Is Ping An Wisdom Star of China good, what is Ping An Wisdom Star protect

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.

If you have enough money, it is recommended that you choose a guardian

The content of Ping An Wisdom Star is as follows:

1.Death Benefit: 100% of the sum assured and the policy account value will be paid;

2.Critical illness insurance can be attached, 30 kinds of serious illnesses can be insured, the insurance amount is 80,000 yuan, and the insurance amount is shared with the death insurance;

3.Medical insurance can be added, with a maximum sum insured of 20,000 yuan and a deductible of 100, which can reimburse the insured for the reasonable and necessary medical expenses due to the accident.

Ping An Wisdom Star is only available for people aged 0-17 years old, and can be insured for life, which is a universal insurance, which can increase interest through compound interest on the policy account value, and the interest rate of Bao Cong Mountain Barrier is.

The client, Mr. Wang, 30 years old, is ready to apply for the Wisdom Star Assurance Plan for his newborn son Xiao Ming, with the main insurance Wisdom Star, and the additional Wisdom Star Critical Illness, Worry-Free Waiver B, and Worry-Free Waiver C

The annual premium is 5,000 yuan, and the premium is paid continuously for 15 years, with a cumulative payment of 10,000 yuan, and the insurance period of worry-free exemption B and C is 15 years.

At the time of application, the basic insurance amount of the main insurance is 100,000 yuan, and the basic insurance amount of critical illness is 80,000 yuan; It is planned to reduce the basic insurance amount of the main insurance and supplementary critical illness to 10,000 yuan when Xiao Ming is 60 years old.

It is planned to receive 4,000 yuan a year as a high school education fund when Xiao Ming is young.

It is planned to receive 12,000 yuan a year as a university education allowance when Xiao Ming is young.

So what are the combined benefits that Xiao Ming can enjoy?

Benefit. 1. One insurance policy, comprehensive protection.

When Xiao Ming is 18 years old, the basic sum assured of Wisdom Star main insurance will be increased to 200,000, and the basic sum assured of additional critical illness insurance will be increased to 180,000 to enhance protection.

When Xiao Ming is 60 years old, the basic sum insured of Wisdom Star Main Insurance and Additional Critical Illness Insurance will be reduced to 10,000 yuan to fully enjoy the investment appreciation.

If you choose to worry about accidents, you can get at least 50,000 accident insurance benefits and accidental injury medical insurance benefits if you become disabled or die due to accidents.

During the premium payment period, if you suffer from a critical illness, the premium will be waived for subsequent instalments without affecting the benefits.

Benefit 2: An investment, steady appreciation.

The guaranteed annual interest rate of Wisdom Star is, but through the operation of Ping An's professional wealth management team, customers may be able to obtain higher returns.

The initial cost is low, only 5 for more than 5000 yuan

Benefit 3: Exemption from size is more humane.

In the event of the death of the policyholder, or the occurrence of a disability or critical illness agreed in the contract, or the occurrence of a critical illness agreed in the contract, the remaining premiums of each period during the agreed period will be paid by the insurance company, so as to ensure that the plan will be realized and the promise of love will never change.

Benefit 4: Education for the elderly, peace of mind.

You can receive 4,000 yuan per year as a high school education fund.

You can receive 12,000 yuan per year as a university education fund.

If you don't receive it, by the time you reach the age of 60, your policy value has accumulated to more than 400,000 yuan (at a medium settlement rate), which can be used as a retirement pension.

Benefit 5: Partial collection kills multiple birds with one stone.

Wisdom Star reserves special funds for education, entrepreneurship, marriage and so on. The value of the account can be received at any time, free and convenient, making his fund operation more flexible 4,000 yuan per year as a high school education fund 12,000 yuan a year as a university education fund, a total of 60,000 yuan as an education fund.

In other important stages of his life, Xiao Ming can receive it at any time to meet his emergency needs.

Benefit 6: Flexible payment and stress relief.

If a customer is unable to pay the premium on time, he can apply for a deferral of premium payment, which can usually be deferred for 2 years, which greatly reduces the pressure on customers to pay the premium. If customers have funds, they can also add premiums, and the additional premiums also enjoy universal settlement interest rates, with monthly compound interest and no upper limit.

Ping An (Shenzhen) Insurance Marketing Staff: Tu Guobao.

Xueba talks about insurance, focusing on insurance evaluation! A new comparison table on children's insurance has come out, which includes products from major companies such as Ping An and Chinese Life:"Super Complete! Comparison Table of 136 Popular Children's Critical Illness Insurance in China".

Wisdom Star is a children's insurance company under Ping An, which is an insurance specifically for children.

Let's start with a brief explanation of what universal insurance is. It is a kind of financial management + protection insurance, and the main insurance is generally financial management.

In the ** population, this kind of protection covers everything, which can not only provide support such as education funds, wedding funds, pensions, etc., but also provide universal insurance for critical illness, death, accidents, etc. It should be noted that universal insurance is not as versatile as you think, you just look at this deeply picked wisdom star:"Do the math, where did all your money go in Ping An [Wisdom Star]?

We don't blow it or black, but evaluate it objectively:

Let's take a look at how Wisdom Star is in terms of financial management.

It accrues interest on the money that the customer deposits each year into the policy account. At present, most of the products on the market are in this way, and customers can get a part of the amount every year, which is quite good.

However, it deducts a portion of your fees every time you deposit money. The first five years are %, respectively, and from the 6th year, 5% is deducted each year.

At the same time, although the interest it provides is not capped and there is a guarantee, there is no more definite value, and the guaranteed interest is also low.

Let's talk about his guarantees.

The basic benefit of the death benefit is 100,000 yuan plus the policy account value, as for the policy account value, it still depends on your insurance contract. The most important critical illness benefit for health protection is only 80,000 yuan insured, and what is even more incredible is that the sum insured of critical illness insurance and the sum insured of death are the same, which means that after you make a claim for critical illness, the basic sum insured of the main insurance is only the remaining 20,000 yuan.