What is Term Life Insurance?As the name suggests, term life insurance is a kind of protection that we as the insured have this life insurance, and if we unfortunately die or become totally disabled in an accident within the time specified in the contract, the insurance company will pay a sum of money to the beneficiary.
Term life insurance is suitable for insuring the breadwinner of the family. Recently, Huagui Life Insurance has recently upgraded and launched Huagui Damai's flagship A term life insurance, which is said to be very cost-effective. So, is Damai flagship A term life insurance good?What are the guarantees?Don't worry, let's take a look!
OneWhat are the contents of Damai Ultimate Edition A Term Life Insurance?
If you want to know how about Damai Ultimate A Term Life Insurance, you must look at its protection responsibilities, let's first take a look at the product form of Huagui Damai Ultimate A Term Life Insurance:
Underlying Liability. 1. Death or total disability insurance benefit: the maximum sum insured is 4 million.
During the insurance period, if the insured person unfortunately dies or becomes totally disabled (or dies or becomes totally disabled due to illness after the 90-day waiting period), the insurance company will pay the insurance benefit according to the agreed insurance amount.
Optional Liability. 1. Aviation Accident Death Total Disability Insurance: The maximum insurance amount is 16 million
If the insured suffers an accidental injury while taking a civil airline as a passenger, and dies or becomes totally disabled due to the accidental injury within 180 days (inclusive) from the date of the accident, the insurance company will pay the aviation accident insurance benefit, which can be combined with the death or total disability insurance benefit of the basic liability.
2. Total disability insurance benefit for accidental death in water and land public transportation: up to 7 million
If the insured suffers an accidental injury while riding a land and water public transportation vehicle as a passenger, and dies or becomes totally disabled as a result of the accidental injury within 180 days (inclusive) from the date of the accidental injury, the insurance company will pay compensation according to the insured amount of the accident on land and water public transportation, which can be combined with the death or total disability insurance benefit of the basic liability.
3. Additional maltose disability insurance: up to 50,000 yuan
If the insured is diagnosed with the disability defined in the contract for the first time after the accidental injury or waiting period (excluding) and is recognized by the insurance company to reach the disability status defined in the contract, the insurance company shall pay the disability insurance benefit in accordance with the contract.
Contains:1Functional impairment and disability care fund;2.Accidental Disability Care Payment;3.Functional Impairment Disability Benefit;4.Accidental Disability Insurance;5.Additional benefits are paid for specific fracture disability.
IIIs Damai flagship version A term life insurance good?
In my opinion, Damai Ultimate A Term Life Insurance is a very good term life insurance because it has many advantages:
1. The insurance threshold is low, 1 6 types of occupations can be insured, and there are only 3 health notices and exemption clauses.
2. Optional additional high-value traffic accident insurance, water, land and air insurance.
3. Disability income insurance can be attached to fully resist financial risks: the maximum amount of insurance is 23 times the basic sum assured, covering 7 categories of bodily impairment and 63 accidental disablements caused by illness and accident.
4. High flexibility in insurance, up to 70 years old.
Write at the end
In general, Damai flagship A term life insurance is a very good term life insurance, it has a loose insurance threshold, high-risk occupations, sick people can be insured, the amount of insurance is sufficient, comprehensive protection, and can also be attached to disability insurance, friends in need should not miss it!