Harmonious Life Universal Insurance, PICC Life Insurance, Harmonious Life Whole Life Insurance, Univ

Universal insurance payment is lifelong, the deduction is also lifelong, and the annual deduction amount is with age**, which increases rapidly! The main insurance will only receive the benefit in death! Insurance is for people who are in good health, and you can't buy it after an illness!

At the same time, universal insurance has a guaranteed interest rate, Ping An has a guaranteed interest rate, and other insurance companies are!

Buying Magnum must be noted:

1. Not suitable for people around 50 years old or above.

2. Based on the contract, the guaranteed interest rate shall not be lower than the bank interest rate.

3. The company has long-term stable income, and the investment income is not high or low.

4. The annual premium should be in line with one's financial ability and controlled at 10-15% of the annual income 5. The controllability of universal insurance is extremely poor and the cost is extremely high, so it is recommended that the payment age is more than 10 years.

6. The best buyers are mainly those with generous financial ability, the younger, and those with conservative needs, commonly known as "rich people"!

It's not good to return now, if you pay 6,000, you should only be able to get back more than 2,000, buy this, it will be good for you in the future, and when you are forty or fifty years old, you should have two or three hundred thousand.

Surrender the policy! Just buy a lesson, next time you must consult and buy it, and relatives are the same.

Hey, if the name is right, it's PICC Life Insurance, you see what the actual settlement interest rate is, if you don't lack money, continue to pay it, see if there is a critical illness?

Critical illness is unpredictable, in June, we paid a 26-year-old 250,000 critical illness after the sale, and it was fine before the insurance, and it was found out to be pancreatic cancer within a few months.

PICC Life Harmony Life Whole Life Insurance Universal Hello, dear, <>

1. How about Harmony Life Whole Life Insurance? Harmony Life Whole Life Insurance is underwritten by PICC Life Insurance, its full name: Harmony Life Whole Life Insurance (Section A) (Universal Type), 28 days - 60 years old people can be insured this product, the payment is also very free, the term of protection is lifelong, the amount of insurance can be freely chosen, the flexibility is very strong, at the same time it has strong liquidity, the income is also very considerable, and it can also be attached to the payment of critical illness insurance in advance, the responsibility of protection is mainly death Total disability, the greater between the basic insurance amount and the value of the personal account, daily interest rate, Billed monthly, the minimum APR for rolling growth is.

2. What is universal insurance? Universal insurance is a life insurance product with multiple protections, like traditional life insurance, universal insurance is also to provide life protection for the insured, but in addition, customers can also participate in the investment activities established by the insurance company, and the value of the policy is related to the performance of the investment account funds. However, when choosing universal insurance, it is still recommended to focus on protection, the longer the account balance, the more the account balance, but it needs to be reminded that insurance does not help us make a lot of money, insurance mainly helps us use a little money to solve the expenses caused by possible diseases and accidents.

3. What do I need to pay attention to when buying insurance? 1. Confirm your basic personal information: When applying for insurance, you must first check your basic information, such as:

Name, ID number, bank card number, mobile phone number, policy beneficiary, etc., if there is a misunderstanding of this information, it will have a greater impact on the subsequent claim. 2. Read the terms of the insurance policy clearly: the terms of the policy must be read carefully, which is related to what kind of protection you have received, under which circumstances you cannot get a claim, what is the process of claims, and you must read these terms carefully when buying insurance products.

3. Health notification: No matter how much or less the health notification requirements of the product must be read and truthfully informed, general life insurance and establishment insurance are required to be informed of health, which is a way for insurance companies to control risks, as the policyholder must be truthfully informed, in order to avoid disputes with insurance companies after the accident. 4. Daily payment:

The payment method and date can be said to be very basic, so be sure to know it yourself. Hope it helps!

Generally speaking, universal insurance is not principal-protected.

Presumably, everyone is still a little unfamiliar with universal insurance, universal insurance is not literal. To put it simply, universal insurance is an insurance product that includes protection functions and includes investment account information. When a consumer buys a universal insurance product and pays the premium, the insurance company will deduct the initial fee first, and the remaining money will go into the universal account.

Many people will regard universal insurance as insurance that can manage their finances, but can universal insurance really play a good role in financial management? In the following article, you can take a look: How much money can you make by buying universal insurance?

Don't be sold, it's a happy ......

Among the five major shareholders of Harmony Health Insurance Company are local state-owned assets and top 100 private enterprises, so its background strength is very strong. However, buying insurance is not only based on the reputation of the insurance company, but also needs to look at its insurance products, which may be good or bad, which is very normal. So, if you want to know how Harmony Health Insurance is, you can take a look at the following article:

Is Harmony Health Insurance reliable? Is the product good?

Having said all this, everyone also understands that universal insurance is not a panacea, if you really want to manage your finances, you can focus on increasing the amount of whole life insurance. Just listening to the name, most people will think that it is similar to fixed whole life insurance, but compared with fixed whole life insurance, increased whole life insurance has the characteristics of fast return on investment, flexible access to funds, etc., and its sum assured will continue to grow at a fixed interest rate. So, if you want to know what other high-yield incremental whole life insurance is available, you might as well take a look at the following article:

Freshly baked! Don't miss out on the top 5 high-yield incremental whole life insurance!

There are currently more than 100 life insurance companies in China, and the number of reputations is growing. Regardless of the strength and influence of insurance companies, the Insurance Law stipulates that insurance companies can only merge and cannot go bankrupt. This means that if the customer buys insurance with his money, the principal is safe, and the insurance company will fulfill its obligations in accordance with the contract.

There are types of insurance that pay equal attention to financial protection, and there are also simple consumer-based insurance. Whether the principal can be returned depends on the specific terms of the insurance contract.

Generally speaking, universal insurance is not principal protected in the short term, and long-term investment is required to have better returns. Let's take a look at the specific introduction of universal insurance:

Universal insurance is a kind of insurance that integrates investment income, death protection, and critical illness protection, and multiple protections under one policy. There are two benefits of buying universal insurance, that is, it is not only guaranteed, but also financial management, so this kind of product attracts many people. In fact, it is not, universal insurance seems to be comprehensive, and there are often such problems:

For example, the premium that needs to be paid is very expensive, but the cost performance is not high, and sometimes some products purchased separately will be much cheaper than the products in universal insurance; In addition, there is also a protection problem, the protection seems to be complete, but the amount of protection that can be obtained is not high enough, it makes sense to buy insurance with a high insurance amount, and it is useless to have a low insurance amount; And that's just a part of it, and there are details to keep an eye on.

This problem can be considered as follows: in the first year, the customer pays 6,000 yuan, deducting 50% of the initial cost, the basic insurance amount in the first year can be set to 120,000, and the customer requires an additional insurance of 1 million in the second year, at this time, the increased insurance amount is 880,000, and the policy value of 6,000 yuan paid by the customer is definitely not enough to pay the cost of protection. The deduction for the initial fee of the increase is 50,000 in the first year, not 25% in the second year. Follow-up: Your answer is very novel!

I'm interested! I think so too! It's just that I still don't understand why 50% should be deducted according to the deduction standard for the first year when the basic premium for the second year is raised to 50,000 yuan

Instead of deducting 25% in the second yearI discussed this with a business manager who had been in the insurance industry for 8 years, and his answer was this: 6000 50%!

I asked him why, and he said he consulted the service**! But I always think that this is not right, the reason is: Now the sum insured is re-identified and adjusted to 1 million, then according to the general provisions of the contract, the basic premium is 50,000 yuan, and the calculation standard should be calculated at 50,000 yuan, but what is the deduction standard at this time, whether it is calculated according to 50% in the first year, or 25% in the second year, I can't find a basis!

I just think that the 50% deduction for the first year is right, and the reason is simple: it is the same as any other type of insurance, that is, the "divisor" is the insurance premium paid! The more you insure, the more you pay, this is common sense!

Imagine, the customer has applied to adjust the insurance amount to 1 million, but the initial cost is only 3,000 yuan, which is simply great! It's so cheap! Insurance company: Would you like to?!

If you have Ping An's universal insurance clause on hand, you can find the relevant information. Because the part added by the customer when making an increase in the payment is equivalent to the first installment of business for the insurance company and the salesman, it will be deducted according to 50% of the first year when deducting, but if the customer does not make an increase in the payment and only comes to do additional premium business, then it will be deducted according to 3-5%, of course, the sum insured will not be adjusted to 1 million, and the maximum is 120,000 Additional 50,000 = 170,000. This is beneficial to customers, but some customers in order to do high value, they will not consider the later income, the insurance company is to seize the business opportunity, you need high protection, I need high costs, each takes what he needs, each has a gain, what do you say?