The following sister will give you an in-depth evaluation! This article can help you get familiar with Yiyue Worry-Free Lifelong Care Insurance in advance. If you don't know, let's take a look:
How about "2022 Ruihua Yiyue Worry-free Lifelong Care Insurance"? Look before you do it! 》
1. What are the protections of Yi Yue Worry-Free Lifelong Care Insurance?
As usual, let's take a look at the product protection map first:
From this full coverage map, we can know that the coverage of Yiyue Worry-Free Lifelong Care Insurance is still relatively rich. Therefore, in order to let everyone know this product clearly, seniors and seniors consider carefully talking about Yiyue Worry-Free Lifelong Care Insurance from two aspects: insurance rules and protection contents.
1, analysis of insurance rules
Yiyue Worry-Free Lifelong Care Insurance only allows people born between 28 days and 65 years old to apply. The guarantee period is set for life, the payment period is five years, and the waiting period is as long as 180 days.
The insurance age of Yi Yue Worry-Free Lifelong Care Insurance is quite loose. At present, the maximum insurance age set for most products of the same type is around 60 years old. In contrast, Yi Yue worry-free life-long care insurance is more humane for people aged 60-65.
There is no denying that the guarantee period of this product is too fixed, although lifetime guarantee can give the insured a stable guarantee. But the premium is more expensive. If the financial situation of the insured is not very good, it may bring economic pressure.
In fact, in addition to the guarantee period, we actually have a doorway when choosing the payment period. If you don't understand this, just click on the link to find the answer:
"How to choose the payment period so as not to lose money? 》
2. Security content analysis
Yiyue Worry-Free Lifelong Care Insurance mainly covers illness death insurance and nursing insurance.
When the insured reaches the age of 18, and dies of illness before the first policy anniversary (excluding that day), the insurance company will pay the insured according to the greater value of the premium paid at that time and the cash value, and the contract will be terminated.
If the insured dies of illness after the first policy anniversary (including the day) when he reaches the age of 18, but before the payment expires (excluding the day), the insurance company will pay the premium paid * according to the greater of the corresponding coefficient and cash value, and the contract will be terminated.
If the insured dies of illness after 18 years of age (including that day), the insurance company will pay the premium paid * corresponding coefficient, cash value and effective insurance amount, and the contract will be terminated.
In addition, if the insured loses the ability of daily living due to illness during the guarantee period and continues until the end of the observation period, he can also get nursing insurance money. However, according to the age of the insured, the insurance company will also pay the nursing insurance money in different ways.
After reading this place, I believe you have learned about Yiyue Worry-Free Lifelong Care Insurance. Some people may ask, is this product worth sorting out? Please read on!
2. Is the value of Yi Yue Worry-Free Lifelong Care Insurance worth insuring?
In fact, the most attractive thing about Yi Yue Worry-Free Lifelong Care Insurance is that the insurance coverage of this product can be directly increased. Then the insurance coverage of this product will increase by 3.5%. In short, with the continuous passage of security time, the insured can still have more and more adequate security.
In addition, since this product of EasyWorry-Free whole life insurance also has the function of reducing the insured amount, the insured can obtain the cash value of the reduced insured amount in this way. Therefore, Yi Yue Worry-Free Lifelong Care Insurance can also make the insured get some benefits. And with the extension of the guarantee time, the benefits that the insured can obtain will gradually increase.
On the whole, Yiyue Worry-Free Lifelong Care Insurance has comprehensive protection and good cost performance, and it is a product worthy of configuration. However, friends can also look at other better nursing insurance on the market, and then compare and choose the configuration that suits them best.
In addition, if you want to manage your finances through insurance, you can also learn about the following products:
"Top Ten Financial Insurance Rankings ▏ Want to buy high-yield financial insurance? Don't miss this 10 model again! 》
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