Which is better, peace and blessing or omnipotence?

Simply from the comparison of premiums, the rate of Ping An Fu is indeed higher than that of Magnum. In addition, your previous insurance was based on the base premium calculated according to your age at that time. If your universal insurance can increase the basic premium to 6,000 yuan, whether you can directly increase the critical illness insurance amount is a way of thinking, but few people recommend customers like this, because, you know, the profit of the new order.

In addition, even if you re-plan, you have to rationally understand that your protection gap is a critical illness, so why do you want so much death insurance coverage? Compared with death, in real life, being alive is the most terrible. Based on your annual income and basic information, your personal premium expenditure, a bit overspending; In fact, similar to accident insurance, it is more economical to buy some electronic accident card-style consumption.

It is recommended to consider Xinsheng dividend insurance and ask for it as needed. In fact, your family needs insurance is not you, according to your information, in the future, it will be a family of four, all need insurance, but the premium support is based on the annual income, 8 + 3 = 110,000, 15% of the premium standard, to four people to distribute, adults account for more, children can be appropriately less, therefore, the expenditure of family premiums, to be calculated, can be.

Ping An Fu and Magnum, Ping An Fu should be more practical, because it is really visible, there are more than 80 types of critical illness insurance than 45 kinds of universal insurance, and the sum insured is low.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

Peace and blessing, life and death, the rest are trivial

Ping An Fu is too cost-effective.

Hello! Ping An Fu is composed of main insurance, whole life insurance, 1 additional critical illness insurance + n optional supplementary insurance. One of the Whole Life Critical Illness Insurances:

Covers 100 critical illnesses and 30 minor illnesses, with a waiting period of 90 days, and long-term accident medical insurance and hospitalization allowance can also be added. In general, Ping An Fu's performance is average, and children's Ping An Fu is also not recommended to buy Ping An Fu.

If you want to know what products are worth buying, you can click to make an appointment for 1-to-1 insurance planning services, and the insurance brokers will provide you with professional advice, or you can scan the following *** for consultation.

Ping An Life's products are too expensive is a common problem, and Ping An Life's optional additional insurances are more expensive, such as long-term accident insurance, which is very unworthy;

Secondly, the product is a single critical illness claim, lacking severe Kawasaki disease, the proportion of compensation for mild illness is only 20%, and there is no compensation for moderate illness, and the compensation strength is relatively weak;

Thirdly, the coverage for mild illness is not comprehensive, and it will not be compensated for atypical myocardial infarction, minor stroke, and coronary intervention. Early malignant lesions, carcinoma in situ, ** cancer, collectively referred to as extremely early malignant tumors or malignant lesions, Ping An Fu split 1 disease into 3 kinds in order to make up the number. 14 of the 15 special diseases are not in the critical illness, so they can only pay the sum insured, not double the sum insured.

Finally, Ping An Fook has a very low cash value and slow growth during the premium payment period, which means that if you want to surrender the policy, then the loss will be large and the premium returned will be very small.

Of course, there are also advantages, such as:

1. Increase the amount of mild symptoms.

If you have a mild illness before the age of 70, the sum insured of critical illness insurance will also increase by 20% for each claim, up to a maximum of 60%.

2. Exercise increase.

3. High brand awareness.

Ping An InsuranceVery nice and reliablePing An Insurance is the first joint-stock insurance company in China, ranking first among global insurance groups, and has the most complete financial licenses, and is a regular company.

The two major indicators for the CIRC's solvency assessment of insurance companies are: the core solvency adequacy ratio should be higher than 50%, and the comprehensive solvency adequacy ratio should be higher than 100%. In the fourth quarter of 2017, the core solvency ratio of Ping An Life was much higher than the standard given by the China Insurance Regulatory Commission.

The China Insurance Regulatory Commission has released a data that the complaint rate of Ping An Life in the first three quarters of 2017 was one complaint per 100,000 policyholders, which is just a complaint, not a real rejection result.

So, there really don't worry, the reliability of Ping An Insurance has been shown through data. In addition, Ping An is a super huge company, insurance is just one of the businesses, as well as finance, technology, medical care, etc., etc., so any wind and grass it will have a lot of follow-up, really don't worry about what to do if there is an unfair situation and no way to complain.

If Ping An Fu is good enough for the subject itself, then take out the insurance and don't have to worry about the claim later.