Ping An s universal insurance is not the older you get, the higher the annual premium

Magnum is not very the same as other types of insurance, it is not the older the higher the premium, but the older the age, the higher the cost of deducted protection, and young people can buy the same premium, but young people can be protected for life, older people, may be because the cost of protection is too high, and the money in the account will be deducted early, which makes the policy invalid in advance, unless at the time of purchase, just demonstrate, pay more, or extend the payment period, additional premiums or when you are old, Reduce the amount of insurance and reduce the cost of protection.

First of all, it must be stated that this is true for any insurance product, the older you are, the higher the premium. And basically, over 55 years old, premium inversion is inevitable, over 69 years old, there is really no choice, or many products of insurance companies are automatically not open to you.

Secondly, what is the basic premium, the additional premium, this interpretation does not hold.

The deduction of relevant expenses is transparent, only the deduction standard for the first 5 years is relatively higher.

At the same time, it must be noted that all individual insurance universal in the industry will implement the unified regulatory standards of the CIRC, and there will be fluctuations, but they are very small. So, under this standard, everyone is on the same page.

The so-called suitable for rich people, I personally think, it's just that rich people will buy more.

I'm sorry, the general universal insurance plan is still a thousand-dollar unit, except for special circumstances, there are few standard cases of tens of thousands of yuan.

As for the effectiveness of the policy, it depends entirely on how it is planned, not on the cause and effect mentioned in your question, which is completely unreasonable.

If you say customer, unfortunately, you are being hinted at.

If you are a member of another company or a financial practitioner, please do not confuse the public and secretly change your thoughts.

Yes, the premium increases with age, otherwise the sum insured is pitifully small.

Ping An Insurance universal insurance has an age limit, but because universal insurance has financial management functions, the age requirements for the insured are not high, and generally speaking, people under the age of 70 can be configured.

Before buying insurance, these key knowledge points must be understood, otherwise you won't know if you fall into the pit:Before buying insurance, you must first understand these key knowledge points!

Universal insurance is a kind of life insurance that includes insurance protection functions and sets up an investment account with guaranteed returns.

Universal insurance is so popular with the public mainly because of its following advantages:

Flexible payment: You can choose and change the payment period at will.

Adjustable sum insured: Within a certain range, you can flexibly adjust the sum insured according to your budget.

Flexible collection of policy value: You can flexibly receive the policy value amount at any time for children's education, your own follow-up pension and other purposes.

There are many advantages of universal insurance, and the senior sister does not recommend everyone to buy it.

The policy contract of universal insurance will only stipulate the minimum interest rate, and the part higher than the guaranteed interest rate is not guaranteed.

And many unscrupulous people will use medium and high interest rates to calculate the income of universal insurance, which seems to be very profitable, but in fact it is empty talk.

The four major types of life insurance, "critical illness insurance, medical insurance, accident insurance and life insurance", can bring us more adequate protection: what is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Hope.

There is an age limit for buying Ping An Insurance Universal Insurance, and the sum of the policyholder's age and insurance period is required to be no more than 70 years old.

In addition to providing life protection like traditional life insurance, universal insurance can also allow customers to directly participate in the investment activities of the funds in the investment account established by the insurance company for the policyholder, and link the value of the policy with 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 the protected funds are invested in various investment vehicles.

It is a financial management method to calculate the value of assets in the investment account and ensure that the policyholder can enjoy the principal and certain interest protection of the account balance under the premise of investment operation with the help of expert financial management.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Xueba talks about insurance, focusing on insurance evaluation! Buy universal insurance, this ranking list you must collect:"Cost-effective! Top 10 universal insurance points worth buying! 》

With a monthly income of more than 2,000, buy a universal insurance, unless you have parents to help you pay the money, don't think about it. Ping An's universal insurance protection is not very good, and if you want to return to the capital, you must be prepared for long-term investment for more than 10 years. Let's take a look at Ping An's universal insurance, whether it's worth buying!

Universal insurance is a type of insurance that integrates investment income, death protection, and critical illness protection, with multiple protections under one policy. This kind of insurance is one of the most favorite insurances of insurance companies, and its name is that universal insurance is universal.

Even the big-name insurance company Ping An Life is no exception.

Ping An has a lot of universal insurance on sale, such as Smart Star, Smart Star, Smart Life, Smart Win Life, etc., and the protection content and financial management seem to be quite good. Is that really the case?

Let's take the popular "outwitting life" on the market to analyze.

Let's take a look at its financial management features first.

The main insurance of this insurance is universal whole life insurance, the main means of financial management is to give you a universal account, it should be noted that you need to deduct the initial cost and protection costs, and the rest can be calculated as interest, the specific interest is uncertain, according to the operation of the insurance company, but some of the guaranteed interest. What is the concept, the interest rate of Yu Bao is about now.

If you want to know how to deduct the initial cost and the cost of protection, this will talk a lot, I won't talk about it here, if you are interested, you can see the original article of my evaluation:"After reading this, do you still think that the safe [Outwitting Life] is a product worth buying?"

Let's talk about its safeguard function.

This critical illness benefit does not cover minor illnesses, for example. In other words, if you unfortunately have chronic kidney dysfunction, the insurance company will not pay a penny, and will not pay you until it becomes end-stage renal disease. All critical illness insurance policies on the market will include protection for minor illnesses, and some will even add protection for special diseases.

Believe it or not, just look at this comparison table:"Super Complete! A big comparison of 136 popular critical illness insurances in China

The water of universal insurance is very deep, and ordinary people do not need to buy universal insurance, and the protection of universal insurance is very limited. It is recommended that you honestly buy critical illness insurance, life insurance, etc., which are specifically designed for a kind of insurance that protects the reverse.

1. The insurance company has a rule: that is, the premium = personal annual income * (10% 15%), and the overall feeling is that if you pay 6000 a year, there will be a little burden on your life, but if you have the help of your parents or have more extra money, you can ignore this problem.

2. Pay 6,000 yuan annually, and the general salesman will recommend it to you for more than 15 years, because the benefits of this insurance are manifested in the later stage, which can be used as a long-term financial insurance, or it can be said to be a reserve of funds for the future.

It is not recommended to hold it in the short term, if a salesman says that it can be doubled in the short term, you can directly complain to him and her!

3. The interest rate of Ping An's universal insurance is the highest among all insurance companies, which you can rest assured that this data can be found on the official websites of major insurance companies.

4. The key question, you must hold this insurance for a long time, there will be a certain loss when you surrender the insurance halfway, so it must be your usual extra money, if the life is not enough to maintain, then it is recommended to buy a smaller amount of insurance, which can not only return to the capital, but also provide protection for yourself, such as the current "Sanxin" (this is the abbreviation of three types of insurance), or mainly consider your economic problems.

5. Universal insurance can be taken, but the amount withdrawn is not enough to deduct "initial expenses + operating expenses." If you take it in advance, it will not affect your interests after a few years, but it may also cause the insurance to lapse (the insurance is invalid).

Don't say much, and then your salesman should scold me for telling the truth too much, but insurance is such a thing, my own feeling is that insurance is very good, insurance salesman is not very good, the key is their ability to pay, do what you can!

I think universal insurance is still very good, for universal insurance I think you can consult other companies, I think it is best to shop around, I think Ping An's universal type and Chinese life picc have to fight Oh! If you want to know more about it, ask the salesman and let them explain it to you! After all, buying insurance is a major life event!

The annual fee is indeed unlimited, but it is not suitable for short-term purchase, because universal insurance is an insurance that integrates financial protection, so if you buy it for a long time, the benefits in the later period are great

For short-term purchases, you will feel that it is not suitable because there are some expenses to be deducted upfront.

If you're planning to buy it for a long time, you'll definitely be satisfied

Hello! Your annual income is 2-30,000 yuan, and generally speaking, the amount of insurance purchased is 15%-20% of your annual income. Don't let insurance premiums be a burden on you.

Ping An's universal insurance is 6,000 per year, but it can also be 4,000 or 5,000. But it is recommended that you pay 15 years later and take it when you need it urgently!

A very good product; However, you can compare Taikang's "excellent life omnipotence".

Taikang Excellence Whole Life Insurance (Universal).

Issue age: 0-55 years old. "Taikang Excellence Life Whole Life Insurance (Universal)" is a company that has both investment and financial management functions.

A universal insurance plan with a coverage function. Open an account to enjoy double protection of 120,000 yuan and 100,000 critical illness. On the one hand, the policy account value.

Monthly interest, interest rate, compound interest appreciation, can meet the needs of customers in pursuit of higher investment returns; On the other hand, Ben.

The contract insurance amount can be increased or decreased according to the customer's needs, and the policy account value can be added or received at any time, which is flexible and adjustable.

It meets the needs of customers who are looking for personalized protection. The annual payment is 6,000 yuan, and the payment can be paid for 10 years. Minimum 20 times the account opening amount.

the sum assured; 32 major diseases are paid 100,000 yuan in advance; Accumulate accounts, roll over with monthly compound interest, and continue to accumulate wealth; Guaranteed Returns! Comprehensively solve life problems such as accidents, major diseases, medical treatment, education, and pension. It can be used as a child's education fund and a pension in the future.

can be added at any time (base 2000 in increments of 1000 or multiples thereof); After 5 years, you can receive a partial claim at any time (each time you receive more than $500, and it is a whole number) for any of your expenses. If you pay the fee in the following year, you will receive a continuous bonus of 2%, how long you pay, how long you will be rewarded.

Comparison of features and highlights: When a customer is out of insurance, the payout of PA Company is: the greater of the coverage amount and the policy account value;

And we at Taikang Life, when a customer is out of insurance, our payout is: the sum of the sum insured and the policy account value!!

Their guaranteed returns are;

Our guaranteed income is:

There is a comparison to distinguish.

Taikang Life Insurance Guizhou Branch Guiyang directly under the business area Gao Mingyu.

Universal insurance refers to the insurance protection function, at the same time, the part of the premium paid by the policyholder enters the investment account, and the policyholder decides the amount of funds allocated to the insurance protection account and the investment account, and the funds in the universal insurance investment account have a guaranteed return and the investment risk is low.

So, in the case of declining settlement interest rates and insurance companies taking the initiative to stop universal insurance, can universal insurance still be bought?

Industry insiders believe that if the purpose is to protect, it is not very meaningful to buy universal insurance, because the protection provided by universal insurance is mainly death protection and total disability protection, but it cannot cover accident, medical treatment, critical illness protection and other aspects.

If it is an investment, buying universal insurance is a long-term investment; If it is a short-term investment, the actual return of universal insurance is likely to be unsatisfactory. It's also worth noting that universal insurance is not a substitute for savings. Because the income of universal insurance is the account value of the policy, that is, the funds after deducting the initial fee and account management fee in the premiums paid by the individual, compared with the income of savings interest, there is a big difference.

Hello! This is a more flexible insurance with all aspects of functions, including the payment function, you have the right to pay for life, but after you pay for ten years, you can exercise your right to pay according to your own situation, and there can be a break in the middle!

There is no good or bad for Hello insurance, only suitable and unsuitable, universal insurance is more important than protection, and the payment can be lifelong, but the shortest should be saved for ten years. The key depends on what you are protecting.

Hello! Universal insurance is a very good insurance to protect against critical illness, accidents and retirement. It can take all three into account, or it can focus on one aspect of the guarantee. You can pay for at least 10 years, and you don't have to pay for life.