If you are investing in wealth management, it is not recommended that you buy insurance dividend-paying wealth management products sold by banks. It is recommended to buy the bank's own wealth management products directly. If you can't tell the difference, you can go to the bank outlet to find the account manager to help you choose the bank's own wealth management products. Insurance still needs to go to a regular insurance company and choose an insurance company that is more suitable for you.

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The coverage of harmonious Kangfu nursing insurance;

I sickness and death insurance premium

If the insured dies for reasons other than accidental injury, he shall pay the death insurance money for illness; At the same time, the validity of this contract is terminated. The sickness death insurance premium consists of the personal account value and the risk insurance amount at 24 o'clock on the day of the insured's death.

Second, the nursing insurance money

If the insured enters a long-term care state that conforms to the agreement in this contract, and is still in a long-term care state after the end of the observation period, the nursing insurance premium shall be paid, which can be used to pay the nursing services and expenses required by the insured.

Three. Health maintenance insurance premium

If the insured is still alive at the expiration of the insurance period of this contract, the health maintenance insurance premium shall be paid at the rate of 103% of the personal account value at 24 o'clock on the expiration date of the insurance period; At the same time, the validity of this contract is terminated.

4. Insurance is a Chinese word, the pinyin is b m 4 o xi m 4 n, and the English is insurance or insurance, which means safe and reliable guarantee; Later, it was extended to a guarantee mechanism, a tool for planning life finance, a basic means of risk management under the condition of market economy, and an important pillar of financial system and social security system.

Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract. From the perspective of economics, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management.