It is not very stable, which is more suitable for Ping An Insurance s Ping An Fu or Outwitting Life

Ping An Fu is a pure protection product, the protection is very complete, as small as bumps and bumps cats and dogs, as long as you deal with the hospital, you can report, the shortest waiting period for critical illness in the industry, self-driving, double compensation for public transportation, to 70 years old, the longest in the industry, it is recommended to be the first choice, if the economy is good, you can choose Le Hengfu as a pension.

Each has its own product characteristics, specific microlink.

Outsmart Life is a whole life insurance (universal type) launched by Ping An Insurance, the main insurance of this type of insurance is universal insurance, providing death protection, the guaranteed interest rate of universal account is, and the actual settlement interest rate is subject to the official website of the insurance company.

In addition, Superior Life can also be added with Advance Critical Illness Insurance, Worry-Free Accident Insurance, Worry-free Accident Injury Medical Insurance, and Worry-free Waiver of Insurance Premium Critical Illness Insurance BC.

It is a universal insurance.

1. Death benefit: the greater of 105% of the policy account value and 150,000 yuan;

2. Critical illness insurance benefit: the greater of 105% of the policy account value and 100,000 yuan;

3. Accident insurance (before the age of 65);

4. Exemption: In the event of death, critical illness and disability as agreed in the contract of the policyholder of the main insurance, or the occurrence of the critical illness agreed in the contract by the insured, the insurance premium for the remaining periods during the insurance period of the exemption insurance shall be exempted;

5. Triple reward: If the premium is paid on time in the first 4 years, when the insurance premium is paid in the first 5 years and the first 10 years, we will allocate an additional 1% of the accumulated insurance premium at that time into the policy account; When the premiums paid for the previous 20 years are completed, the additional distribution of the accumulated premiums will be credited to the policy account.

6. Flexible collection: After the cooling-off period, you can partially claim the policy account value at any time as needed, without any charge.

Summary. Ping An Life is a whole life insurance that integrates education, marriage, pension and death.

What kind of insurance is Ping An Outsmart Life of China?

Ping An Life is a whole life insurance that integrates education, marriage, pension and death.

Can you elaborate on that a little bit more?

Ping An Outsmart Life is a whole life insurance, mainly planning cash flow, planning children's education, marriage, pension, death of a whole life insurance, each person, each family out of your annual income about 10% of the planning long-term cash flow, can take into account education, pension, pre-marriage, post-marriage asset mixing, pension, asset inheritance, etc.

Summary. Ping An Life Outsmart is a whole life insurance policy. At the same time, the interest rate is guaranteed, and the account value can be claimed at any time, so it is essentially a universal insurance.

The main insurance of Outsmart Life only covers death, pays 105% of the policy value or the basic sum assured, and also adds critical illness, accidental disability and accidental medical treatment, covering a wide range of coverage, but only covers 30 types of critical illnesses, and the sum insured is shared with death, and the death sum assured is also small after the critical illness claim is settled. The advantages of whole life insurance are as follows: 1. It provides lifelong protection, and the beneficiary can get the insurance claim no matter when the insured dies; 2. The insurance money can be passed on by designating a beneficiary, and does not need to be used to repay the debts of the insured during his lifetime, and does not need to pay taxes.

The disadvantages of whole life insurance are as follows: 1. High premiums and long payment time will cause a lot of payment pressure to the policyholder, requiring a certain amount of economic ability; 2. The flexibility of funds is poor, the probability of claims in the early stage of insurance is low, and the insurance money cannot be withdrawn in advance.

Hello dear! Ping An Life Wise is a whole life insurance <> Ping An Life Smart is a whole life insurance policy. At the same time, the interest rate is guaranteed, and the account value can be claimed at any time, so it is essentially a universal insurance.

The main insurance of Outsmart Life only covers death, pays 105% of the policy value or the basic sum assured, and also adds critical illness, accidental disability and accidental medical treatment, covering a wide range of coverage, but only covers 30 types of critical illnesses, and the sum insured is shared with death, and the death sum assured is also small after the critical illness claim is settled. The advantages of whole life insurance are as follows: 1. It provides lifelong protection, and the beneficiary can get the insurance claim no matter when the insured dies; 2. The insurance money can be passed on by designating a beneficiary, and does not need to be used to repay the debts of the insured during his lifetime, and does not need to pay taxes.

The disadvantages of whole life insurance are as follows: 1. High premiums and long payment time will cause a lot of payment pressure to the policyholder, requiring a certain amount of economic ability; 2. The flexibility of funds is poor, the probability of claims in the early stage of insurance is low, and the insurance money cannot be withdrawn in advance.