Whether you are in the bank, the postal service, or the circle of friends and relatives, as long as you see the claim to be able to compound interest for life30% or 3A 5% savings product, that is, a whole life insurance with an increased amount. Because only it can put 3 for life0%/3.5% is written into the contract and is valid for a lifetime. However, although this product has a stable income and lifetime appreciation, it is not easy to buy indiscriminately, and you must choose the right product!And this lifetime whole life insurance is very good.
*From the official website of Huize Insurance.
1. Low insurance threshold.
The insurance conditions of Zhongyi whole life insurance are relaxed, and you can apply for insurance from 7 days old to 70 years old, with a minimum of 10,000 yuan, and ordinary families can also invest in it.
2. The payment period is flexible.
One-time payment is 3 5 10 15 20 years, a total of 5 forms of payment, the payment cycle can be annual or monthly, to meet the different needs of people of different ages.
*From the official website of Huize Insurance.
3. High sum insured.
There are two parts to the sum assured for a lifetime:
Sum Insured per Policy Year = Sum Insured in the Previous Policy Year (1+3.)5%）；
Accumulated dividend sum insured.
The time for this product to be reported to the regulator is relatively early, or press 35% compound interest increase. In addition to the certainty, there is also an annual dividend, which is in the form of dividends of the sum insured, and the annual bonus sum insured is accumulated to the annual sum assured and increases in value again.
*From the official website of Huize Insurance.
4. Generation-skipping insurance + second policyholder.
This whole life insurance policy supports intergenerational insurance and secondary policyholders, i.e. grandparents can apply for their grandchildren, and the policy can be passed on to the third generation. It is also convenient to do the asset isolation of family enterprises and marriage isolation.
The official website of Zhongyi Life reflects the dividend fulfillment ratio of the company's dividend insurance in 2022, and the lowest is 100% (the regulatory requirement is not less than 70%).
*From the official website of Huize Insurance.
Zhongyi Whole Life Insurance is a kind of life insurance that has both fixed income and irregular dividend benefits, which can truly be attacked, retreated and defended. After the adjustment of the industry, the fixed income part of the increase in the whole life of each company has been rolled up to the point that it can no longer be rolled, and the long-term income is raised in the form of superimposed dividends.