This eye-catching product must be whole life insurance, which is promoted by Hongkang Life Insurance.

This kind of insurance has two most remarkable advantages. First, the proportion of insurance coverage is getting higher and higher, reaching 3.8%. Second, it can be returned soon, and it is expected that it will be returned in four years at the earliest! Also in favor of increasing insurance and reducing insurance, reducing payment, policy loans and other rights and interests!

Let's not talk nonsense. Let's quickly evaluate whole life insurance, a city with a large increase in Hong Kangli, with our seniors, and analyze its benefits and guarantees together.

If you don't know much about whole life insurance, you can poke the following article to read:

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1. How about Hongkangli's increase in whole life insurance security?

Before it is too late, let's look directly at whole life insurance's product protection map, and Hongkangli has increased the quota:

According to the picture, we will find that Hongkangliduo has an annual growth rate of 3.8%, which is an incremental whole life insurance, mainly providing death/total disability protection.

1, death or total disability protection

Liduoduo can increase whole life insurance's death/disability protection mainly in three ways:

(1) if the insured who has died or is totally disabled is a minor under 18 years old, then compared with other whole life insurance, it is still very helpful for whole life insurance to pay the maximum cash value or accumulated premium after meeting the conditions;

(2) If the insured has reached the age of 18 and died/was disabled before the payment period expires, the cash value or accumulated premium * payment coefficient will be paid, whichever is greater;

(3) If the insured reaches the age of 18 and dies/is totally disabled after the expiration of the payment period, the present value of payment, effective insurance coverage or accumulated premium * payment coefficient shall be whichever is greater.

From this point of view, the growth rate of Liduoduo in whole life insurance is quite satisfactory, but there is such a whole life insurance that can effectively protect the rights and interests of consumers. I think it's good. You can choose.

2. Effective insurance amount

For Hongkangliduo, the annual growth rate of 3.8% is increasing year by year, and its effective guarantee = basic guarantee * (1+3.8%) (policy years-1).

In whole life insurance, the growth rate is mostly around 3.5% or 3.6% in whole life insurance, and the growth rate of Acer Ricardo is quite good.

Recently, Dingcheng Life Insurance announced a lightning version with a 4% increase ratio. I heard that the income is very high. Friends who want to know about this product can read this article:

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3. Insurance conditions

It can be seen that Hongkangliduo has done a good job in terms of insurance conditions. The insured age is 30 days to 75 years old, and the insured age range is large, which can meet the insurance needs of most age groups.

Its payment period is diverse, and it provides wholesale payment (one-time payment), which is divided into six payment methods: 3 years, 5 years, 10 years, 15 years and 20 years. The insured can judge which payment cycle should be chosen according to their own deposit situation, which is very humanized.

If you want better protection, you can buy Hongkangli to prolong your life, but the shortcomings have not yet been discovered.

Is there any high income from increasing Hongkangli's life span? Provide everyone with an article to understand its benefits:

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Second, is it worthwhile for Hong Kangli to increase whole life insurance?

That is to say, whole life insurance will guarantee lifelong death/total disability protection, and the effective protection will increase steadily year by year, reaching 3.8%, as well as the rights and interests of policy increase, reduction and loan. This kind of insurance can also carry out flexible liquidity, which is also a good attraction.

If you want to get lifelong death/total disability protection and have sufficient funds, you can try this product.

In other words, if you know something about life insurance before, you should understand that whole life insurance can protect life from accidents. If compared with term life insurance, the stability of term life insurance is worse, which will make people feel more secure, but its premium will be higher than that of term life insurance.

If you don't have enough money now, and some friends need death/total disability protection, there are many term life insurance products with good protection in the market, which is also worth starting. When your economic level improves, you can choose to buy whole life insurance.

In order to let everyone know and choose, senior sister found several life insurance products with good protection to share with you. If you want to know, you can read them carefully:

& lta href="/redirect？ location = ahr 0 CHM 6 ly 9 iyw 94 awfuljawynguy 29 tlz 9 nawq 9 mzq 2 mjyw & amp； title = juuzjtgwjthbjuu 1 jtgwjujdjuu 1 jujfjtk 3 juu 0 Jui 5 juiwjuu 3 jtlbjtg 0 juu 1 jue0 Jue 3 juu 1 jufgjujgjuu 5 jtk 5 Jue 5 juu 2 jthfjtkyjuu 4 juexjthdjuwgjujdgxjuuzjtgwjthc & amp； userId = 289384 19 & amp； passId = 4 17 126576 1。 planId = 63380 1 & amp； Unitid = 868246 & AMPIDAID = 2001085328 "Title =" Top Ten Life Insurance Rankings Worth Buying! "target =" _ blank "> Top Ten Life Insurance Rankings Worth Buying! 》

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to top student, the official account of WeChat, and ask me about insurance.

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!