Who is Ping An Outsmart Life Universal Insurance suitable for?

Universal insurance is characterized by a guaranteed interest rate, no upper limit, monthly settlement interest rate, monthly settlement, compound interest growth, which can effectively resist the impact of bank interest rate fluctuations and inflation. The account is more transparent, the access is relatively flexible, the additional investment is convenient, and the protection can be increased or decreased according to different ages. Universal insurance provides the flexibility to respond to changes in income and financial goals.

Therefore, Ping An Outsmart Life Universal Insurance is suitable for most people to buy. Suitable for young people to buy young people can now design a little more protection, and then because with the increase of age, the risk protection of universal insurance will be higher and higher, then you will have to slowly reduce the protection as you age. Generally, you should design the coverage at 3 to 5 times your annual income, and the same critical illness benefit should be designed at 3 to 5 times your annual income.

Outsmart Life Universal Insurance also meets this need of young people. Suitable for the elderly to purchase Among the customers who have applied for Smart Life, most customers choose Smart Life Critical Illness Package because it has a very strong protection function. With the Superior Life Critical Illness Advance Benefit Insurance, you only need to deduct the corresponding critical illness protection cost from the policy account value to get lifetime protection, and the benefit amount can be adjusted to meet the requirements of most customers for critical illness protection.

In addition to critical illness insurance, Smart Life can also add accidental injury and accidental injury medical insurance, which can also deduct the cost of protection from the policy account value to provide customers with more comprehensive protection. It is suitable for low- and middle-income people to purchase Smart Life with flexible payment, allowing customers to decide the amount and time of investment according to their own financial situation. If you have some idle funds, you can also add premiums to enjoy the steady investment income of Ping An's professional investment team; If you are facing cash flow pressure for a while, you can defer the premium payment and make up the premium when the funds are available, so that the protection enjoyed by the customer remains unchanged on the premise that the policy account value is sufficient to cover the cost of protection.

According to the characteristics of the universal insurance of outwitting life, it can be seen that it is suitable for a wide range of people, but there is no best insurance, only the most suitable. Good insurance has nothing to do with the amount of premiums, has nothing to do with the level of income, has nothing to do with the cost of protection, and good insurance is only related to our needs. Insurance is about transferring the maximum risk at the least cost, which is usually expressed as economic risk.

Buying insurance will not eliminate the risk, but it can minimize the losses caused by the risk. Risks exist everywhere in life, so it is very important and necessary to do a good job of comprehensive protection and reduce the risk that may bring losses.

Xueba talks about insurance, focusing on insurance evaluation! Buy universal insurance, this ranking list you must collect:"Top 10 Popular Universal Insurance Rankings Worth Buying! 》

Whether it's suitable or not depends on your individual situation. If you don't know much about universal insurance, then it is recommended that you first understand what universal insurance is.

Universal insurance is a type of insurance that integrates investment income, death protection, and critical illness protection, with multiple protections under one policy. This kind of insurance is the most recommended insurance by insurance companies, saying that universal insurance can cover anything. Even peace is no exception.

In recent years, Ping An has launched many well-known universal insurances, such as Smart Star, Smart Star, Smart Life, Smart Win Life, etc., and the insurance content looks good. But is that really the case?

Because there are many products of Ping An, I will not analyze them one by one here, but analyze the "outwitted life" that they bought better.

Let's take a look at its financial management features first.

The main insurance of this insurance is universal whole life insurance, which is to configure a universal account for you, but before the compound interest increases, the initial fees and protection costs must be deducted, and the specific increase is uncertain, but the bottom is guaranteed. What is the concept, the interest rate of Yu Bao is about now.

How much money will be deducted from the initial fee and security cost, and how it will be deducted, this is a little complicated, if you are interested, you can take a look at the original article of my evaluation:"Why do so many people regret buying Ping's [Outwitting Life]? 》

Let's talk about its safeguard function.

For example, if you have chronic kidney dysfunction, the insurance company will not pay a penny, and will not pay you until it becomes end-stage renal disease. All critical illness insurance policies on the market will include protection for minor illnesses, and some will even add protection for special diseases. Take a look at these critical illness insurance coverages:

"Super Complete! A big comparison of 136 popular critical illness insurances in China

The difference with it is not ordinary.

The water of universal insurance is very deep, I don't recommend everyone to buy universal insurance, it is not really universal. It is recommended that you honestly buy critical illness insurance, life insurance, etc., which are specifically designed for a kind of insurance that protects the reverse.

That's all I have for this issue, I hope it will be useful to you. Hope!

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.