There are many types of universal insurance of Ping An Life, which one is better?

Universal life insurance has always been favored by customers for its flexible protection and stable investment. A few days ago, Ping An Insurance Group of China advocated the concept of "health omnipotence" and launched the "Ping An Zhifu Life Universal Insurance Critical Illness Insurance" plan.

As one of the first insurance companies in China to launch universal life insurance, Ping An has been committed to product innovation. The universal critical illness insurance plan launched this time not only maintains the advantages of "lifelong protection + stable investment" of Yuanzhifu Life Universal Life Insurance, but also gives customers health protection.

The plan has obvious advantages, flexible premium payment and flexible dual protection, making it very suitable for lifelong protection planning; At the same time, its stable investment income, flexible financial management functions, and open and transparent product features make it an excellent choice for stable investment. Undoubtedly, this is a comprehensive plan that is tailored for individuals and families to balance financial management and protection.

Double protection to protect the "home" escort.

In the current market, investment-based insurance products have gradually gained wide recognition, and more people have begun to pay attention to the investment function of insurance; At the same time, as people are increasingly concerned about their own health and the health of their families, health insurance has become one of the choices for many people to buy insurance.

On the basis of the original Wisdom Life Universal Life Insurance, the "Health Universal" plan has added additional prepayment critical illness insurance. The plan includes early payment for 28 major illnesses for men and 30 for women, providing customers with dual protection of health insurance and whole life insurance. Customers can choose the corresponding basic sum assured of universal main insurance and the basic sum assured of additional prepaid critical illness insurance according to their needs at different stages of life, so as to support a strong umbrella for themselves and their families and enjoy a worry-free life.

The sum insured can be selected flexibly.

The regular premium of the Universal + Critical Illness Insurance Plan will continue to be paid in the flexible form of Universal Master Insurance, and the additional early payment critical illness insurance will only charge the cost of protection from the customer's existing policy value account, and no additional premium will be charged. Customers can freely adjust the basic sum assured of the main insurance and the basic sum assured of the additional insurance according to the different needs of different life stages without changing the premium paid on a regular basis (the premium paid on time must be greater than or equal to RMB 5,000). Similar to Universal Insurance, the Supplementary Critical Illness Insurance Plan can also enjoy the premium deferral function, which means that the policyholder can still maintain the validity of the policy when the policyholder is temporarily unable to pay the premium.

Guaranteed investment and stable returns.

While providing flexible dual protection, the "Universal + Critical Illness Insurance" plan continues to have the investment advantages of universal life insurance, with a guaranteed annual interest rate on the policy value of the participating investment, and customers may also obtain a higher return on investment, on which the interest will increase with monthly compound interest. Ping An has always adhered to the principle of prudent investment and actively participated in the innovation of investment channels, and Universal Insurance has performed well in terms of income since its listing, and has been stable in annual interest rate for 12 consecutive months since July 2005.

That pension insurance can also have dividends.

Case situation: In recent years, is it better to buy Ping An universal insurance, or is it better to buy Chinese life universal insurance? Which dividend is high?

Expert advice: The income you mentioned is uncertain every year for Ping An Universal Insurance and Chinese Life Universal Insurance, depending on the company's income status, but I hope that you will focus on the essential function of insurance when buying insurance, because buying insurance is actually buying protection; Universal insurance is operated as a separate account and does not involve dividends from insurance companies. In addition, in terms of the settlement interest rate of universal insurance in the past 5 years, Ping An universal insurance and Chinese life universal insurance are equal.

Both early stages are the same, just look at the later returns, there is an uncertainty in the returns, especially insurance is a medium and long-term investment; You can properly search for the benefits of Ping An Universal Insurance and Chinese Life Universal Insurance, and make a decision! There is no such thing as good or bad insurance, and the best is the one that suits you. Therefore, the important thing is how to plan, the planning of universal insurance is more complicated, and you need to determine the regular premium and reasonable payment period according to your age, gender, and the amount of insurance you need.

Some** or even other financial instruments will be better than insurance. The most important function of insurance is to protect against risks. Dividends are his side function.

The operation of the two major domestic companies is not bad, Ping An universal insurance and Chinese life universal insurance are not much different, the insurance regulatory commission has very clear regulations on the investment scope of insurance funds, such as high-risk and high-return **, ** and other investment channels, have limited very strict investment ceilings, because for insurance companies such as operating liabilities, capital security is the most important. Therefore, the investment income of each company is basically the same, and it is even more difficult to say who will have a higher or lower investment income in the future. You can also buy a little from each of the two companies, don't put the risks in the same basket Warm reminder:

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

In fact, from the perspective of universal insurance itself, regardless of whether it is good or bad, it is only on the market after the approval of the Insurance Regulatory Commission.

To distinguish, it is necessary to speak from the company's point of view, first, universal insurance, invested in, you will not see any benefits in one or two years, at least more than 10 years, his compound interest interests will be highlighted.

Third: Examine the company's standards to see if the company is really thinking about customers.

Fourth: universal insurance compound interest is once a month, so the biggest factor that can make universal insurance return better is the long-term stable rate of return, rather than the short-term high oscillatory rate of return, from this point of view, Chinese life is the first choice;

Fifth: The status and role of Chinese Life in the insurance industry are equivalent to the "People's Bank of China" in the banking industry, and financing and investment channels and profitability cannot but be optimistic in the long run;

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

Suitable for people who have no confidence tomorrow and have limited funds, this kind of insurance is not limited to the amount of time after a single payment, until the end of the insurance after the funds are used up.

Suitable for small children and young adults.

Older ones are not suitable.

Suitable for all ages 18 to 60. If it is classified, it is also appropriate to talk about the following three groups:

1. Businessmen have a large demand for capital turnover and are unwilling to let the bank shrink. Wealthy people, although they don't think much about income, can create a high value while making high returns.

2. Drivers, mainly taxi drivers, are interested in security. Vendors, people who consider income and security equally, plan to play in detail.

3. Primary three: Anxiety about youth, numbness and soberness of love, and the need for flexible regret and Jane's wealth passbook --- universal insurance. The salesman, shuttling between the cities, witnesses many thrills, and especially needs the deferred payment function of universal insurance; Farmers, who have lost interest in banks and have nowhere to store their spare money, want to invest in high-risk projects.