Then, today, I would like to take this opportunity to give you a special evaluation of this product ~
Before the formal evaluation, you can read this article to know what full life insurance is in advance:
"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》
A, patron saint 2.0 whole life insurance, why sell so hot?
Before it's too late, let's take a look at the protection provided by the patron saint 2.0 whole life insurance:
As shown in the above table, this patron saint 2.0 is suitable for people aged 0 to 70, and the protection responsibility is actually relatively simple, covering death/disability insurance and aviation accident death/disability insurance.
Then why does this product sell so well? What are the highlights? Senior has also been arranged in the following:
1. The payment period is rich.
Patron 2.0 whole life insurance has rich choices in the payment period, including wholesale payment /3 years /5 years/10 years/15 years /20 years. Consumers can freely choose according to their own real situation and minimize the pressure of payment.
If you don't know how to choose the appropriate payment period, then this article is clear, don't miss it:
"How to choose the payment period so as not to lose money? 》
2. Death protection is powerful.
Whole life insurance, the patron saint of 2.0, has two kinds of death protection situations: "1under 8 years old" and "1over 8 years old", and will give corresponding protection.
Judging from the compensation ratio, the compensation ratio of 18-60 years old is relatively high, and there are also reasonable settings. After all, before the age of 60 is the rising period of life, shouldering the pressure of life and the burden of family, and most in need of high security!
In addition to the basic death/disability insurance, Patron 2.0 whole life insurance also guarantees the aviation accident death/total disability protection: the insured dies unfortunately due to an aviation accident, and after the death insurance compensation, he will make a one-time payment according to the basic insurance amount of the contract.
Such a setting can also provide multiple guarantees for the insured and leave more funds for the family. It is really warm ~
3. Improve the incremental coefficient of insurance.
Compared with the old Patron Saint, the new version of Patron Saint 2.0 has been upgraded with an increase of 1%, from 3.5% to 3.6%.
Simply put, from the second year after signing the policy, the effective insurance amount is the effective insurance amount of the previous year *( 1+3.6%). Here is an example: if our coverage rate in the first year is 1 0,000, then the effective coverage rate in the second year is 1 0,000 * (1+3.6%) =10,0360, and so on.
For the threshold of starting investment, you can freely choose the appropriate amount according to your own budget from 1000 yuan per year!
After understanding the related analysis of the protection content of Guardian 2.0, I believe many friends are already very excited.
However, the income of this product is what the friends are most concerned about. When can I return it? What are the benefits? Look below and you will understand!
Second, the patron saint 2.0 whole life insurance benefits so!
If 40-year-old Mr. Chen is equipped with Patron 2.0, he only needs to pay the premium of 6,543,800 yuan per year for three years, and the income is shown in the figure below:
As shown in the above table, when Lao Chen was 47 years old, the cash value of his account was 323,960 yuan. In other words, in the seventh year of the policy, the value of this product exceeded the insurance premium to be paid, and the original money was earned back.
Compared with those products on the market that take about 10 years to return to the original cost, the return speed is not bad ~
When Mr. Chen retires at the age of 60, the value of the account is close to 600,000, which is equivalent to doubling. If he wants to achieve stable happiness in his later years, there is certainly no problem.
When Mr. Chen was 80 years old, the cash value had reached1140,000. In other words, in addition to the premium of 300 thousand, you have earned more than 800 thousand. If it is not urgent, you can leave this money as a fortune for future generations.
On the whole, the payment period of Patron Saint 2.0 whole life insurance is flexible and diverse, which also contributes to the protection of death, and the overall performance is quite good.
Of course, there are still many excellent whole life insurance products on the market. If this product doesn't suit you, you can look at these products again. There is always one for you:
"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.
WeChat official account: top student said that the insurance cost is low, so buy the right insurance!