Smart Star Insurance is in detail, how about Smart Star 2 Insurance

Smart Star prepares "four pots of gold" for children in advance: education funds, entrepreneurship funds, wedding funds, and pensions.

At the same time, it provides lifelong protection, so that there is no gap in love: value protection, disability protection, accident protection, and critical illness protection.

Ping An Smart Star product introduction.

One policy, multiple functions.

1. Meet the financial needs of life: flexibly receive, plan children's education, entrepreneurship, marriage, and pension to meet the financial needs of children at all stages of life.

2. Double protection for critical illness: 45 types of critical illness and accidental disability are guaranteed, so that you can enjoy dignity.

3. Flexible and adjustable, versatile: to meet the needs of protection at all stages of life.

4. The interest rate is guaranteed and steadily increased: there is a guarantee at the bottom, and there is no cap at the top.

5. The account is transparent, and the official website can be checked: open and transparent.

This is a children's universal insurance product on sale.

It is a basic guarantee + education fund model.

Planning is relatively simple, flexible and transparent.

Insurance purchase order:

1. Protect adults first, then children, because adults are children's insurance!

2. Buy protection first, then buy financial management, because health is the key to everything!

3. Long-term payment of health insurance and short-term payment of wealth management insurance, because health insurance can be attached to the exemption function, and wealth management insurance generally has compound interest and interest-bearing function!

4. Insurance must be bought early and late, and it must be bought sooner or later; Buy more insurance and buy less, buy as much as you want!

5. Insurance is first of all charcoal in the snow, and then it is the icing on the cake!

The specific recommendations for insuring your child are as follows:

1.When buying insurance for your child, you should first consider whether the adult is adequately protected, and don't put the cart before the horse.

2.Don't ignore local insurance policies, such as whether there is medical coverage for the elderly and the young.

2.Children's insurance, based on the basis of protection, then talk about education funds.

3.In terms of protection, accidents, critical illnesses, and medical treatment must be considered.

4.There are three types of children's insurance in the market: dividend, universal and investment-linked, and it is recommended to choose the first two.

5. Insurance planning, do what you can, don't deviate from the reality of affordability, then it is not insurance. Best, solve whatever you can? Don't aim for a one-step solution.

6.Remember the additional exemptions!!

6.Buying insurance for your children, don't plan too much for a rainy day, and plan your life, which is very unrealistic. Treat it rationally and do what you can. You can set short-term, medium-term, and long-term financial goals, but if you don't ask for them all, reverse the order, and it will be a mess and a waste of money.

7.First of all, we must clearly understand the above needs and rules, and then select a qualified ** person, which is very important and very important, and then choose an insurance company.

It is recommended to communicate with ** people in detail and verify with multiple parties, after all, face-to-face communication is the most practical and effective way.

Ping An Smart Star 2 Detailed Explanation:

1. First of all, this product is for friends aged 0 to 17 years old, giving lifelong annuity insurance protection;

2. The payment deadline is 15 years;

3. The minimum profit of each year;

4. After the insured reaches the age of 60, he or she can receive the insurance benefits at the promised rate according to no more than 20% of the insurance premium paid and its cash value each year;

5. It can be added to the protection of a variety of insurance types

1) Whole life critical illness insurance, which gives a total of 120,000 yuan of insurance and covers 45 critical diseases;

2) One-year life insurance, a total of 150,000 yuan of the insured amount, if the age of 18 tragic death, can be paid according to the cash value of the insurance policy; If you die tragically after the age of 18, you will use the sum insured of 150,000 The value of the insurance policy account - the amount of compensation paid by critical illness insurance;

3) A total of 100,000 yuan of insurance is given, and if you die due to an accident and tragedy, you can pay 100,000 yuan of insurance amount; If the disability is caused by an accident, the proportion of the disability * the insurance amount of 100,000 yuan will be used;

4) Accident medical insurance, a total of 20,000 yuan of insurance amount, in the case of medical expenses caused by accidents, the maximum reimbursement of 20,000 yuan can be completed;

5) Exemption of the insured, when the insured dies in tragedy, is totally disabled, or is diagnosed with the promised critical illness, the insurance premium that must be paid afterwards can be waived, and the insured can still enjoy the protection generated by the insurance policy;

6) Waiver of the Insured, if the Insured is diagnosed with the promised critical illness, the insurance premium can be waived afterwards and continue to enjoy the protection.

Extended information: Advantages and disadvantages of Ping An Smart Star 2.

Overall, the advantage of this product is that it can provide a lot of protection in this area, and only one insurance policy can cover many areas. Moreover, everyone can also carry out the receipt of annuity sensitively, which is still very convenient. However, there are many specific shortcomings of this product, due to the fact that there is a lot of information guaranteed, which leads to a certain lack of security.

1. The first is the unscientific protection, like critical illness insurance, with a maximum insurance amount of 120,000. If a critical illness is diagnosed in a tragedy, this cost is not sufficient, and it may even be necessary to have a critical illness insurance product to cover it; In addition, critical illness insurance only covers 45 kinds of critical illnesses, which are all lacking in minor illnesses and immediate illnesses.

2. The profitability is not very rich, as an annuity insurance product, the minimum income is only, and many products on the market are higher than its guaranteed annual interest rate.

Issue age: 0 to 17 years old;

Payment period: 15 years, and an additional payment period can be added after the payment period;

Coverage Period: Lifetime;

Guaranteed interest rate: The current effective interest rate is around the same level.

Annuity return: If the insured survives safely after the age of 60, he or she will receive it according to the agreed proportion, but not more than 20% per year;

Benefits: 45 types of critical illness benefit, death benefit, accidental death benefit, accidental dismemberment benefit, accidental medical benefit, insured waiver benefit, policyholder waiver benefit;

Additional insurance: whole life critical illness insurance (early payment, sum insured 120,000), one-year life insurance (sum insured 150,000), accident insurance (sum insured 100,000), accident medical insurance (sum insured 20,000).

Are you looking to buy it?

Or are you a salesman and don't understand this product?

It's going to be a long way to finish.

Smart Star Insurance is still good.

Smart Star Children's Whole Life Insurance [Universal].

Issue age: 28 days after birth to 17 years old.

Payment method: annual payment.

Payment amount: 4000-10000

Duration of Coverage: Lifetime.

Payment period: no limit [generally recommended to pay for more than 15 years].

The main insurance does not count the risk insured amount before the age of 18, and the insurance amount agreed in the contract after the age of 18.

Break through the limit of the amount of critical illness insurance for children, up to 500,000, and there are 45 types of critical illnesses [44 types for men].

You can partially receive [children in high school and college urgently need funds can be received as education funds, or you can receive the full cash value of the policy at one time when the child starts a business and gets married, the contract is terminated, if you do not receive it, you can receive a certain amount of money every year when the child or 70 is a pension supplement].

It can be added to the policyholder's total disability and critical illness waiver, whether the insured is exempted from critical illness, and there is no need to pay separately for accidental medical treatment.

Summary. Hello, Ping An's Wisdom Star Insurance is a universal whole life insurance that provides a unique insurance liability: the death of the insured, the basic insured amount is paid.

Hello, Ping An's Wisdom Star Insurance is a universal whole life insurance that provides a unique insurance liability: the death of the insured, the basic insured amount is paid.

At the same time, this universal insurance insurance, during the payment period, the annual premium will be deducted from the cost of the life insurance amount, and the initial fee, and the rest will be compounded and increased by yourself in the universal account. After the payment period, the annual cost of protection is deducted directly from the universal account.

It can also be combined with critical illness, insurance and accident insurance. Similarly, the cost of coverage will be deducted every year.

The universal account is compounded with interest, and the policyholder can withdraw the funds in the universal account at any time. However, there is a risk that the cost of protection will be deducted from the universal account every year. If the funds in the universal account are not enough to cover the cost of protection for the current year, then the insurance contract will be terminated directly.

Smart Star is a universal insurance launched by Ping An Insurance for children. It is composed of main insurance + additional insurance, the main insurance is annuity insurance, and the additional whole life critical illness insurance, accident insurance, accidental medical insurance and life insurance. The coverage of insurance is very wide, and policyholders who want to give their children a comprehensive protection can consider this product.

As can be seen from the insurance terms of Smart Star, it mainly covers critical illness, accident and additional policyholder and insured waiver. The main insurance covers 45 kinds of critical illnesses, with 1 claim, 120,000 sum insured, 100,000 accidental death insurance, 20,000 accidental medical reimbursement and death. The whole life insurance in the additional insurance is an early payment type, with an insured amount of 120,000 yuan, a one-year life insurance insured amount of 150,000 yuan, an accident insurance maximum of 100,000 yuan, and an accidental medical insurance maximum of 20,000 yuan.

In addition, the underwriting population of this universal insurance is children aged 0-17, the payment period is 15 years, the protection period is lifelong, and the guaranteed annualized rate of return is a cost-effective product.

What is Smart Star Protection? Add a "Free Consultation" for customer service

Summary. Hello, dear. We're happy to answer your <>

Smart Star Insurance is good, insurance Smart Star this product, Ping An Insurance Smart Star is a universal insurance product launched by Ping An Insurance Company that integrates financial management and protection, the main insured group of the product is 0 17-year-old teenagers, mainly providing value, disability, accident, critical illness These four aspects of protection, the scope of protection is still relatively good.

Is Smart Star Insurance good?

Hello, dear. We're happy to answer your <>

Smart Star Insurance is good, insurance Smart Star this product, Ping An Insurance Smart Star is a universal insurance product launched by Ping An Insurance Company that integrates financial management and protection, the main insured group of the product is 0 17-year-old teenagers, mainly providing value, disability, accident, critical illness These four aspects of protection, the scope of protection is still relatively good.

Advantages of Ping An Insurance Smart Star: 1. Education reserve, flexible access to good education is a booster for a child's bright future, and Ping An Smart Star can help establish an education fund plan with safe funds, stable value-added, and the ability to independently decide the time and amount of income. 2. Flexible collection, which can cope with education and entrepreneurship and marriage leave expenses, can flexibly receive the value of the policy account according to needs, which can be used as education funds, and can also be used for entrepreneurship and marriage expenses.

The policy account is calculated on a daily basis and settled monthly, with an expected annualized interest rate for the lowest year, so that funds are safe and worry-free, and wealth grows steadily.