Following the removal of some high-quality and good products from the shelves on February 29, what else is worth buying for the increased life currently on sale? Today, let's take a look at the performance of this product, whether it is worth starting, and hope to give some advice and help to friends who are waiting and waiting to start increasing their longevity!
1. China Post Yuexiang heirloom insurance rules
2. Cash value performance
3. What are the product features?
4. Introduction of China Post Life Insurance
First, China Post Yuexiang heirloom insurance rules.
Issue age: 30 days - 70 years old.
Occupations: Categories 1-6.
Payment period: single payment, 3 5 10 15 20 years.
Minimum premium: 10,000 yuan for single payment, 5,000 yuan for regular payment.
Policy Loan Rate: 568%
Addition or Reduction: Addition and reduction are not supported, and the cumulative amount of policy reduction shall not exceed 20% of the basic sum assured every year after the policy has been in effect for 5 years
Waiver for policyholders: If the policyholder dies due to an accident before the age of 65, the subsequent premium will be waived and the contract will continue to be valid.
Not supported: universal account, second policyholder, generation-skipping insurance, special relationship insurance.
There are 7 exemptions from liability:
2. The cash value performance of China Post Yuexiang Heirloom.
Let's take a 30-year-old woman as an example:
made a single payment of 1 million respectively; 330,000 3 years; 200,000 5 years; and a cash value table of 100,000 for 10 years.
As can be seen from the table:
1. Cashback speed.
The cashback speed of single payment is the fastest, and it is cashed back in the 5th year.
3-year delivery and 5-year delivery are also the 5th year cashback.
The 10-year delivery is the 10th year of cash-back.
2. The growth rate of cash value in the middle and late stages.
As can be seen from the table above, the shorter the payment time, the faster the growth rate of cash value when the total premium is the same.
Lump sum "3 years", 5 years, 10 years.
3. Death of the total disability of the gold.
This part is also quite interesting, if the total premium is the same, the shorter the payment time, the higher the sum insured of the total disability benefit.
In general, if you have enough spare money and want to maximize the cash value, short-term trading is a good choice. Of course, if you are stressed, the staging is also good, at least get on the bus.
Click to add my wx for detailed communication, thank you! Third, what are the product features?
Highlight 1: China Post Yuexiang heirloom, the insurance rules of this product are relatively relaxed, the maximum age of 70 years can be invested, the payment period is more flexible, and the maximum support is 20 years of payment. The minimum investment threshold is also relatively low, and you can invest with a futures of 5,000.
Highlight 2: The policyholder's accident exemption liability is attached, which is relatively rare in increased life products and is more humane.
Disadvantages:
Heirloom Rewards does not have a universal account attached and cannot add a second policyholder. This is something to be aware of before you apply for insurance.
Fourth, China Post Life Insurance.
Let's introduce China Post Life Insurance.
China Post Life Insurance is a life insurance company controlled by China Post, headquartered in Beijing, with a registered capital of 2866.3 billion yuan. It was officially opened on September 9, 2009. China Post Life Insurance Co., Ltd. fully relies on the postal network and resources, takes "serving the grassroots, serving the three rural areas" as its own responsibility, adheres to the principle of specialization and characteristics, takes microinsurance as the entry point, and focuses on promoting the balanced development of the urban and rural insurance industry, and strives to build a new and efficient commercial insurance company with a modern system, popular services, standardized management, and satisfactory supervision and reassuring people.
Summary: China Post Yuexiang Heirloom Increasing Longevity, as a product promoted by the old life insurance, is very reliable. The cash value of the product is also performing very well in the current market, and the insurance conditions are also very relaxed, and the threshold is low. If you look at a major company brand and focus on high cash value, Joy Heirloom is a good choice.
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