Which increased whole life insurance is better, and which is better increased whole life insurance

In the end, which increased whole life insurance is better, we need to combine the specific situation to analyze specifically, but also to choose the right product in combination with our own financial needs, there is no way to unilaterally say which increased whole life insurance is worth insuring.

What is the sacredness of [increased whole life insurance] that can manage money and protect it? Is it worth starting?

Next, the senior sister will take the Simatai whole life insurance (Internet exclusive) under Great Wall Life Insurance as an example to see how the protection content of this increased whole life insurance is! Without further ado, let's go straight to the picture above:

1.Analysis of insurance conditions.

Simatai Whole Life Insurance (Internet Exclusive) is a product that can provide lifelong protection for the insured, people born 30 days to 70 years old have the opportunity to apply for insurance, and the increase ratio of the sum insured of this product is that the sum insured is compounded and increased every year.

In addition, the payment term of Simatai whole life insurance (Internet exclusive) is also relatively flexible, with single payment, 3 5 8 10 12 15 20 years payment, which can well match people with various incomes and greatly reduce everyone's insurance pressure.

Moreover, the insurable occupations of Simatai whole life insurance (Internet exclusive) are also relatively wide, and people engaged in 1-6 types of occupations can be allowed to be insured, which can be said to be very intimate!

What is the impact of occupational restrictions on insurance? This 6 types of occupation insurance guide, please collect it quickly!

2.Other benefits analysis.

According to the terms, Simatai Whole Life Insurance (Internet Exclusive) has several rights and interests services, such as insurance policy borrowing, insurance reduction, additional insurance, setting up a second policyholder and docking insurance trust, which greatly improves the practicability of the policy and allows everyone to enjoy more comprehensive services.

Freshly baked! Don't miss out on the top 5 high-yield incremental whole life insurance!

If you want to ask which increased whole life insurance is better, the senior sister thinks that the product that is suitable for you and can meet your own protection needs is the best, and you can choose according to your actual situation, but before configuring the increased whole life insurance, the senior sister suggests that you must follow the principle of "protection first and then financial management", so as to better play the role of insurance protection.

In order to let the friends better find the insurance products that suit them, the senior sister has prepared a ranking list in advance, and the partners in need will pick it up: freshly baked! Don't miss out on the top 5 high-yield incremental whole life insurance!

Guangzhou, Guangdong, looking for the Pacific Ocean.

Hello, increased whole life insurance is a type of insurance that can increase the sum insured by compound interest according to a certain percentage every year, and the total disability liability protection for life is guaranteed. As for which one is better, it depends on what your needs are, such as income, payback time, flexibility in the use of funds, and so on.

I compared dozens of increased whole life insurance on the market, and selected the most worthwhile products, interested friends can poke the link to get the most complete strategy for increasing whole life! What are the pros and cons? Who is it for? How to choose? (with product list).

I've heard of life insurance, but what is increased whole life insurance?

Incremental whole life insurance is a kind of life insurance, which has a certain profitability, and it is very good for education and pension.

If you want to make up for the lack of pension, can you meet it by increasing the amount of whole life insurance? Which one is more suitable?

The difference between annuity insurance and incremental whole life insurance.

Is it good to increase whole life insurance?

Incremental whole life insuranceIt is a type of wealth management insurance with a higher cash value than annuity insurance. The characteristics of increased whole life insurance are mainly reflected in the annual increase in the sum insured, that is, the compensation is increased according to a certain law, such as increasing the sum insured by 5% year by year, or even by 5% of the sum insured in the previous year.

Advantages of Incremental Whole Life Insurance:

1.Guarantee and benefit at the same time.

The essential attribute of the product is life insurance protection, the protection period is lifelong, the premium is constant, and the sum insured of the death benefit will compound year by year with the increase of the number of years.

In other words, on the premise of satisfying the basic protection, the appreciation of the sum insured can resist inflation to a certain extent.

2.Asset security.

All the insurance benefits of increased whole life insurance are written into the contract, which has the functions of security, value preservation and appreciation.

In addition, the China Insurance Regulatory Commission has strict supervision over life insurance companies, and does not allow relevant insurance companies to go bankrupt and bankrupt, and if they are revoked or bankrupt in accordance with the law, they will also be designated by the China Insurance Regulatory Commission to receive and transfer other insurance companies.

3.Flexible access.

We all know that there is a cash value in a life insurance policy, and the sum assured of a whole life insurance policy will compound and increase, and the cash value will increase accordingly.

There are usually two ways to withdraw funds, the first is to withdraw funds freely by reducing the cash value of the insurance.

The second is through policy loans, some products can borrow up to 80% of the cash value of the policy, which is conducive to alleviating the financial burden.

Generally, life insurance premiums are high, and flexible access to funds can effectively cope with various situations in life, such as children's education, marriage, pension, etc.

Disadvantages of Incremental Whole Life Insurance:

Guaranteed low leverage:

Increasing whole life insurance is different from traditional life insurance, which can receive a pension for life as a pension, and can perfectly achieve risk hedging and asset inheritance when you die at an older age.

The increased whole life insurance as a pension cannot be received for life, and the cash value is limited, and there is no way to receive it after receiving it.

In general, the protection function of increased whole life insurance in the early stage is relatively weak, and the main role is to increase the compound interest of the sum insured.

Summary. The top three increase life insurance: 1. Taiping Sui Yuqing Whole Life Insurance Taiping Sui Yuqing Whole Life Insurance foresees a lifetime of happiness with one policy!

Continuation of the highest compound interest rate. Taiping Sui has Yuqing whole life insurance in the country's first double insured liability, one point of investment, two people protection! 2. Jinduoduo increased whole life insurance This is also a product of Hongkang Life, which also supports people aged 0-75 to apply for insurance, and the minimum investment threshold is 5,000 yuan.

The sum assured increases annually at an interest rate. If a 30-year-old male xing insures the product, pay 100,000 yuan per year, pay it for 3 consecutive years, and invest a total of 300,000 yuan, 3, increase more than 3 (Taishan version) This is Hetai Life's increased whole life insurance, the product supports 0-70 years old people to insure, the single premium is 5000 yuan, the annual premium is 1000 yuan, the starting threshold is relatively low, and the insured amount increases at an annual interest rate. If a 30-year-old male xing increases the number 3 (Taishan version), the annual premium is 60,000 yuan, and the cumulative investment is 300,000 yuan for 5 consecutive years.

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Increasing Whole Life InsuranceTaiping Years has Yuqing Dry Slag Whole Life Insurance is the best, Taiping Years has Yuqing Whole Life Insurance with a policy to foresee a lifetime of happiness! Continuation of the highest compound interest rate. Taiping years old did not quietly celebrate the whole life insurance in the country's first double insured responsibility, one annihilation to change the investment, two people protection!

The top three increase life insurance: 1. Taiping Sui Yuqing Whole Life Insurance Taiping Sui Yuqing Whole Life Insurance foresees a lifetime of happiness with one policy! Continuation of the highest compound interest rate.

Taiping Sui has Yuqing whole life insurance in the country's first double insured liability, one point of investment, two people protection! 2. Jinduoduo increased whole life insurance This is also a product of Hongkang Life, which also supports people aged 0-75 to apply for insurance, and the minimum investment threshold is 5,000 yuan. The sum assured increases annually at an interest rate.

If a 30-year-old male xing insures the product, he will pay 100,000 yuan per year, pay for 3 consecutive years, and invest a total of 300,000 yuan, 3, increase more than 3 (Taishan version of the hand) This is Hetai Life's increased whole life insurance, the product supports 0-70 weeks to take the model age group to insure, the single premium starts from 5,000 yuan, the annual premium starts from 1,000 yuan, the minimum investment threshold is relatively low, and the amount insured increases at an annual interest rate. If a 30-year-old male xing is insured more than No. 3 (Taishan version), the annual premium is 60,000 yuan, and the cumulative investment is 300,000 yuan for 5 consecutive years

Hongkang Life Insurance. Founded on July 19, 2012, Hongkang Life Insurance Co., Ltd. is a national life insurance company approved by the former China Insurance Regulatory Commission, with a registered capital of 1 billion yuan, Hongkang Life Insurance Co., Ltd. was established in the first full year of operation to achieve profitability and continue to this day, as of the end of 2021, the total assets exceeded 76 billion yuan, serving more than 7 million customers.

Strengths of Hongkang Life:

1. You can apply for insurance from generation to generation.

Usually, the insurance can only be purchased by parents for their children, but Jinduoduo Incremental Whole Life Insurance also supports the intergenerational insurance of Chang Duochang, and the beneficiaries can be grandchildren.

2. Abundant policy rights.

Support the functional attributes of policy reduction, reduction payment, policy loan, and additional insurance. Resistant to pickpocketing.

3. The return speed is fast.

A 30-year-old man buys 100,000 yuan for 1 year and pays it for 5 years, and the return time is very fast, and he returns the capital in the 5th year, that is, 10,000.

4. The IRR value is high.

At the age of 60, the cash value will exceed 1.3 million, and by the age of 80, the cash value will be as high as 2.6 million, and the IRR value will be close to 1% at the age of 80. <>

When it comes to increasing whole life insurance, which is better? In fact, there is no special fixed answer, because everyone's needs are different, and the corresponding increased whole life insurance is also different, and only the product that suits you is the best.

If there are still friends who don't know much about the content of increased whole life insurance, you can take a look at this article first:What is the sacredness of [increased whole life insurance] that can manage money and protect it? Is it worth starting?

However, there are so many increased whole life insurance products in the market, what should we pay attention to when choosing?

First of all, we should pay attention to the allocation of the sum insured premium.

I believe that many small partners often ignore a problem while pursuing high returns, that is, the higher the amount of insurance purchased, the more premiums need to be paid each year, which may cause economic pressure on consumers to a certain extent, so when choosing the amount of insurance, you must choose according to your actual economic situation.

The second is to pay attention to the guaranteed content of the selected product.

Although the highlight of increased whole life insurance is "increase", aside from "increase", it is still a life insurance product itself, and it is also necessary to pay attention to the corresponding life insurance protection. Generally speaking, an excellent life insurance product includes death and total disability protection, so you should look carefully when choosing.

However, as I said at the beginning, everyone's needs are not slow, and the increased whole life insurance required is also different, so it is recommended that when you choose an increased whole life insurance product, you must understand your needs clearly, and then purchase it in a targeted manner.

In order to make it easier for you to find an increased whole life insurance product that suits you, Xiazao which key face has sorted out a few cost-effective ones for you, remember to take a look:Freshly baked! Don't miss out on the top 5 high-yield incremental whole life insurance! Hope!