Take this opportunity today, senior sister will give you a good evaluation ~
Senior sister thinks that many people don't know much about the increase of whole life insurance. You can read this article first:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
1. What are the protection contents of Yi Yue You Worry?
Similarly, the senior comes first:
EasyWorry-Free provides lifelong protection, can be insured within the range of people aged 28 days to 65, and can enjoy the protection of illness death/care.
Even though EasyCare is a kind of nursing insurance, it is actually an increase in whole life insurance, and the insured amount is increased by 3.5% every year. The longer you live, the higher your value.
Besides, easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy easy e Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy Easy If the insured dies or suffers from serious illness, you don't have to pay the follow-up premium.
To tell the truth, in fact, the advantages of being carefree are obvious:
1, with a wide age range.
According to an increased whole life insurance, the age range of EasyCare Insurance is quite wide, and people born over 28 days -65 years old can choose this product.
Not all the increments in whole life insurance have such a wide coverage. Many insurance products on the market support people aged 55 and 60. In contrast, Yi Yue Wu You is closer to people aged 60-65.
2. Loose occupational restrictions
Many whole life insurance products in the market have many regulations on the occupations insured, and generally only 1-4 occupations are allowed to be insured.
This shows that it is difficult for high-risk employees such as firefighters, miners and riot police to buy this kind of whole life insurance.
Comparatively speaking, Worry-Free Bank has less stringent requirements on the occupations insured, and all occupations of 1-6 can be insured, which is even better for high-risk employees.
Many people don't know whether their occupation will affect insurance in the end. Look at this article and you will understand:
What is the impact of occupational restrictions on insurance? Please collect these 6 types of occupational insurance guides as soon as possible! 》
3. Long guarantee period
Yiyue Worry-Free gives the insured lifelong protection, that is, once the product is purchased, it will enjoy lifelong disease care/death protection.
Especially older people, the older they get, the more likely they are to get sick. If it is guaranteed, the economic risks brought by the disease can be transferred.
The security enjoyed by the carefree insured is life-long. Such a long guarantee time can better protect the insured.
4. High income
For example, like 40-year-old Lao Li, he chose Yi Wu Yueyou as insurance, and paid 654.38+10,000 yuan every year for five years.
Then the benefits of Yi Yue carefree are as follows:
When the insurance policy was fulfilled in the sixth year, that is, when Lao Li was 46 years old, at this time, the cash value of Yiyue had reached 568,520 yuan, which was 500,000 yuan more than the premium paid. It has already started to return to the original, and the speed of returning to the original is good.
By the time the policy is 30 years old, Lao Li's worth is close to 654.38+0.3 million yuan. At this time, the nursing insurance premium and disease insurance premium are almost 6.5438+0.3 million yuan respectively.
If Lao Li died at the age of 90, the cash value at this time was about 2.59 million, which was more than five times the original premium. The income is very good, and the money can be passed on to future generations for the benefit of future generations.
2. How about the upgraded EasyJoy Worry-Free 2.0 Lifelong Care Insurance?
Let's take a look at the protection map of Yiyue Worry-Free 2.0 Lifelong Care Insurance:
1, analysis of insurance conditions
It can be seen that the insurance age of Yiyue Worry-Free 2.0 Lifelong Care Insurance is still 28 days after birth-65 years old.
However, this product has been upgraded in terms of payment period. This product provides five payment cycles, and the longest payment cycle can reach 20 years.
If you have a high income and want to pay the premium in one lump sum, you can choose to pay by wholesale.
If the income is limited but stable, you can choose to pay by installments, such as 10 or 20 years.
Under the same other insurance conditions, the longer the payment period, the lower the premium payable in each period and the less the payment pressure.
2. Analysis of guarantee responsibility
The coverage of Yi Yue Worry-Free 2.0 Lifelong Care Insurance mainly includes nursing insurance and illness death insurance.
When the insured loses the ability of daily living due to accidental injury or non-accidental injury after the waiting period and continues until the end of the observation period, he can get an insurance money at this time to make up for some economic losses.
If the insured does not lose the ability of daily living after the waiting period, but dies of illness, then the beneficiary can get an insurance premium for illness death. Among them, the payment of death insurance benefits provides different payment proportions according to the age of the insured.
Generally speaking, the overall performance of Yi Yue Worry-Free 2.0 Lifelong Care Insurance is quite satisfactory, but whether an individual is suitable for purchase depends on the actual situation. If you feel that you can meet your own security needs, you can consider starting!
If you are not satisfied with this product and want to choose another premium whole life insurance for insurance, you can refer to the list compiled by Senior Sister:
"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 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.
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