Is it reliable for Kangjun Life Jin Sheng Jin Shi to increase life span? Is it cheap?

Recently, many friends have come to learn about whole life insurance's increment-Kangjun Life's golden stone. It is said that this increased investment in whole life insurance will soon be able to return to its capital, and it will be able to return to its capital in two years. Is it really that bad?

Senior sister will come and give you a system test right away! Friends who find it interesting continue to watch ~

Before we begin, let's take a look at the following to consolidate our original knowledge: "Who is the sacred whole life insurance? Is it worth starting with? 》

1. What are the advantages and disadvantages of Kang Jun's jinsheng Jinshi?

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

Senior sister won't talk nonsense with you, just tell you the important part!

& gt& gt advantage:

1, flexible payment period and low threshold for initial investment.

The payment period of Jinsheng Jinshi provides us with two choices, namely wholesale payment and annual payment.

In this case, the insured can flexibly decide which payment period to choose according to his actual situation.

If you don't know what payment period is best for you? This article can give you the answer: "How to choose the payment period without losing money? 》

Moreover, the minimum annual investment is 1000 yuan, and the threshold for initial investment is very low.

For young people who have just entered the society, including those with insufficient economic budget, they can also join Jinsheng Jinsheng. If the liquidity increases in the later period, they can increase the insured amount by changing their rights, which is very good!

2. The compensation coefficient is set reasonably.

The compensation ratio for the death of Jinsheng Jinshi whole life insurance is 18-6 1 year 160%, 6 1 year 120%.

Is this establishment reasonable?

Senior, give you a simple and unreasonable example: 18-40 160%, 4 1-6 1 40%, 6 1 65438+20.

4 1-60 years old is often the stage with the heaviest family economic responsibility. If the proportion of compensation is reduced, it means that the intensity of protection has become lower. In the end, the compensation paid by everyone is not enough to protect the family.

If you encounter a similar situation in the proportion of compensation in whole life insurance, you'd better pay more attention at ordinary times.

By simple comparison, I have to admit that Jinsheng Jinshi has done better than many people in this respect, and 18-6 1 year is the highest in the proportion of compensation, which should be highly praised!

& gt& gt Disadvantages:

1, lack of total disability protection

At present, many whole life insurance additions include death/total disability protection, and even better, aviation accident death protection is added.

However, this product of Jinsheng Jinshi, even the most basic protection content is missing, full disability protection!

If the insured has insured the products of Jinsheng Jinshi, and the subsequent bad luck leads to total disability, it is impossible to receive compensation as long as it does not meet the compensation standard for death.

I have to say that the scope of protection is too narrow, which is really bad.

2. The growth coefficient of insurance coverage is low.

The increase of insurance coverage in whole life insurance is compounded by the growth factor every year, and the increased insurance coverage shows a coefficient of 3.5%.

Moreover, at present, in the market, many incremental life insurances are 3.8% incremental factors.

The higher the increasing coefficient, the richer the future income.

In contrast, jinsheng Jinshi is not generous enough: "can jinsheng Jinshi return to his original position?" I am stupid to calculate the income. "

Second, what is the lifetime income of Kang Jun Jinsheng Jinshi?

Before calculating the income, let's briefly understand the "cash value of the policy".

The cash value of the policy can also be understood as the amount we get when we surrender, and the increased income of whole life insurance is related to the cash value of the policy.

Later, Senior Sister will give you a detailed analysis of the income of Jinsheng Jinshi:

The 30-year-old Lao Wang took a fancy to whole life insurance, which was added by Jinshi, and took out insurance. He has to pay a total of 654.38+10,000 yuan a year, so he will be guaranteed for life after paying for five years.

Looking at the picture, you can see that Lao Wang paid a premium of 500,000 in five years. When Lao Wang was 36 years old, the cash value of the policy could reach 536,000 yuan. At present, the cash value of the policy exceeds the premium paid.

Compared with other incremental whole life insurance whose cost recovery speed is 5 or 6 years, the incremental whole life insurance cost recovery speed of Jinsheng Jinshi is faster.

At the age of 60, the cash value of his policy has risen to 1, 2 1.8 million. If you choose to surrender your insurance, this fund can be used for the follow-up pension life, even if you want to use this fund to travel and play, it is completely ok!

If you choose not to surrender, the cash value of the policy will continue to increase until Lao Wang is 70 years old and finally reaches 1, 7 1.3 million yuan. This income is really good, and the value can be 3.4 times.

If Lao Wang chooses to increase the insurance coverage and does not surrender, Lao Wang will die at the age of 80, and at this time, Lao Wang's family will receive a death pension of 2.399 million.

According to the information in the picture, after the age of 60, whole life insurance's internal rate of return (IRR) fluctuated around 3.3%, and his performance was ok.

Third, the summary of the senior sister

Generally speaking, the payment period of whole life insurance Zhongjinsheng is relatively good, and the insurance threshold will not be high; However, the coverage is still not extensive, and the increasing coefficient of insurance coverage is somewhat slow.

However, overall, it is still a good income and looks relatively stable. Whether to insure or not is a matter of opinion.

There is a saying that what suits you is the best! There are really countless unexpired whole life insurance premiums in the market, so it's really not too late to know more about others before making an insurance decision.

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.

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