Then senior introduce it carefully to see how this product is and whether it is worthy of our consideration.
What's the difference between term life insurance and whole life insurance? After reading this article, you will know:
What's the difference between term life insurance and whole life insurance? Senior sister tells you! 》
A, Ding Cheng Ding Feng heirloom whole life insurance security secrets!
As usual, let's take a look at the protection content map of this product first:
1, insurance rules
As can be seen from the figure, Dingcheng Ding Feng's heirloom life insurance allows people born from 28 days to 70 weeks to be insured, which is not small.
As far as the payment period is concerned, the product is equipped with wholesale payment and regular payment, among which there are many options for regular payment, and the longest payment period can reach 30 years.
Generally speaking, under the same other insurance conditions, the longer the payment period we choose, the lower the cost we need to pay each time, so as not to cause too much economic burden.
This product provides seven exemption clauses, which is more than some similar products with only three exemption clauses on the market.
2. Guarantee content
As can be seen from the figure, whole life insurance, the successor of Ding Cheng Ding Feng, is guaranteed by death insurance. In addition, it also includes two optional liability guarantees, namely, physical disability insurance and aviation accident death additional insurance.
In fact, there are two kinds of compensation for death insurance. To put it simply, the amount of insurance we can get may be different according to different situations.
If the insured dies as a passenger on a civil aviation flight due to accidental injury caused by a traffic accident, the insurance company will pay the death insurance premium, and let the insured receive twice the basic insurance premium as the extra insurance premium for the aviation accident death, provided that the claim requirements are met.
This kind of protection is more sincere for friends who often fly.
3. Policy benefits
Whole life insurance, a Ding Feng heirloom, contains excellent policy rights and interests, including annuity conversion right, policy loan, automatic premium payment, reduction settlement, basic insurance amount change, etc.
Policy loan means that within the validity period of the contract, we can apply for policy loan if we meet the conditions. The accumulated loan amount shall not exceed 80% of the cash value balance after deducting all outstanding amounts at the time of signing the contract, and the longest loan period shall not exceed 6 months.
In fact, the deduction claim means that we can apply for the deduction claim within the validity period of the contract and the payment period of the contract. The insurance company takes the balance of the cash value of the day before the start of the contract grace period after deducting all outstanding amounts as the net insurance premium. If it is reduced and settled, we don't need to pay the insurance premium of the contract.
It must be said that the practicality of these policy benefits is not low.
Due to space reasons, the introduction of this product by senior sister is here. If you want to know more, you can read this article:
Ding Cheng Ding Feng unveiled the secret of whole life insurance! Pay attention to these points before buying! 》
2. Is the whole life insurance value of Dingcheng Ding Feng heirloom worth insuring?
Judging from the above, Senior Sister believes that her family is quite familiar with this whole life insurance.
On the whole, whole life insurance, a family heiress of Dingcheng in Ding Feng, has humanized insurance age range, diverse payment periods and many exemption clauses. Through the protection content, it is found that the protection content contained in this product is not awesome, and the whole looks ordinary.
If you want to insure whole life insurance recently, Senior Sister suggested that you can analyze other similar products with good performance in the market.
Finally, Senior Sister here sends you an increased list of whole life insurance:
"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》
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 the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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