Is Wisdom Star Insurance good?A detailed introduction to Wisdom Star Insurance

Ping An Wisdom Star is a universal children's insurance specially developed for children's customers, with both education planning and industry-leading double exemption protection, which can be insured from 0 to 17 years old. Among children's insurance products, "Ping An Wisdom Star" is a widely recognized children's insurance product and one of the preferred products for parents to purchase insurance for their children.

Ping An Smart Star Insurance Plan is a children's insurance that can take into account education and protection, and at the same time has double exemptions, which is very comprehensive as a children's insurance. However, since the risk insurance amount of the child's life insurance is limited to 100,000, the maximum critical illness insurance amount of Wisdom Star cannot exceed the main insurance, so it can only buy a critical illness of 100,000 at most.

The insurance liability of Ping An Wisdom Star Whole Life Insurance (Universal Type) is mainly the death of the insured, and we pay the "death insurance benefit" according to the insured amount at the time of death, and the main insurance contract is terminated. The death benefit paid includes the account value of the policy at the time of death. Additional features are premium top-up, premium payment deferred, and partial collection.

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Equal emphasis is placed on education guarantees.

At the same time, in order to allow children to obtain a sustainable and good education, we must also deal with the risks in life.

Coverage is flexible and adjustable.

A child's future is a beautiful picture, and in a child's long life, insurance protection needs to be adjusted according to the risks of the child's different life stages. Children's insurance with adjustable and flexible coverage can meet the individualized life needs of children.

Premiums can be waived.

The love for children is unshakable and cannot be broken. If the policyholder or the insured person has a personal risk, it will have a significant impact on the family's finances and may result in the child's insurance plan not being completed. However, if the product is attached with a premium waiver, regardless of the death of the policyholder, the occurrence of total disability or critical illness agreed in the contract after the waiting period, or the occurrence of the critical illness agreed in the contract after the waiting period of the child, the remaining insurance premiums during the waiver insurance period can be exempted to ensure the realization of love for the child.

Ping An Wisdom Star Education Fund Insurance Plan consists of Ping An Wisdom Star Whole Life Insurance (Universal), Ping An Wisdom Star Advance Payment Critical Illness Insurance, Ping An Supplementary Worry-Free Accidental Injury Medical Insurance (a) or (b), Ping An Supplementary Worry-Free Waiver Critical Illness Insurance (b, 2014), and Ping An Supplementary Worry-Free Waiver Critical Illness Insurance (C).

Program Features Educational Reserve Flexible Collection.

Multiple benefits The sum insured can be adjusted.

Premium waiver for hassle-free payment.

Example of insurance Mr. Wang, administrative manager of an enterprise (Class I occupation), 30 years old, happy to have a precious son (no social security). Hoping to prepare an education fund for Guoguo in advance and deal with his future life risks, so that the child can grow up carefree and enjoy a better future, he carefully selected and purchased the Ping An Wisdom Star Education Fund Insurance Plan for Guoguo.

He chose to pay for 15 years, with an annual premium of 7,000 yuan, and the insurance details are as follows:

Ping An Wisdom Star Whole Life Insurance (Universal) The basic sum insured is 100,000 yuan, which is adjusted to 10,000 yuan from the age of 60.

Ping An Additional Wisdom Star pays critical illness insurance in advance, with a basic sum insured of 80,000 yuan, which will be adjusted to 10,000 yuan from the age of 60.

Ping An Supplementary Accident Medical Insurance(a) has a basic sum insured of RMB20,000 and is continuously renewed until the age of 65.

Summary. Hello, Ping An's Wisdom Star Insurance is a universal whole life insurance that provides a unique insurance liability: the death of the insured, the basic insured amount is paid.

Hello, Ping An's Wisdom Star Insurance is a universal whole life insurance that provides a unique insurance liability: the death of the insured, the basic insured amount is paid.

At the same time, this universal insurance insurance, during the payment period, the annual premium will be deducted from the cost of the life insurance amount, and the initial fee, and the rest will be compounded and increased by yourself in the universal account. After the payment period, the annual cost of protection is deducted directly from the universal account.

It can also be combined with critical illness, insurance and accident insurance. Similarly, the cost of coverage will be deducted every year.

The universal account is compounded with interest, and the policyholder can withdraw the funds in the universal account at any time. However, there is a risk that the cost of protection will be deducted from the universal account every year. If the funds in the universal account are not enough to cover the cost of protection for the current year, then the insurance contract will be terminated directly.

Summary. Hello dear dear, I am happy to answer for you, Ping An Wisdom Star Universal Insurance is an insurance product with the following characteristics: high flexibility:

You can freely choose the insurance period, insurance amount and payment method according to your personal needs and financial situation. Higher return on investment: Compared with traditional insurance products, a portion of the insurance cost of Wisdom Star Universal Insurance will be used for investment, so that a higher return on investment can be obtained.

Higher risk: The return on investment of Wisdom Star Universal Insurance is not fixed, but changes according to market conditions, so the investment risk is high, and you need to choose the investment according to your own risk tolerance. Higher premiums:

Compared with traditional insurance products, the premium of Wisdom Star Universal Insurance is higher, and you need to choose according to your own economic strength. Limited coverage: The coverage of Wisdom Star Universal Insurance is mainly for risks such as accidental injury, illness and death, and other risks may require the purchase of additional insurance products.

What's wrong. Hello dear dear, I am happy to answer for you, Ping An Wisdom Star Universal Insurance is an insurance product with the following characteristics: high flexibility:

You can freely choose the insurance period, insurance amount and payment method according to your personal needs and financial situation. Higher return on investment: Compared with traditional insurance products, a portion of the insurance cost of Wisdom Star Universal Insurance will be used for investment, so that a higher return on investment can be obtained.

Higher risk: The return on investment of Wisdom Star Universal Insurance is not fixed, but changes according to market conditions, so the risk of investing in chaos is high, and you need to choose the investment according to your own state risk tolerance ability. Higher premiums:

Compared with traditional insurance products, the premium of Wisdom Star Universal Insurance is higher, and you need to choose according to your own economic strength. Limited coverage: The coverage of Wisdom Star Universal Insurance is mainly for risks such as accidental injury, illness and death, and other risks may require the purchase of additional insurance products.

Xueba talks about insurance, focusing on insurance evaluation! When buying insurance for your child, you must shop around, and you must check out this new comparison table:"Comparison Table of 136 Popular Children's Critical Illness Insurance in China".

Wisdom Star is a universal insurance for children from Ping An Life.

First of all, let's talk about what is universal insurance. It is a kind of financial management + protection insurance, and the main insurance is generally financial management.

**It is generally said that the protection of this type of product is super comprehensive, which can not only provide support such as education funds, wedding funds, pensions, etc., but also provide universal insurance for critical illness, death, accidents and other protections. It should be noted that universal insurance is not as versatile as you think, and you will know how deep the water is by looking at the wisdom star that has been picked up deeply:"How Ping An [Wisdom Star] Deducts Your Money Step by Step".

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

First of all, let's take a look at the content of Wisdom Star Financial Management.

It accrues interest on the money that the customer deposits each year into the policy account. In this way, the customer can earn a part of the money every year, which is still possible.

However, fees are deducted every time you deposit. The first five years are %, respectively, and from the 6th year, 5% is deducted each year.

At the same time, its guaranteed interest is not high.

Let's talk about his guarantees.

The basic benefit of the death benefit is $100,000 plus the policy account value, as for the policy account value, it depends on your insurance contract. The most important critical illness benefit for health protection is only 80,000 yuan of the sum insured, and the sum insured of critical illness insurance and the sum insured of death are still used together, that is to say, once the critical illness insurance benefit is paid, there is only 20,000 yuan of the basic sum insured of the main insurance.

In general, I don't particularly recommend that you buy Wisdom Star insurance, which is not cost-effective. If you mainly want to buy insurance for your children, it is recommended to buy all these health insurances such as critical illness insurance and medical insurance before buying financial insurance. I have specially compiled some children's critical illness insurance products that are worth buying, you can take a look at what you need:

"Top 10 Value Children's Critical Illness Insurance in 2020".

What's right for you is good. It's the best to wear it just like buying clothes. You say, don't you?

I don't really like Wisdom Star. Aside from the double waiver, it's not much fun. If you look at the income, it is still the century Tianjiao.

The best thing about Ping An Wisdom Star Insurance is that it protects the child and the policyholder at the same time.