What kind of insurance does Outsmart Life belong to, and what does Outsmart Life Insurance cover

Xueba talks about insurance, focusing on insurance evaluation! Before purchasing the universal insurance of Outsmart Life, first a cost-effective universal insurance product table:"Top 10 Popular Universal Insurance Rankings Worth Buying! 》

Outsmart Life is a universal insurance, which is a product of Ping An. Although this insurance has been discontinued, there are still many voices on the Internet. Let's talk about this product.

The product form of Outsmart Life is universal life insurance + additional critical illness insurance, one-year accidental medical treatment, accidental injury insurance, and healthy life hospitalization medical treatment. It seems that the coverage is quite thoughtful, whether it is really so good, you can understand it when you look down.

Let's start with the main coverage of this insurance. The main feature is that you are configured with a universal account, you can get the corresponding interest, Ping An is advertised that there is no limit to the bottom of the guaranteed interest, but the specific amount, not sure, but the guarantee. What is the concept, the interest rate of Yu Bao is about now.

And not all the premiums you pay can be compounded and increased, which must deduct the initial fee and protection cost, and the next one can be calculated as interest.

If you want to know how to deduct this fee, this will be a lot of words to explain, you can take a look at my original evaluation, which explains this:"Why do so many people regret buying Ping's [Outwitting Life]? 》

Although its critical illness insurance covers most of the critical illnesses, compared with the products on the market, the protection of this one is still relatively weak, and it is only paid once, and there is no mild illness protection. The focus is on prepaid critical illness insurance. After a critical illness claim is made, the corresponding sum insured will be deducted from your total sum insured.

If you have a whole life insurance policy with a total sum assured of $200,000, and you receive a claim of $100,000 after a critical illness, the sum insured of the life insurance is only $100,000.

The most amazing thing about this is that in accident insurance, only accidents that occur when you are on passenger public transport are counted as covered traffic accidents. If you have an accident in a private car, sorry, this is not payable. There is a picture to prove it: (see the picture below).

Explain this, you also know that the insurance strength of this product is very weak, and friends who have already purchased it, it is recommended that you buy more critical illness insurance and million medical insurance as supplements, because the protection of this universal insurance is very limited. This is some consumer-based critical illness insurance products, ** and protection are good, if you are interested, you can take a look:"Great value!

Cost-effective critical illness insurance products".

That's all I have for this issue, I hope it helps. Hope!

Enjoy life belongs to the company's hospitalization type of additional insurance, it is sold according to the number of shares, each has a limit, the more copies, the higher the limit, in addition to the insurance belongs to the age of the automatic adjustment of the charges, the older the age, the greater the risk borne by the company, the more premiums. If you want to remove it, you need to notify in advance, do the termination of the rider or surrender the rider separately.

For supplementary questions, you need to call the 24-hour customer service 95511 for consultation, and you can directly press the 1-9-9 button to directly transfer to the manual service. The answer you want can be found there.

Summary. Outsmart Life is a whole life insurance (universal type) launched by Ping An Insurance, the main insurance of this type of insurance is universal insurance, providing death protection, the guaranteed interest rate of universal account is, and the actual settlement interest rate is subject to the official website of the insurance company.

In addition, Superior Life can also be added with Advance Critical Illness Insurance, Worry-Free Accident Insurance, Worry-free Accident Injury Medical Insurance, and Worry-free Waiver of Insurance Premium Critical Illness Insurance BC.

Outsmart what life insurance covers.

Outsmart Life is a life-destroying life insurance (universal type) launched by Ping An Insurance, the main insurance of this type of insurance is universal insurance, providing death protection, the guaranteed interest rate of the universal account is, and the actual settlement interest rate is subject to the official website of the insurance company. In addition, Superior Life can also be added with Superior Life Advance Payment Critical Illness Insurance, Worry-free Accidental Injury Insurance, Worry-free Accidental Injury Medical Insurance, and Worry-free Waiver of Insurance Premium Critical Illness Insurance BC.

In women there are 30 types: malignant tumors; acute myocardial infarction; sequelae of stroke; Major organ transplantation or hematopoietic stem cell transplantation; coronary artery bypass grafting; end-stage renal disease; multiple limb missing; acute or subacute severe hepatitis; benign brain tumors; decompensated chronic liver failure; sequelae of encephalitis or sequelae of meningeal hydrogenics; deep coma; deafness in both ears; blindness in both eyes; Paralysis; heart valve surgery; severe Alzheimer's disease; severe brain injury; severe Parkinson's disease; severe burns; severe primary pulmonary hypertension; severe motor neuron disease; loss of language ability; severe aplastic anemia; aortic surgery; severe multiple sclerosis; Severe type I diabetes; erosive molar pregnancy; Ignition lupus erythematosus complicated by severe renal impairment; Severe primary cardiomyopathy. Males are 28 species:

Malignancy; acute myocardial infarction; sequelae of stroke; Major organ transplantation or hematopoietic stem cell transplantation; coronary artery bypass grafting; end-stage renal disease; multiple limb missing; acute or subacute severe hepatitis; benign brain tumors; decompensated chronic liver failure; sequelae of encephalitis or sequelae of meningeal hydrogenics; deep coma; deafness in both ears; blindness in both eyes; Paralysis; Heart valve hand.

It is a universal insurance.

1. Death benefit: the greater of 105% of the policy account value and 150,000 yuan;

2. Critical illness insurance benefit: the greater of 105% of the policy account value and 100,000 yuan;

3. Accident insurance (before the age of 65);

4. Exemption: In the event of death, critical illness and disability as agreed in the contract of the policyholder of the main insurance, or the occurrence of the critical illness agreed in the contract by the insured, the insurance premium for the remaining periods during the insurance period of the exemption insurance shall be exempted;

Outsmart Life Insurance is:

Death Protection: The payment of death insurance benefits includes the value of the insurance policy account at that time.

Supplementary Critical Illness Benefit: 30 types of critical illness insurance.

Additional Accident Benefits: Accident Disability Compensation Insured Amount, Traffic Accident Disability Compensation Insurance Amount.

Additional Accidental Medical Treatment: Accidental medical treatment before 65 years is reimbursed by the sum insured.

Outsmart Life is a universal insurance, the main insurance is life insurance, which can increase critical illness, accident and medical protection, as the third generation of general, pay at least 10 years of jujube limbs, otherwise the insurance amount will be reduced, there is a continuous payment incentive, which can increase the premium and the insured amount.

It is a universal insurance.

1. Death benefit: the greater of 105% of the policy account value and 150,000 yuan;

2. Critical illness insurance benefit: the greater of 105% of the policy account value and 100,000 yuan;

3. Accident insurance (before the age of 65);

4. Exemption: In the event of death, critical illness and disability as agreed in the contract of the policyholder of the main insurance, or the occurrence of the critical illness agreed in the contract by the insured, the insurance premium for the remaining periods during the insurance period of the exemption insurance shall be exempted;

5. Triple reward: If the premium is paid on time in the first 4 years, when the insurance premium is paid in the first 5 years and the first 10 years, we will allocate an additional 1% of the accumulated insurance premium at that time into the policy account; When the premiums paid for the previous 20 years are completed, the additional distribution of the accumulated premiums will be credited to the policy account.

6. Flexible collection: After the cooling-off period, you can partially claim the policy account value at any time as needed, without any charge.

Hello, it means that the sum insured of the main insurance is 60,000, and the main insurance of this insurance is life insurance. As an insurance product that can not only protect health but also take into account financial management, the key to universal insurance is the flexibility of insurance, for example, the payment can be deferred after a few years of insurance, and the protection is still effective. This method is more scientific, after all, sometimes it is common for funds to be ineffective.

As for how about Zhisheng Life Insurance, we still have to take Zhisheng Life Insurance as an example: Shuzi This product can be delayed after 10 years of payment, the protection is still effective, and there is a partial collection function, in case of financial constraints, you can partially receive the account value for emergency relief, and also increase the amount of insurance in the future by increasing the amount of insurance. Have a great day.

Summary. Outsmart Life focuses on the income of insurance, although there will be a certain amount of life insurance, but the amount insured is not very high. However, some basic protections are still available, such as accident compensation, illness medical treatment, hospitalization medical treatment, etc., which are all equipped, but the sum insured is relatively small.

Ping An Insurance of China outwits life and is what kind of insurance.

Hello, Ping An Insurance of China outwits life, an insurance that focuses on financial management. It is the opposite of the peace and blessings of peace. One is financial insurance, and the other is protection.

Outsmart Life focuses on the income of insurance, although there will be a certain amount of life insurance, but the amount insured is not very high. However, some basic protections are still available, such as accident compensation, illness medical treatment, hospitalization medical treatment, etc., which are all equipped, but the sum insured is relatively small.

There is no good or bad insurance, as long as you have insurance, then there is an extra layer of protection, it is not recommended that you surrender the insurance.

Ping An's Wisdom Life Whole Life Insurance is essentially universal insurance because it enjoys interest rates while protecting and the account value can be claimed at any time. Many people don't understand this product very well, and they feel a little lost after buying it. See here for a detailed review

Let me figure out how Ping An [Outwitted Life] withheld your money!

Here's a brief look at the basic forms of outwitting life:

The main insurance of Outsmart Life only covers death, pays 105% of the policy value or the basic sum assured, and also adds critical illness, accidental disability and accidental medical treatment, which seems to cover a wide range, but only covers 30 types of critical illnesses, and shares the sum insured with death, and after the critical illness claim, the death sum assured is also less.

The guaranteed interest rate of Outsmart Life is an annual interest rate, which is lower than the popular universal insurance in the market. The protection can't keep up, and the benefits are uncertain, so it's not recommended to buy Outsmart Life. The more worthwhile universal insurance is here:

Top 10 [Worth Buying] Universal Insurance Points!

Universal insurance is often boasted by salesmen as if it is a god-like existence, which can not only provide education funds, wedding funds, pensions and other support, but also provide protection for critical illness, death, accidents, etc., making money and guaranteeing both, but is there such a beautiful thing in the world? Click on the link to recognize the true face of universal insurance:How much money can I make by buying universal insurance?

It is a universal insurance type launched by Ping An after Zhiying Life, with a minimum payment of 10 years and a relatively comprehensive mass insurance type covering critical illness.

It is recommended not to buy universal insurance, after all, there is a specialization in the art industry, and health and financial management should be bought separately or combined.

There are several functions of Ping An Outwitting Life.

Wisdom is in the present, victory in the future.