How about whole life insurance? Is it necessary to buy it?

I don't want to buy whole life insurance, because I don't know how to choose products. Then Xue Xuechang will take the popular product of Haibao Life Insurance as an example to teach you how to quickly choose high-quality life insurance products!

As we all know, there is no harm without comparison. Before the analysis, let's take a look at the comparison between Romain life insurance and domestic popular life insurance, and get familiar with what level it is in the market.

Comparison table of total life insurance and domestic universal life insurance.

1. Does whole life insurance guarantee the full appreciation of Haibaole?

As before, let's take a look at the product protection map first:

As can be seen from the picture, the coverage of Haibaole is particularly rich. On the one hand, it includes death/disability protection, and other rights and interests: policy loans and relief. In addition, this product has many advantages, and now senior sister begins to tell you well.

1, and the increasing proportion of insurance coverage is high.

The biggest highlight of whole life insurance's increment is actually its incremental insurance coverage. Whole life insurance's insurance coverage will increase to a certain extent. Therefore, under certain other conditions, the higher the increasing coefficient of the policy, the better the protection the insured can get!

Joy Man whole life insurance has always been excellent in this respect, and the proportion of insurance coverage is getting higher and higher, reaching 3.8%, which is very satisfactory! You know, at present, most of whole life insurance's growth rate on the market is only 3.50%. In contrast, there is no doubt that Romain whole life insurance is more worthy of our insurance.

2. Provide the function of deduction and settlement.

The so-called deduction claim is actually that the insurance company allows consumers to pay the remaining premium with the cash value of the policy. In this way, although the basic insurance amount of the policy will be reduced accordingly, consumers do not need to pay the future insurance premium, and it is still effective in terms of the protection content.

With this welfare function, consumers don't have to think too much about the problem that they can't afford the follow-up premium. Compared with those insurance products that don't provide deductions and claims, Joy Man whole life insurance can provide more intimate services to consumers.

In fact, there are many advantages of Hai Bao Le Man. Because of the limited space, senior sister won't repeat it. If you want to know more about this product, please click the link below to see for yourself.

Compared with the beautiful life of whole life insurance and Haibao Life Insurance, it is actually better ... "

Second, how much profit can this product bring?

Seeing this, senior sister estimates that you already know that Le Manman has done quite well in protection! But for a highly practical whole life insurance, it is necessary not only to provide high-quality security content, but also to bring considerable benefits to consumers. Sister Xue will look at the benefits of this product with you later.

In order to let friends observe the benefits of Le Man whole life insurance more intuitively, Senior Sister will give you an example. If a 30-year-old male Lao Li chooses this product for insurance, the total payment will be 5 years, and the annual premium will be 6,543,800 yuan. The following figure shows these advantages:

As can be seen from this figure, by the seventh policy year, the cash value is 507,300 yuan, and the premium of 500,000 yuan has been paid off and started to make profits. The payback time is only 7 years, which is more than most similar products. I am very satisfied with this.

If Lao Li wants to withdraw his money when he retires at the age of 60, he can get an extra 6.5438+0.3 million yuan at that time. If you don't count the premium cost of 500 thousand, he can get more than 800 thousand a year with this policy. This profit rate is really excellent! With this money, Lao Li will usher in a happy old age.

If Lao Li wants to leave this money as an inheritance to future generations, then if he dies at the age of 90, the cash value of the policy is about 3,666,500 yuan. This huge legacy can greatly improve the material living standard of Lao Li's descendants and make their family live a happier life.

On the whole, Rommel whole life insurance can not only choose to pay off the reduction, but also bring good benefits to consumers, which is really a rare increase in whole life insurance. You can also use this product as a reference to find a product that suits you.

Senior Sister recommends a list of whole life insurance with high income increase for you. The products in it have high returns, and there is always one for you:

"Just out of the oven! Five High-yield and Profit Increasing whole life insurance, don't miss it! 》

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!