Has anyone bought Optimus Prime 2020 life insurance on Little Umbrella Insurance?

Optimus Prime 2020 life insurance on small umbrella insurance is still very good, Optimus Prime 2020 This product is still very cost-effective, small umbrella insurance, is an Internet insurance company of Tencent, and it has done a good job in the field of Internet insurance.

Little Umbrella - Optimus Prime Term Life Insurance No. 3 is a cooperation between Little Umbrella Insurance and China Merchants Life Insurance, a century-old central enterprise, which is divided into two versions: standard version and preferred version, with corresponding rates and a maximum insurance amount of 3 million. A 30-year-old woman insures 1 million yuan, pays for 30 years, and insures for 30 years, with a premium of only 730 yuan per year, and if it is the preferred version, the rate will be more favorable, 700 yuan. Only a few hundred yuan a year, two lipsticks can make the whole family economy get a very adequate guarantee, Optimus Prime No. 3 is a cost-effective choice.

You can also attach the insured waiver, after 90 days of insurance, if the insured suffers from a mild or serious illness as agreed in the contract, the subsequent premiums can be waived, but the main insurance coverage will not stop, and the contract is still valid. It is very suitable for single-income families with housing loans and car loans, or families with young babies who have not completed their studies, and whose parents have retired and whose pensions are not high.

I bought it before, and last year, I bought a children's critical illness Bumblebee No. 2, and a hospitalized 10,000 yuan care. Critical illness insurance has not been claimed, so I will not make a statement. 10,000 yuan care is still good, before the child was sick and hospitalized, on the official website to apply for a claim, customer service quickly contacted me, because I don't know how to operate, under the guidance of customer service, I still got a claim very smoothly, I think it's quite reliable.

Optimus Prime 2020 life insurance is under consideration, and my husband and I are planning to buy it.

1. The payment period of Optimus Prime Fixed Life can be selected for 30 years, so the annual premium is more affordable, even if the economic situation is not optimistic, it will not cause too much burden on the family economy.

2. Optimus Prime Term Life Insurance can be insured for your family, rather than just yourself like other products. In this way, the husband and wife can insure each other for each other, and of course, the beneficiaries are also each other.

3.Let's take a look at the health notice, there are only 4 loose health requirements for Optimus Prime, not only are the health requirements relaxed, but Optimus Prime also gives a huge space in the following items:

Covered Occupations – Less Restrictive.

Relative health – no requirement.

Email Verification – Not required.

Contribution period - long term, up to 30 years.

Beneficiaries – Multiple beneficiaries can be designated.

War, terrorist attacks – covered.

About the service of the small umbrella: The small umbrella strives to provide a more friendly service experience for the user register, from insurance to claims can achieve one-to-one consulting services for members, not only free shipping for claims but also monthly member benefits.

Hello, Optimus Prime No. 3 is a term life insurance, the responsibility is very simple, the main protection is basically death, total disability, all products are similar, the premium refers to the following figure (from Deep Blue Insurance).

There are many ways to sell this. But it seems to be all online.

As a person who has studied insurance for many years, I know this little umbrella Qin Tianzhu 2020 life insurance too well, because every life insurance in this series of Optimus Prime is very popular, and the advantages of this insurance will be told to you specifically. 1.Rates are low.

Take a 30-year-old male, guaranteed for 30 years, paid for 30 years, insured for 1 million, for example, the premium is 1080 yuan a year; 2.In the event of death after total disability, the payout can reach 120%* of the basic sum insured, which is very strong. 3.Abundant protection responsibilities, diagnosed with critical illness, moderate illness, and mild illness waiver of late-stage insurance premiums, total disability waiver of late-stage insurance premiums, and the policy will not be terminated after total disability, and additional compensation for special care death insurance4

There are only 3 health notices, and the underwriting is more relaxed; 4.Waiting period of 90 days, earlier coverage; 5. The insurance period is 30 years, and the insurance is 60 65 70 80 years old, which is more flexible; 6. The age of the insured can be up to 60 years old, and the protection group is wider.

Optimus Prime 2020 is very cost-effective, and if you are in good health and meet the insurance requirements, you can focus on this one.

Optimus Prime 2020 is guaranteed as follows:

It can be seen that the protection of Optimus Prime 2020 is very simple, for example, if you buy 1 million insured, unfortunately die or become completely disabled, you will directly compensate your family with 1 million.

Compared to other life insurance, Optimus Prime 2020 has two advantages:

Physical health is cheaper:The standard version of Optimus Prime 2020 is almost the same price as the cheapest Dinghai Pillar before, and the preferred version, which has higher physical requirements, is 4% cheaper than Dinghai Pillar. price, and the preferred version, which has higher physical requirements, is 4% cheaper than Dinghaizhu.

20% more compensation for death after total disability:In the unfortunate event of death after 180 days of total disability, 20% of the sum insured will be paid, while the contract will be terminated after the other products are fully disabled.

There are 3 points of disadvantages:

1. There are many exemption clauses

The so-called exemption clause is what the insurance company stipulates that it will not be compensated, and Optimus Prime 2020 has a total of 4 exemptions:

Let's go straight to the conclusion:

Optimus Prime 2020 is a little more exempt than other life fixes, mainly because of the causeDrug abuse, drunk driving, driving without a valid driver's license, resulting in the death of the person will not be compensated.

For example, some people ride motorcycles without a driver's license, and in the event of an accident, they may not be compensated.

In fact, for most ordinary people, this situation is still very rare, don't worry too much, the previous Dinghaizhu also had this exemption requirement.

2. It is difficult for patients with high blood pressure to be insured

Optimus Prime 2020 has stricter requirements for high blood pressure, take the more relaxed standard version as an example:

If you have high blood pressure over 150mmHg, you can't buy it, while some loose products up to 160mmHg can be insured.

In addition to high blood pressure, the other health notices of the standard version are quite relaxed, with only 3 articles, like common nodules, which are not asked, and can be insured directly.

Although the preferred version is 4% cheaper, the health notice is very strict, and if it does not meet the requirements, I think the standard version is enough, after all, it is only a few dozen dollars more expensive than the preferred version.

3. The company's brand is not big enough

Hengqin Life Insurance was established not long ago, and its branches are mainly concentrated in Guangdong.

Many people will pay more attention to the company's brand, but I don't care, after all, insurance involves the national economy and people's livelihood, and it is very safe.

Overall, Optimus Prime 2020 is still worth considering, and it is cost-effective.

Recently, Hengqin Life's newly launched Optimus Prime 2020 term life insurance product claims to have achieved the lowest price in the marketOptimus Prime 2020: This rookie in the life setting industry has some flaws.

First of all, this product18-60 years oldof people can be insuredThe coverage period can be selected for 30 years, guaranteed to60 65 70 80 years old, the choice is more flexible.

Optimus Prime 2020 can be divided into:The standard version of the 1-4 occupational group is insured, and the preferred version of the 1-3 occupational group is insured。The premium version is compared to the standard version, except:Stricter restrictions on occupationsHealth notifications are also strictIf you have hepatitis B virus carrier, thyroid nodules, chronic bronchitis, etc., you cannot be insured.

However, the premium version will be relatively cheaper.

From the point of view of the responsibility of guarantee, it is worth noting that there isSpecial care for death benefits: 120% of the basic sum assured can be paid in the event of total disability, which is the icing on the cake.

Let's take a look at the disclaimer clause, the best life care products on the market at present are the 3 exemptions, and Optimus Prime 2020 is based on thisIt also includes active drug use or injection, drunk driving, and illegal drivingWait a minute. Therefore, people who have the habit of riding and driving should pay special attention to this point so as not to affect the claim in the future.

Finally, look at the premium, the premium of this product is really cheap, the insurance amount is 1 million, the guarantee is 30 years, the payment is 30 years, the maximum is 1130 yuan for 30-year-old men, and the maximum is 610 yuan for 30-year-old women, and the cost performance is really high!

In general, this product is more suitable for people who pursue cost-effectiveness and have no requirements for exemption clauses. Of course, there are many other excellent life insurance products on the market, and there is always one for you:Top 10 Life Insurance Worth Buying!

Compared with other insurances of the same type, there are only 3 health notices for Little Umbrella Optimus Prime 2020 Life Insurance, and the underwriting is very relaxed.

Xueba talks about insurance, focusing on insurance evaluation! Here are some tips on what you may need to know about health adviceWhat are the tips for health notification when applying for insurance? 》

Optimus Prime 2020 is divided into standard version and preferred version, the preferred version of the health notice is stricter than the standard version, if there is hepatitis B virus carrier, thyroid nodules, chronic bronchitis, etc., can not be insured, suitable for healthy friends to consider, but the premium of the preferred version will be cheaper than the standard version. Naturally, it is much easier for healthy individuals to buy insurance, and there is room for choice, but for non-healthy individuals, it is necessary to carefully look at the health notice, according to years of experience in assisting in insurance, and summarize the matters that need to be paid attention to when buying insurance, let's take a look.

Health notification is an inquiry and investigation of the physical condition of the insured person by the insurance company at the time of purchase. This is directly related to whether the insurance can make a normal claim, and different insurance companies have different requirements for health conditions and the content of the inquiry is also different.

If you do not tell the truth, when the circumstances are not serious, you can choose to declare to the insurance company for supplementary underwriting, so that the protection is still effective.

If you conceal it too much, the insurance company has the right to terminate the contract immediately and may not refund the premium according to the provisions of the Insurance Act.

The filling in of the health notice can be answered according to these three points: what to ask and what to answer; No questions or answers; Think about it before you answer. For those who have some minor physical problems, it is best to read this article before buying insurance:

"Remember these 5 steps to get you sick and apply for insurance smoothly!" 》

At present, there are two ways to choose between intelligent underwriting and manual underwriting.

If you don't pass the intelligent underwriting, you can try manual underwriting, because the accuracy of manual underwriting is relatively large, and the flexibility is relatively high, if the manual underwriting can't pass, then you have to change a product, and replace it with those products that are not so strict about health, I have selected some products that are more worth buying, and those with less high health requirements, you need to be able to collect:"Big Ranking of Insurance Products with Low Health Requirements".

Friendly reminder

2. If you have been misdiagnosed before, you must tell the insurance company in time, because the misdiagnosis will also have outpatient or inpatient records, which may affect the later claim work.