It is said that this increase will be repaid in the second year of insurance in whole life insurance. Is it really that powerful?

Senior sister will give you a detailed evaluation right away! Interested friends continue to look down ~

Before we begin, we might as well take a look at this article and consolidate the basic knowledge: "What is a full life insurance that can manage money and ensure an increase?" ? 》

1. What are the advantages and disadvantages of Kang Jun's jinsheng Jinshi?

As usual, let's take a look at the product protection map first:

Senior sister won't say those unnecessary words to everyone, just give you the focus!

& gt& gt advantage:

1, flexible payment period and low threshold for initial investment.

For the payment period of Jinsheng Jinshi, you can choose two ways: wholesale payment and annual payment.

In this way, the insured can flexibly decide which payment period to choose according to their actual situation.

If you don't know what kind of payment period you are suitable for? This article can give you the answer: "How to choose the payment period without losing money? 》

Moreover, the minimum annual investment is 1000 yuan, and the threshold for initial investment is very low.

For young people who have just entered the society and those with insufficient economic budget, Jinsheng Jinsheng Insurance is also suitable for investment. If the liquidity increases in the later period, you can increase the insured amount through the change of rights, which is especially good!

2. The compensation coefficient is set reasonably.

The compensation ratio for the death of Jinsheng Jinshi whole life insurance is 18-6 1 year 160%, 6 1 year 120%.

Why is this setting reasonable?

Senior, let me explain the unreasonable reasons to you now: 18-40 years old, 160%, 4 1-6 1 year old, 140%, 6 1 year old and above,/.

4 1-60 years old is the time when everyone has the heaviest family economic responsibility. Assuming that the proportion of compensation is reduced accordingly, it is equivalent to degrading the protection. In the end, the amount of compensation that everyone has can't support family expenses.

So, if you encounter such an increase in the proportion of compensation, whole life insurance, I advise you to be more careful.

To make a simple comparison, everyone praises that Jinsheng Jinshi has done really well in this respect. The compensation ratio of 18-6 1 year can be said to be extremely high. Roll call for praise!

& gt& gt Disadvantages:

1, lack of total disability protection

At present, many increased whole life insurance have increased the death/total disability protection, and for those products with outstanding protection, they have also increased the aviation accident death protection.

However, for Jinsheng Jinshi, even the most fundamental total disability protection is in short supply!

If the insured has insured the products of Jinsheng Jinshi, but unfortunately they are all disabled, once they fail to meet the compensation standard for death, they will not be able to get compensation.

This protection scope is too narrow, which is really not good.

2. The growth coefficient of insurance coverage is low.

The premium growth in whole life insurance is compounded annually according to the growth factor, and the increased premium shows a coefficient of 3.5%.

At present, there are many incremental life insurances with an increase coefficient of 3.8% on the market.

As long as the increasing coefficient is higher, the subsequent money will be more.

In contrast, Kim is not generous enough!

If you want to know more about this product, you can read this article: "Jinsheng Jinshi increases whole life insurance's capital in the second year? Don't be silly! 》

Second, what is the lifetime income of Kang Jun Jinsheng Jinshi?

Before calculating the income, let's briefly understand the "cash value of the policy".

The cash value of the policy can also be understood as the amount we get when we surrender the insurance, and the increase of whole life insurance's income can be said to have a great relationship with the cash value of the policy.

Next, Senior Sister gives you an overall income analysis table of Jinsheng Jinshi:

The 30-year-old Lao Wang took a fancy to a whole life insurance that increased the golden age and took out insurance. He pays 654.38 million yuan every year for five years, so that he can get lifelong protection.

It is found from the picture that Lao Wang paid a total of 500,000 yuan in premiums in five years. At the age of 36, the cash value of the policy can reach 536,000 yuan, and the premium paid has been recovered.

Compared with other incremental whole life insurance with a 5-or 6-year return rate, it can be said that the return rate is very fast.

The cash value of the policy was extended to 65,438+0,265,438+0.8 million, which was obtained by Wang Can Sr at the age of 60. If he surrenders his insurance now, the money can play a role in the follow-up pension life, or it is not bad to choose to use the money for travel and play!

If you don't surrender, when Lao Wang is 70 years old, the cash value of the policy will increase to 1, 7 1.3 million, with a value of 3.4 times. The income is really good.

If I still increase the insurance coverage and choose not to surrender, Lao Wang will die at the age of 80, and his family will receive 2.399 million death benefits.

As can be seen from the figure, through calculation, when Lao Wang is over 60 years old, the IRR of whole life insurance will fluctuate around 3.3%, which is also satisfactory.

Third, the summary of the senior sister

In short, Jinsheng Jinshi whole life insurance has a good payment cycle and a low insurance threshold; However, the coverage is not wide enough, and the increasing coefficient of insurance coverage is a bit low.

But in general, it is also a relatively optimistic income, which looks relatively stable. Whether to insure or not is a matter of opinion.

There is a saying here that it is best to choose the one that suits you! There are really countless unfinished increases in whole life insurance in the market, and it is not too late to shop around before making an insurance decision.

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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