Isn t the accident of Ping An Fu Whole Life Insurance linked to the main insurance?

Ping An Fu is a combination of products, which is characterized by the organic combination of life insurance, critical illness insurance, and long-term accident insurance to achieve the purpose of maximum coverage.

Consult your own ** person in detail, apply for insurance according to your needs, and plan reasonably.

1.Age is the primary consideration.

2.The expenditure of family premiums should be 10%-15% of the annual family income, and the sum insured should be set at 6-10 times the annual income. However, it should be analyzed on a case-by-case basis.

5.Under the premise of social security, plan commercial insurance, with a focus on accidents and critical illnesses. Social security and commercial medical insurance, can not be reimbursed repeatedly, remember.

6.At the same time, pay attention to the security of family members, protect the people around them as much as possible, and achieve comprehensive family protection, otherwise the protection is unbalanced, and the meaning of protection will be missing.

7.It is important to prioritize the protection of the main income earners of the family as much as possible.

8.Recommended: Ping An Talisman Participating Insurance, Ping An Universal Insurance, Ping An Fu Whole Life Insurance.

9.My personal advice is to communicate extensively and effectively with ** people, after all, face-to-face communication is the most direct and effective. If necessary, you can also directly call the customer service of the relevant insurance company** for verification and consultation.

You can not hook it up, and you don't buy it.

Ping An Fu Whole Life is a protection life insurance product that provides death protection, and the policyholder can also add critical illness insurance, accidental injury insurance, accident medical insurance, premium waiver insurance, etc., so that the insured can enjoy more comprehensive protection.

It is understood that the insurance age of Ping An Fu whole life insurance is between 18 and 65 years old, the hesitation period is 10 days, the insurance period is lifelong, the insured can apply for compensation for death, and the insurance beneficiary can get the death insurance benefit.

Hello dear is happy to answer for you, Ping An Fu's long-term accident insurance covers 1. Accidental disability insurance: according to the disability level according to the corresponding proportion, if two or more disability occurs, according to the highest level of compensation; 2. Accidental death insurance: 100% of the sum insured will be paid, and if there is a disability benefit, the compensation must be deducted; 3. Special insurance benefits for accidental disability or death of self-driving cars

Pay 2 times the sum insured; 4. Special insurance for accidental disability or death of public transportation: 2 times of the sum insured.

Ping An Fu is a critical illness insurance product launched by Ping An Life, which has been updated to version 20, and the previous version has basically been discontinued, but we can still compare the changes in the 18-20 versions:

The new version of Ping An Fu 20 is here! This deficiency has not changed.

Ping An Fu Whole Life InsuranceCons:

1. The premium is more expensive.

2. Death liability and critical illness liability share the sum insured.

3. The policyholder must continue to pay the premium for at least 20 years, and it is best not to surrender the policy halfway, otherwise it will not only fail to achieve the expected protection effect, but also lose a lot of premiums, so that the consumer gains outweighs the losses.

In general, whether it is Ping An Fu 2018 or Ping An Fu 2020, it is not recommended to buy, lack of moderate illness protection, 20% of the mild illness compensation, in the current critical illness insurance market has been very backward, and the premium is expensive, cost-effective, for ordinary working families, the protection of comprehensive and affordable critical illness insurance may be more suitable:

A comparison table of 136 popular critical illness insurances in China

Ten [not recommended] Ping An insurance products** points!

Hello! Ping An Fu is a protection-type insurance, with relatively complete protection, including life insurance, accidents, and critical illnesses, as for whether the additional insurance (hospitalization and accident medical treatment) is attached, it depends on your policy.

Whether it is suitable for you depends on the social security you have and whether the company buys group insurance for you, and you need to determine according to your actual situation.

Insurance and banks are different, you can't compare insurance with deposits, banks are where you keep most of your money in the bank in exchange for a little interest; Insurance, especially protection insurance, uses a small premium in exchange for a higher sum insured in the event of a risk (accident or illness).

After 20 years, you don't have to pay this policy, but the protection is lifelong and can continue to protect you; But if you want to surrender the policy, the 20 years will definitely not get back the principal, surrender is the cash value of the surrender policy, you can see on the policy there is a cash value table, there is a corresponding number of years of cash value, you can see how many years to surrender the policy to get back the principal. However, it is recommended not to consider surrendering the insurance policy if you buy a protection type of insurance, because the cash value is very low, and buying it is also an extra protection for future uncertainties.

If the hesitation period is over, the surrender loss will be very large, so be cautious.

Hope it helps!

You have a strong sense of insurance, and there will be a loss when you surrender the policy.

You should be able to return the principal after 30 years, right?

Hello, what do you want? Reply for details.