Is Taikang Lefutai Consumer Insurance or Return Insurance?

Taikang Lefutai Insurance Product Plan is a combination of Taikang Lexiang Health (2020) critical illness insurance and Taikang Futai 1 whole life insurance (universal type), covering 65,438+020 serious diseases, 60 minor diseases and 5 specific diseases. The premium can be exempted when the mild illness is diagnosed, and there is also insurance for terminal stage/death/high disability.

Simply put, this is a combination of bundling, including security and financial management. Literally, this insurance product belongs to return insurance.

Only the return here is due to the functional combination of life insurance (universal insurance), which can convert the cash value of the insured amount into an annuity and return it according to the contract.

In addition, health insurance combined life insurance also belongs to consumption type, but because it is lifelong protection, as long as it dies, life insurance will pay the insured amount, which is equivalent to fulfilling the contract and compensating the insurance money when it expires. Can't refund, just for the convenience of understanding, so it is simply divided into two categories, because the consumption type is that money will not be refunded if it is spent without illness, but the money that has been refunded without illness can be taken back or used for other dividends.

Should be to see whether it belongs to the security type or the financial management type, and the security type is pure security. Traditionally, it is a combination of life insurance, critical illness and life insurance, while the emerging online insurance is configured separately, with two options: term and life insurance.

Financial management includes security+financial management, or simple annuity financial management.

This additional type is a very good choice for those who don't know how to manage money, have no investment ability and want to support the elderly in the future.

However, the wool is on the sheep, and the early premium is not cheap. You can choose this insurance if you have the ability.

However, we must ensure that the coverage is comprehensive and sufficient. Otherwise, if the insurance coverage is only 654.38+ 10,000, insurance will be meaningless to you. If you accidentally get a serious illness, 654.38+ 10,000 yuan is not enough, let alone the convalescent expenses after treatment.

I couldn't go to work at that time, and the burden at home was unsupported. I have to rely on my parents at home. After forming a family, the other half should bear the support of parents, and the children's education and their own treatment expenses will make the whole family return to poverty due to illness.

It is suggested that consumers' lifelong products should be given priority, and they should not be combined and configured separately. After these guarantees are sufficient, there is still spare money, and then consider annuity financial insurance.

Remember that the main purpose of insurance is protection, not financial management.

Here is a simple example. The general combination of serious illness and property insurance, the insured amount is 65438+ 10,000, and the premium is several thousand a year, about 4000 to 5000, depending on the age.

Separate allocation of critical illness insurance+life insurance, 300,000 insurance coverage, about 2,000 periodic critical illness, term life insurance 1, that is to say, 300,000 critical illness+300,000 life insurance coverage, a * * * 600,000, and the cost is about 3,000. (For example, the product cost varies from person to person. )

The amount of insurance here is also very high, and the protection is also complete. The only difference is that there is no financial insurance.

On the basis of the same premium, give priority to the most comprehensive protection.

If the same coverage is 6,543,800+million, the cost of consumer insurance is less than 300,000.

The products of different insurance companies are different, and the premium will be different because of the age, coverage and payment period.

Configuration guarantee means that when considering the budget, we should plan our own needs and insurance coverage according to the debt situation of family members, and then choose the insurance products that can be purchased.

When allocating insurance, we should not only consider security, but also consider financial management, so we should ignore the premium budget.