Whole life insurance 202 1 What pitfalls should we pay attention to?

Ruixiang Fu Ying whole life insurance 202 1 can be said to be very popular on the Internet, and it is said that it is very cost-effective.

Many friends are asking, is the price/performance ratio of Ruixiang Fu Ying whole life insurance 202 1 really that high? Is it really worth buying?

The following sister will give you an in-depth evaluation! This article can help you get familiar with whole life insurance's increase in advance. Friends who don't know, come and have a look.

"Who can manage money in whole life insurance, and who can preserve capital and increase value?" ? Is it worth starting with? 》

1. Analysis of the guarantee responsibility of Ruixiang Fu Ying whole life insurance 202 1!

As usual, Senior Sister first presents the essence of whole life insurance 202 1 for everyone:

Senior directly tell you straight to the point, and then announced the evaluation conclusion for you:

1, flexible payment period

Ruixiang Fu Ying whole life insurance 202 1 has 3/5/ 10/ 15/20 years to choose from, and the choice is flexible.

Of course, if friends with abundant funds can choose one-time sex-pay!

It should be understood that the premium growth in whole life insurance is generally very expensive, and the longer the payment time, the less the burden on the insured!

Therefore, Ruixiang Fu Ying whole life insurance 202 1 is very good for small partners with little funds.

2. Analysis on the setting of death ratio

The death or total disability payment ratio of Ruixiang Fu Ying whole life insurance 202 1 is as follows:

0- 17 years old, and the payment ratio is100%;

18-40 years old, and the contribution ratio is160%;

4 1-60 years old, and the contribution ratio is140%;

6 1 over one year old, and the payment ratio is 120%.

According to the data given above, many people get married around the age of 30. Suppose they have children at the age of 32, and their parents are 48 when they are 18 years old.

Therefore, at the age of 4 1 to 60, parents are likely to be the breadwinners of the family. Unfortunately, if they die during this period, the compensation ratio is only 140%, which is 20% lower than 18-40 years old.

It can be seen that Ruixiang Fu Ying whole life insurance 202 1 has an average compensation coefficient for death!

The basic insurance will increase by 3.8% every year.

Compared with other life insurance products, the biggest highlight of Ruixiang Fu Ying whole life insurance 202 1 is that its basic insurance amount increases by 3.8% every year, and this life insurance has a lifetime guarantee.

So, live as long as you live!

The longer the time, the more insurance coverage, and with the passage of time, the cash value and death insurance will also increase.

Ruixiang Fu Ying whole life insurance 202 1 Detailed explanation finished!

2. Is Ruixiang Fu Ying whole life insurance 202 1 profitable?

Regarding the income calculation of Ruixiang Fu Ying whole life insurance 202 1, it is assumed that Mr. Liu, who is 60 years old, spends 10000 yuan every year, and the basic insurance amount is 67935 yuan. The income calculation table is as follows:

According to the income calculation data of Ruixiang Fu Ying whole life insurance 202 1, when the policy is in the first 10 year, the cash value will increase to 1 17235 yuan, which exceeds all the premiums paid by Mr. Liu in this 10 year.

To put it simply, in the 10 policy year, Mr. Liu Can began to repay his capital.

Of course, if Mr. Liu is in a hurry to use the money, he just has to wait until he earns his capital back before surrendering it. He won't lose money!

Due to the time problem, if a small partner wants to know more about the income information of Ruixiang Fu Ying whole life insurance 202 1, please poke the following link:

Want to buy ruitai Life Insurance, Ruixiang Fu Ying and whole life insurance 202 1? Pay attention to these details first! 》

Based on the above factors, Ruixiang Fu Ying whole life insurance 202 1 is worth insuring because of its comprehensive guarantee responsibility, good income and quick return.

If you plan to manage wealth steadily and increase value, and have liquidity needs in the future, such as paying inheritance tax, or want to pass on assets to future generations in a very safe way, you can also consider Ruixiang Fu Ying whole life insurance 202 1.

However, senior sister should remind everyone of this: protect first and then manage money.

To this end, we have compiled the life insurance configuration scheme for everyone, and friends can collect it:

How to buy insurance at different ages? Everyone should have his own plan.

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!