.
Before starting the analysis, you may want to know about life increment insurance:
"Who is whole life insurance who can manage funds and ensure growth? “？ Is it worth starting with? 》
1. What are the highlights of Li Hong's annual growth in whole life insurance?
Not much to say, let's take a look at the content map of Li Hong's annual increase in whole life insurance:
As can be seen from the figure, whole life insurance, that is, the annual increase of Li Hong, covers the death/disability insurance premium and the following policy benefits: policy loan, insurance reduction, settlement reduction, annuity conversion right, etc. What are the highlights of Li Hong's annual growth in whole life insurance?
1. Loose and flexible insurance.
People from 30 days to 70 years old are eligible for the whole life insurance that Li Hong increases every year, covering a wide range. Whether it is used for children's education, marriage or old-age savings, it is very good, and now it can meet the wealth appreciation needs of different people.
In addition, Manulife's annual increase in whole life insurance provides six payment periods. It is mainly divided into wholesale payment and annual payment. If people have a strong ability to pay, wholesale payment is the best choice, that is, one-time payment of premiums, which avoids the trouble of paying premiums regularly. If you don't have such a high budget, you might as well choose to pay annually and divide the premium into multiple payments. The insured can choose to pay the fee in 3/5/ 10/ 15/20 years according to their actual situation, which is flexible.
In addition, whole life insurance Li Hong can be insured with an annual increase of 5,000 yuan, and the threshold for insurance is very low, even if the budget is insufficient or people who have just come out to work can afford it.
In addition, Li Hong's annual increase in whole life insurance covers a wide range of insurance occupations. In whole life insurance, many newly added occupations are only 65,438+0-4, while the annual increase of Li Hong and whole life insurance provides insurance opportunities for people with 65,438+0-6 occupations, covering people with 5-6 high-risk occupations.
2. The effective insured amount is increasing year by year.
Now, this Li Hong whole life insurance has been increasing year by year according to the fixed interest rate of 3.5% since the second policy year, and the accumulated effective insured amount is increasing day by day, regardless of the influence of inflation.
3. Policy benefits are very practical
If the insured is short of money, he can take out the corresponding cash value by applying for a policy loan or reducing insurance, which can solve the problem of capital shortage in time.
If the insured is unable to pay or does not intend to continue to pay the subsequent premium, he may wish to apply for reduction and settlement, and the remaining premium can be settled with the corresponding cash value, and the contract is still valid.
Annuity conversion right refers to the conversion of cash value or insurance money into corresponding annuities, which provides a variety of fund planning methods for policyholders or beneficiaries and can meet the different requirements of different groups of people.
I won't go into details about the assessment of Li Hong's annual growth in whole life insurance. Interested friends may wish to browse this article:
"Hongkang Lihong" is about to stop selling annual life insurance. Do you want to get in the car quickly? 》
2. What is the annual growth rate of Li Hong's income in whole life insurance? Can I get my principal back?
Many people buy incremental whole life insurance just because they are optimistic about its income. So what is Li Hong's increasing income in whole life insurance every year? Can you return the principal?
Next, take Mr. Li, 30, as an example. The annual premium is 50,000 yuan, and the payment period is 3 years, so as to calculate the income for everyone:
As can be seen from the income chart, when Mr. Li is 34 years old, the cash value will be as high as 65,438+0,565,438+0, 830 yuan, which has exceeded the paid premium of 65,438+0, 500 yuan. That is to say, when Mr. Li Can recovers his capital in the fourth year, the annual growth of Li Hong and whole life insurance will actually be very fast.
When Mr. Li is 60 years old, the cash value will be 370,385 yuan. At this time, you can withdraw the corresponding cash value by reducing insurance or surrendering insurance, so as to pay all kinds of expenses in your old age.
If Mr. Li doesn't withdraw money or reduce his insurance and wants to surrender his insurance at the age of 90, he can get 1039600 yuan. After deducting the premium cost of 15000 yuan, he can get 889600 yuan, which is undoubtedly quite good.
Generally speaking, Li Hong's annual increase in whole life insurance is highly flexible, and there are no very strict insurance conditions. The effective insurance amount can be increased year by year. Moreover, the policy interests such as policy loans and insurance reduction are very practical, with fast return speed and considerable income, high cost performance and comprehensive protection, which is quite worth buying.
Of course, in addition to the cost-effective annual insurance increase by Li Hong and whole life insurance, there is also a list of whole life insurance worth buying. Friends in need can refer to:
"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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