2019 Ping An Fu premium breakdown

According to different ages, the premiums are different, Ping An Fu is a low premium and high protection product, the difference between Ping An Fu early and late:

48-year-old Ping'an Fu 9344 yuan, 18-year-old Ping'an Fu 3430 yuan, the same value, the same protection, the same lifelong, the age is different, the premium is far from the same, 18-year-old insurance is also lifelong, 48-year-old insurance is also lifelong, 18-year-old than 48 years old, 30 years more, but nearly 6000 yuan cheaper per year, 20 years is nearly 120,000,000,

Summary. If the insured is still alive at maturity and has a critical illness benefit, the total premium of the main insurance + supplementary insurance will be returned as the survival benefit at maturity; If there is no supplementary critical illness benefit, the total premium of the main policy will be refunded as a survival benefit at maturity. In the unfortunate event of the death of the insured, the greater of the sum insured and the cash value of the main insurance will be paid.

In the case of critical illness protection, there are 120 types of critical illness protection, and the waiting period is set at 90 days, and the protection that should be available is available, and the compensation is large in the sum insured and the cash value of the main and supplementary insurance, which is sufficient. On the whole, Guardian 100% 2021 achieves the effect of "multiple protections in one policy" through the combination of two comprehensive insurances and aggravated illness insurance, and its protection period is more flexible, with optional insurance until the age of 60, 65, 70, 75 and 80 years old, and you can receive a full survival benefit if no critical illness occurs at the appointed time. If the amount of the main insurance is 500,000 yuan, insured until the age of 70, and paid in 30 years, the annual premium paid by a 30-year-old man is 12,050 yuan, and the annual premium paid by a woman of the same age is 11,850 yuan.

Hello dear, glad to answer for you. The list of Ping An Fu premiums is as follows:

If the insured is still alive at maturity and has a critical illness benefit, the total premium of the main insurance + supplementary insurance will be returned as the survival benefit at maturity; If there is no additional critical illness benefit, the total premium of the main insurance will be refunded as a survival benefit at maturity. In the unfortunate event of the death of the insured, the greater of the sum insured and the cash value of the main insurance will be paid. In the case of critical illness protection, 120 kinds of critical illness protection, the waiting period is set at 90 days, and the protection that should be available is laughing, and the amount of insurance and the cash value of the main and supplementary insurance are more than enough.

On the whole, Guardian 100% 2021 achieves the effect of "multiple protections in one policy" through the combination of two comprehensive insurances and aggravated illness insurance, and its protection period is more flexible, with optional insurance until the age of 60, 65, 70, 75 and 80 years old, and you can receive a full survival benefit if no critical illness occurs at the appointed time. If the amount of the main insurance is 500,000 yuan, insured until the age of 70, and paid in 30 years, the annual premium paid by a 30-year-old man is 12,050 yuan, and the annual premium paid by a woman of the same age is 11,850 yuan.

The main insurance is a whole life insurance, and the additional insurance is a lifelong critical illness insurance, a long-term accident insurance that is insured to the age of 70, an additional insurance that pays for multiple claims for malignant tumors, and a premium waiver for the insured's critical illness and minor illness. In 2019, the company upgraded and improved, mainly providing protection for death, illness, malignant tumors, accidents, hospitalization, exemptions, etc.

You can contact me to explain the specific situation in detail, and we will provide you with more accurate advice and assistance according to your situation.

I'm 24 years old, and I pay more than 8,000 a year, which is more expensive.

How old is the age, gender, is it 10 years to pay.

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 Fu 2017 Insurance Plan has a waiting period of only 90 days for critical illnesses, covering 80 critical illnesses and 20 minor illnesses. Comprehensive coverage, in addition to death and critical illness benefits, there are also accident benefits, self-driving, public transportation accidents double the payout.

Ping An Fu 2017 Insurance Liability.

1. Death protection, judging from the composition of the terms of Ping An Fu 2017, its main insurance is a whole life insurance, which provides death protection, once owned, it will protect a lifetime.

2. For critical illnesses, Ping An Fu provides coverage for up to 80 major diseases, with a waiting period of only 90 days, and compensation will be paid immediately upon diagnosis, ensuring timely arrival.

3. Minor illness protection: In the first occurrence of "specific mild critical illness", 20% of the basic insurance amount of critical illness will be paid "specific mild critical illness insurance benefit", which will not affect the payment of critical illness protection.

4. Double payment for accidents in self-driving and public transportation, and the driving accident insurance provided by "Ping An Fu" can be paid twice the basic sum insured when the insured is injured in an accident while driving, taking a non-operating private car or taking a public vehicle.

5. Accident protection until the age of 70, and the accident protection liability of "Flat Stool Anfu" is extended to the age of 70, and the care is upgraded and the protection is doubled; As many as 281 accidental disability assessment standards provide a wider coverage of liability and more comprehensive protection.

6. Premium waiver, Ping An Fu 2017 can also provide premium waiver function.