How about the Zhongyi Perpetual I Love B Whole Life Insurance

Hong Kong for life insurance is better.

Zhongyi Perpetual I Love B Whole Life Insurance supports people aged 7 days to 75 years old, compared to those products that only support 70 years old, its insurance age is very broad.

Zhongyi Life Insurance has also launched the Zhongyi Perpetual I Love Legacy Whole Life Insurance before, interested friends can take a look: Is the protection of Zhongyi Perpetual I Love Legacy Whole Life Insurance good? What about profitability?

In addition, Zhongyi Perpetual I Love B whole life insurance is guaranteed for life, and there are a variety of options for the payment period, which can be paid in a single payment or annually, of which the annual payment is 2 3 5 10 15 20 years, which can meet the payment needs of different groups of people.

However, there are 7 exemption clauses for Zhongyi Perpetual I Love B whole life insurance, which is quite large, after all, some whole life insurance companies on the market only have 3 exemption clauses. If you want to know more about the exclusion clause, you can move to this article: What is the exclusion clause of insurance and how to read it?

If you don't understand, you'll suffer a big loss!

In terms of protection content, Zhongyi Perpetual I Love B whole life insurance is relatively simple, only the death benefit, with the age of 18 and the expiration date of the payment period as the dividing line, and the corresponding compensation rules are divided.

In addition, Zhongyi Perpetual I Love B Whole Life Insurance also has the rights and interests of automatic premium payment, reduced payment, and policy loan, which are very practical for us when necessary, such as when we cannot afford the premium, we can use the right to pay off the reduced amount, and for example, when we need money urgently, we can use the right to use the policy loan.

However, on the whole, the performance of Zhongyi Perpetual I Love B whole life insurance is average, and it is recommended that you compare other products on the market before making a choice.

Hello dear, whether the whole life insurance can be taken out after five years still depends on the contract. Most whole life insurance policies in the market are not available in the middle of the process, and will only increase the sum insured year by year. In addition, there are some whole life insurance policies that can receive the cash value in the middle of the process, but after receiving the cash value. The sum insured will also decrease, such as this type of whole life insurance, and the cash value can reach the same as the sum insured at a later stage.

In addition, if the whole life insurance is taken out after five years, the cash value can only be received by surrendering the policy. However, if it is only five years, the cash value may not be so high, and the Spring Banquet is even lower than the premium paid.

Insurance is all about the occurrence of contractual matters.

Claim the corresponding insurance benefits.

If it doesn't happen, there is no money except for surrender, and surrender is also in the agreement.

In short, look at the terms of the contract.

Today's insurance is basically a return type, but some of the terms are too long, and it may be too pitiful for the principal to be returned at that time.

Summary. Hello, dear, yes, I love the whole life insurance premium version can be taken out after 3 years, the way to receive: through the reduction or surrender of the policy to receive the cash value of the policy.

Hello blind return, dear, yes, I love the whole life insurance premium version can be taken out after 3 years, the way to receive: through the reduction or surrender of the policy to receive the value of the policy's cash hidden grinding.

Zhongyi Perpetual I Love Whole Life Insurance Premium Edition is an increased whole life insurance, the insurance period is lifelong, the basic insurance amount increases annually with compound interest, the only protection liability provided by the insurance company is the death of the insured, the insurance company pays the death insurance benefit, the death insurance benefit is the proportion of the premium cash value of the insured amount, and the three are paid out later. The proportion of the death benefit paid is based on the age of the insured person and the premium paid: the death benefit under the age of 18 is fully refundable.

18 to 40 years old is the double premium, 41 60 years old is the double premium, and over 61 years old is the double premium. In addition, the basic insurance amount is calculated and written into the contract with compound interest every year. At the same time, incremental whole life insurance is a savings insurance and has a cash value.

The cash value has two functions, the first is that the cash value can be used for a policy loan, and the maximum amount is 80% of the cash value. The second is that you can use the cash value to receive money, and the policyholder can receive the cash value corresponding to the insured amount by reducing the amount of insurance or surrendering the policy in full. (During the premium payment period, the cash value of the policy will be lower than the premium, so the staff will generally recommend that you receive the benefits after the end of the premium payment period.)

At the end of the premium payment period, the cash value of the policy will be greater than the premium, and there will be no loss of principal. The most important feature of this insurance is safety and certainty. The cash value of the policy at the end of each policy year will be indicated on the cash value table, so that the policyholder can clearly understand how much the policy has every year.

And it has specific legal attributes that can avoid the risk of marriage or debts being divided. (At the same time, the disadvantage of this product is that the short-term funds are not flexible, not suitable for short-term investment within 15 years, if there is a need for funds within 15 years, it is recommended to use bank deposits or other investment methods, the return will be higher).