Ping An Insurance of China Universal Insurance, Introduction of Ping An Universal Insurance of China

Landlord: Hello!

I am also a financial advisor of Ping An, and I am in Shenzhen!

As I tell you from a professional point of view, my mother is 48 years old and is not suitable for Ping An's Zhiying Life Universal Insurance, and the annual premium of 6,000 yuan is too high!

It is also a bit late to invest in this type of insurance at the age of 48, and the cost of protection is relatively high!

The security type of Ping An has Xinsheng, you had better control the insurance premium to about two or three thousand yuan per year, and you mentioned that your mother's health has some minor problems. High blood pressure, etc., tell the truth when you apply for insurance, if you don't cover it, forget it, assuming you don't tell the truth, in case there is an argument in the future, it will be bad for you! I am a very sincere person, and every question I have comes from the heart!

Hope mine can help you! Thank you!

Hello, which region are you a customer? I am an insurance company's internal staff, to introduce to you, in fact, medical insurance can be attached with many types of insurance, such as the accident insurance you want to buy can be attached to medical treatment, illness can also be attached to medical treatment, if you want to simply buy medical insurance, the insurance company generally does not... And**different companies** are also different, 6000 is a bit too high...

Universal insurance payment is lifelong, the deduction is also lifelong, and the annual deduction amount is with age**, which increases rapidly! The main insurance will only receive the benefit in death!

At the same time, universal insurance has a guaranteed interest rate, Ping An has a guaranteed interest rate, and other insurance companies are!

Buying Magnum must be noted:

1. Not suitable for people around 50 years old or above.

2. Based on the contract, the guaranteed interest rate shall not be lower than the bank interest rate.

3. The company has long-term stable income, and the investment income is not high or low.

4. The annual premium should be in line with one's financial ability and controlled at 10-15% of the annual income 5. The controllability of universal insurance is extremely poor and the cost is extremely high, so it is recommended that the payment age is more than 10 years.

6. The best buyers are mainly those with generous financial ability, the younger, and those with conservative needs, commonly known as "rich people"!

No one can say this well, Ping An salesman recommends to you that this should be a combination product, depending on the specific insurance protection terms.

Theoretically, if you have high blood pressure, the insurance company will not cover it.

Universal insurance is a type of insurance product. In addition to providing life protection like traditional life insurance, customers can also directly participate in the investment activities of the funds in the investment account established by the insurance company for the policyholder, and the policy value is linked to the performance of the policyholder's investment account funds operated independently by the insurance company.

Most of the premiums are used to purchase investment account units set up by insurance companies, and investment experts are responsible for the transfer of funds in the account and investment decisions, and invest the funds in various investment vehicles.