With the continuous improvement of people's insurance awareness, more and more people have begun to pay attention to how to provide more comprehensive protection for themselves and their families. As a long-term protection plan, whole life insurance has attracted more and more attention. As a participating whole life insurance, Ping An Yuxiang Jinyue Whole Life Insurance has become a popular product in the market with its unique advantages and characteristics. So, is it recommended to buy Ping An Yuxiang Jinyue Whole Life Insurance?This article will explain it in detail for you.
1. Coverage age is extensive.
Ping An Royal Jinyue Whole Life Insurance has a wide range of coverage ages, from 28 days old to 75 years old. This means that whether it is a newborn baby or an elderly person, you can find a protection plan that suits you. This is especially important for older people, who tend to be more susceptible to insurance company restrictions.
2. The effective sum insured increases.
Ping An Royal Jinyue Whole Life Insurance is an incremental whole life insurance with an effective sum assured increasing at a compound interest rate of 3% per annum. This means that over time, the sum insured will continue to increase, providing more and more adequate protection for the insured. This is a big attraction for those who want a high level of protection in their later years.
3. Abundant policy rights.
Ping An Royal Jinyue Whole Life Insurance has a wide range of policy benefits, including automatic advances, policy loans, reduced payment and so on. These benefits can not only help the insured alleviate financial pressure in the event of an emergency, but also flexibly adjust the coverage of the policy according to their own needs.
Fourth, the dividend income is considerable.
As a participating whole life insurance, the dividend income of Ping An Yuxiang Jinyue Whole Life Insurance is also very considerable. The insured can receive annual dividends and special dividends, which will further increase the value and protection of the policy.
To sum up, Ping An Royal Jinyue Whole Life Insurance has become a highly recommended insurance product due to its advantages such as wide underwriting age, increasing effective sum insured, abundant policy rights and considerable dividend income. However, buying insurance is an important decision that needs to be made based on your own circumstances and needs. If you have any questions or concerns about Ping An Royal Golden Life Insurance or other insurance products, it is recommended to consult a professional insurance advisor or broker for more detailed advice and solutions.