Am I suitable to invest in Ping An s Life Outsmart Life Universal Insurance?

As follows: 26 years old, in fact, the range and width of the choice.

As for how to choose, which ones to choose, it depends on the life plan, after all, insurance planning is based on the family unit. It's a part of life.

Ping An Magnum's product itself is nothing worth discussing, but how to plan it is a problem.

At the same time, it is recommended to consider it as a family unit.

I give you some of the big principles for your reference.

As a practitioner, from a professional point of view, I believe that insurance is not a luxury, but a necessity for the family.

Therefore, the protection planning between family members is the greatest responsibility for the family, and the planning of a single member is of little significance, and the commercial insurance planning, in fact, is based on the family as a unit.

1.Clarify the needs to see what the existing security between family members is, and on this basis, it is necessary to clarify what the most fundamental needs of each member are. I personally suggest that commercial insurance should be planned on the basis of social security, and the two complement each other and are more effective and reasonable.

2.Determining the amount of premium expenditure is theoretically 10%-15% of the annual household income, but in reality, it needs to be analyzed on a case-by-case basis.

3.Determining the amount of insurance is theoretically 6-10 times the annual income of the family, but in reality, there are many factors to consider, such as the specific situation of each family.

4.Determining the order of insurance, basically, is to give priority to adults before children, to protect the middle forces first, and to consider the elderly and children.

5.The distribution of premiums for family members should be the first to insure the main economic **, and the premium expenditure should also be tilted towards him.

6.At present, the mainstream types of insurance: participating insurance, universal insurance, investment-linked insurance, conservatively speaking, it is recommended that customers pay attention to the first two.

7.At present, there are many life insurance companies in the market, and it is recommended that customers pay attention to the first echelon of the industry.

8.To apply for insurance, we must base ourselves on protection and talk about other things, otherwise putting the cart before the horse is equivalent to wasting money. The main focus is on big risks, such as accidents and critical illnesses!

9.Don't pursue one-step planning, plan step by step, plan in order, and plan effectively.

10.There is little difference in the products of each company, and it is of little significance to simply compare products.

11.Suggestion, seek help from local ** people, it's realistic. You can only apply locally, and you can't go to other places to sign for insurance.

Extensive communication with some professionals, asking for help, and choosing a suitable person as the long-term service personnel of the policy is the most important factor to reflect the value of the policy.

Ping An Life once had a product called Outsmart Life Universal Insurance, which was a smash hit, saying that it could cover anything, and in recent days, many friends have asked me if it is worth buying this product now? There is no unified answer, if your requirements can be met by its protection content, then you can start this product, in the end the performance of outwitting life universal insurance is excellent?

The protection product structure diagram of Ping An Outsmart Life Universal Insurance is presented

The main insurance protection provided by Ping An Outsmart Life Universal Insurance is not very rich, but it has added a lot of additional insurance, so what are its shortcomings?

1. There is a limit on the age of application

The minimum age for this product is 18 years old, and the maximum is only 60 years old. Compared with other life insurance plans that can reach the upper age limit of 60 years old and have a wider coverage, Ping An Outsmart Life Universal Insurance is not so friendly.

If you're over 60 years old, there's a good option here:

Top 10 Life Insurance Rankings Worth Buying! 》

2. Poor coverage for additional critical illness

Ping An Outsmart Life Universal Insurance can be attached to the whole life critical illness insurance protection: only 30 critical illnesses are covered, the compensation is paid once, and the coverage amount is shared with the main insurance, and there is no corresponding protection for mild to moderate illnesses.

At present, most critical illness insurance on the market can cover more than 100 types of critical illnesses, and they have set up comprehensive protection for mild to moderate diseases. There are also new regulations for critical illness, the number of critical illnesses that must be included in critical illness insurance plus 3 types, and the minor illness protection regulations must have 3 types, which shows that the critical illness protection that can be attached to Ping An Outsmart Life Universal Insurance is really a bit weak.

"Top 10 Popular Critical Illness Insurance Points Worth Buying! 》

3. The guaranteed interest rate is low

The guaranteed interest rate of Ping An Zhisheng Life Universal Insurance is only, and the people who feel sorry for the people who bought this product, the guaranteed interest rate of today's profitable insurance products are all around, and the products with a guaranteed interest rate above 3% are not common in the market, but they still exist.

If you want to make a lot of money, you must know more about these high-yield insurance products:

How much money can I make by buying universal insurance? Don't be sold".

Finally, the senior sister wants to talk to everyone, choose a good insurance company, and the first thing to do before buying a suitable insurance is to understand the content of the insurance and various terms clearly.

Special universal insurance, although it has the title of anything can be insured, but it is generally not good in terms of protection content, so we must be very aware of the protection responsibility of insurance, by what way to pay, how much is the expected income in the future, etc., no matter how good the salesperson praises the product, to have their own ideas.

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Summary. Hello, I will come to you for this question. 1. Advantages: The biggest advantage of universal insurance is that it is flexible in payment and free to use.

It has set up a special universal account for its customers, and whether or not to invest more for the sake of profit depends entirely on the insurance. After the first premium is paid, the payment can be suspended. The account settlement is monthly compound interest plus accumulated interest, and the sum insured can be adjusted at will.

In case of financial difficulties, the funds in the universal account can be used at any time. 2. Disadvantages of insurance, initial cost deduction, deduction ratio is very large, the remaining money will go into the universal account, compound interest will be generated every month, deduct policy management fees and risk management fees, so surrender, the early loss is very large. The longer the investment period of universal insurance, the lower the expense deduction ratio.

Therefore, it is necessary to operate for a long time in order to obtain a certain profit. In addition, the age of the insured should not be too old, and the risk management fee is related to the age of the insured. The older the insured, the higher the risk and the more deductions will be made.

Ultimately, the value of the universal account may not be equal to the premium paid.

Ping An outwitted life universal insurance is good or not, and what are the advantages and disadvantages.

Hello, I will come to you for this question. 1. Advantages: The biggest advantage of universal insurance is that it is flexible in payment and free to use. It has set up a special universal account for its customers, and whether or not to invest more for the sake of profit depends entirely on the insurance.

After the first premium is paid, the payment can be suspended. The account settlement is monthly compound interest plus accumulated interest, and the sum insured can be adjusted at will. In case of financial difficulties, the funds in the universal account can be used at any time.

2. Disadvantages of insurance, initial cost deduction, deduction ratio is very large, the remaining money will go into the universal account, compound interest will be generated every month, deduct policy management fees and risk management fees, so surrender, the early loss is very large. The longer the investment period of universal insurance, the lower the expense deduction ratio. Therefore, it is necessary to operate for a long time in order to obtain a certain profit.

In addition, the age of the insured should not be too old, and the risk management fee is related to the age of the insured. The older the insured, the higher the risk and the more deductions will be made. Ultimately, the value of the universal account may not be equal to the premium paid.

Good is good, but it is still necessary to divide people, and it is best to buy insurance or buy the right one for yourself.